Does Stacc use AI in its credit platform?

Yes. Stacc takes a credit-native AI approach: the credit decision stays deterministic, governed by explicit rules, while AI plugs in everywhere it adds value — conversational applications via voice or chat (Deterministic Agentic Lending), document intelligence with attribution-first tracing (Verifiable Document AI), and automated scenario modelling against the bank's credit rules (Route-to-Yes). Banks can plug any AI model into the decision process through self-serve, no-code interfaces.

What is credit-native AI?

Credit-native AI is Stacc's framing for AI in lending: AI assists credit decisions rather than making them autonomously. Decisions remain explicit and auditable — the bank can show exactly which rules produced any outcome. Credit logic stays independent of specific AI models, so models can be updated without rebuilding the system.

Which financial institutions use Stacc?

Stacc powers 115+ financial institutions across the Nordics and Europe, including DNB, SBAB, Eika Gruppen (50+ Norwegian local banks), Aprila Bank, Bane NOR, Alphabet Denmark, and Autolease. Stacc has 200+ employees (70% software developers), 324 MNOK revenue in 2025 with 9.4% EBITDA margin, 42% revenue CAGR since 2016, and 45% of revenue outside Norway. Gartner Sample Vendor for Credit Decision Engines (2025).

Is Stacc compliant with the EU AI Act?

Yes. Stacc's credit-native AI architecture meets EU AI Act explainability requirements: credit decisions stay deterministic, every AI-assisted step is logged, and credit logic is independent of specific AI models. Stacc is ISO 27001:2022, SOC 2 Type 2, and ISO/IEC 9001:2015 certified, with EU/EEA data storage and built-in compliance for GDPR, DORA, and NIS 2.

Investor Relations

Stacc is a Nordic financial technology company headquartered in Bergen, delivering a composable, cloud-native credit platform for origination, management and back-office operations. Trusted by 115+ financial institutions including Nordic Tier 1 banks.

Stacc helps financial institutions streamline operations, ensure compliance and accelerate digital transformation across mortgage, asset finance, consumer lending, commercial lending, SMB lending, KYC & AML management, deposits, invoice management and financial management.

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Investor Relations

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2016

Founded

42%

Revenue CAGR 2016-2025

324

MNOK Revenues 2025

20.1

BUSD TAM 2025E

Investor highlights

Recurring business model

Multi-year Annual Recurring Revenue (ARR) subscription model for mission-critical and integrated enterprise software
Contracted ARR and mature pipeline growing strongly with clear future visibility
AI-resilient business model and strong renewal rates, underpinning through-cycle predictability

Recurring business model

Multi-year Annual Recurring Revenue (ARR) subscription model for mission-critical and integrated enterprise software
Contracted ARR and mature pipeline growing strongly with clear future visibility
AI-resilient business model and strong renewal rates, underpinning through-cycle predictability

Scalable operations

Revenue growth of +42% per annum over 2016-2025 (23x), of which 53% organically (20% organic CAGR)
Profitable model with 9% EBITDA margin (2025F)
Evolving system integrator partner model contributing to increasing operating leverage
Programmatic M&A with 11 acquisitions successfully added

Scalable operations

Revenue growth of +42% per annum over 2016-2025 (23x), of which 53% organically (20% organic CAGR)
Profitable model with 9% EBITDA margin (2025F)
Evolving system integrator partner model contributing to increasing operating leverage
Programmatic M&A with 11 acquisitions successfully added

World-class platform

70% of Stacc's 200+ employees are software developers - the largest credit automation community in the Nordics
Consistent track-record of transformative customer impact (e.g. 5-10x efficiency) and satisfied customers (30% NPS)
Nearly a decade of focused platform investments, yielding global standing with international publications, system integrators and leading consulting firms

World-class platform

70% of Stacc's 200+ employees are software developers - the largest credit automation community in the Nordics
Consistent track-record of transformative customer impact (e.g. 5-10x efficiency) and satisfied customers (30% NPS)
Nearly a decade of focused platform investments, yielding global standing with international publications, system integrators and leading consulting firms

Proven ability to win in a large TAM

Targeting 20.1 bn USD global TAM (2025E), of which 4.8 bn USD in selected European markets
The established standard for Nordic Tier 1 banks and financial institutions across multiple credit domains
Internationally proven with 45% international revenues, 115+ customers in 5 countries, 5 offices across 3 countries and fast deployment in new markets

Proven ability to win in a large TAM

Targeting 20.1 bn USD global TAM (2025E), of which 4.8 bn USD in selected European markets
The established standard for Nordic Tier 1 banks and financial institutions across multiple credit domains
Internationally proven with 45% international revenues, 115+ customers in 5 countries, 5 offices across 3 countries and fast deployment in new markets

The market thesis

Financial institutions today are caught in a flexibility-scalability trap.

Scalability without flexibility

Standard platforms offer scale and standardisation at cost of slow launches, compliance lags and IT queues.

Flexibility without scalability

Best-of-breed stacks close the flexibility gap but fragment compliance and add operational burden.

The next generation of credit infrastructure delivers both scalability and flexibility

Stacc is the next generation of credit infrastructure that delivers both — composable to fit the institution, scalable to absorb shared innovation, native compliance and proven automation across 115+ institutions.

Investors

We have strong financial and professional backing by Amp Eleven, a Norwegian investment vehicle, and Verdane, the European specialist growth equity investor with 8+ billion EUR in Assets Under Management (AUM). The Founders, Management team and a group of employees also own a significant part of the business.

57.3% is owned by Amp Eleven in partnership with Verdane

42.7% is owned by Founders, Management and others

Why Stacc is the best partner for financial institutions

Cloud-native credit platform

Our modular platform gives financial institutions the flexibility and scale to transform credit and lending.

Powered by API-native modules, including a Gartner® recognised Credit Decision Engine, it is the ultimate platform for banks and financing companies seeking to modernise their institutions and drive unprecedented automation and innovation.

Innovative company

Superior Time-to-Value

Native compliance and security

Why Stacc is the best partner for financial institutions

Cloud-native credit platform

Our modular platform gives financial institutions the flexibility and scale to transform credit and lending.

Innovative company

Superior Time-to-Value

Native compliance and security

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