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.

What is Native Compliance And Security?

At Stacc, compliance and information security are the foundation of everything we do. Backed by SOC 2© and ISO standards, our cloud-native credit platform is built to meet regulatory and legal requirements with scalability, flexibility and confidence.

How does Stacc ensure security and compliance?

Stacc is ISO 27001 and SOC 2 certified with EU/EEA data storage, end-to-end encryption, and comprehensive audit trails. All solutions are designed to meet Nordic regulatory requirements.

Does it integrate with existing banking systems?

Yes, Stacc's API-native architecture provides pre-built integrations for major banking and financial systems, enabling rapid deployment and customisation.

Native compliance & security

The foundation of everything we do

At Stacc, compliance and information security are the foundation of everything we do. The platform is built to meet regulatory and legal requirements natively.

Backed by SOC 2® Type 2 attestation, ISO 27001 and ISO 9001 certifications, an audited Trust Center and coverage for GDPR, NIS 2, DORA, the EU AI Act and the Transparency Act.

Visit Trust Center

Native compliance & security

The foundation of everything we do

At Stacc, compliance and information security are the foundation of everything we do. The platform is built to meet regulatory and legal requirements natively.

Backed by SOC 2® Type 2 attestation, ISO 27001 and ISO 9001 certifications, an audited Trust Center and coverage for GDPR, NIS 2, DORA, the EU AI Act and the Transparency Act.

Visit Trust Center

Native compliance & security

The foundation of everything we do

At Stacc, compliance and information security are the foundation of everything we do. The platform is built to meet regulatory and legal requirements natively.

Backed by SOC 2® Type 2 attestation, ISO 27001 and ISO 9001 certifications, an audited Trust Center and coverage for GDPR, NIS 2, DORA, the EU AI Act and the Transparency Act.

Visit Trust Center

How we address compliance and security for our customers

Certified to the highest standards

SOC 2® Type 2 attested across all five pillars, ISO/IEC 27001:2023 and ISO/IEC 9001:2015 certified — with annual reviews following established audit intervals.

Built to meet the strictest international requirements, with continuous alignment to evolving regulations.

Real-time transparency

Bank-grade resilience with Enterprise strength

Advanced safeguards and continuous compliance

Automating compliance as a competitive advantage

Certified to the highest standards

SOC 2® Type 2 attested across all five pillars, ISO/IEC 27001:2023 and ISO/IEC 9001:2015 certified — with annual reviews following established audit intervals.

Built to meet the strictest international requirements, with continuous alignment to evolving regulations.