Zest AI's Credit Decisioning and Fraud Detection Now Seamlessly Integrated with Temenos Loan Origination Solution
Zest AI has announced a native integration of its AI-automated underwriting and fraud detection capabilities with the Temenos Loan Origination solution. This strategic integration empowers U.S. banks and credit unions to compete more effectively with fintech companies while expanding credit access.
The collaboration offers two key advantages: enhanced credit analysis using thousands of data points beyond traditional models, and real-time fraud detection through the Zest Protect system. Financial institutions implementing Zest AI's solutions can expect to:
- Automate 60-80% of lending decisions
- Reduce charge-offs by 20%
- Deliver faster credit decisions
- Maintain robust risk management
The integration combines Temenos' flexible loan origination platform with Zest AI's advanced technology, creating a comprehensive solution that enables financial institutions to enhance operational efficiency, profitability, and community service while maintaining strong security measures.
Zest AI ha annunciato un'integrazione nativa delle sue capacità di sottoscrizione automatizzata dall'IA e di rilevamento delle frodi con la soluzione Temenos Loan Origination. Questa integrazione strategica consente alle banche e alle cooperative di credito statunitensi di competere in modo più efficace con le fintech, ampliando al contempo l'accesso al credito.
La collaborazione offre due vantaggi principali: un analisi del credito migliorata grazie a migliaia di punti dati oltre i modelli tradizionali, e il rilevamento delle frodi in tempo reale tramite il sistema Zest Protect. Le istituzioni finanziarie che adottano le soluzioni di Zest AI possono aspettarsi di:
- Automatizzare il 60-80% delle decisioni di prestito
- Ridurre i crediti inesigibili del 20%
- Fornire decisioni di credito più rapide
- Mantenere una solida gestione del rischio
L'integrazione unisce la piattaforma flessibile di Temenos per l'origination dei prestiti con la tecnologia avanzata di Zest AI, creando una soluzione completa che permette alle istituzioni finanziarie di migliorare l'efficienza operativa, la redditività e il servizio alla comunità, mantenendo al contempo elevate misure di sicurezza.
Zest AI ha anunciado una integración nativa de sus capacidades automatizadas de suscripción y detección de fraudes basadas en IA con la solución Temenos Loan Origination. Esta integración estratégica permite a bancos y cooperativas de crédito en EE.UU. competir de manera más efectiva con las fintech, ampliando el acceso al crédito.
La colaboración ofrece dos ventajas clave: un análisis crediticio mejorado utilizando miles de puntos de datos más allá de los modelos tradicionales, y detección de fraudes en tiempo real a través del sistema Zest Protect. Las instituciones financieras que implementen las soluciones de Zest AI pueden esperar:
- Automatizar entre el 60-80% de las decisiones de préstamo
- Reducir las incobrables en un 20%
- Ofrecer decisiones de crédito más rápidas
- Mantener una gestión de riesgos sólida
La integración combina la plataforma flexible de originación de préstamos de Temenos con la tecnología avanzada de Zest AI, creando una solución integral que permite a las instituciones financieras mejorar la eficiencia operativa, la rentabilidad y el servicio comunitario, manteniendo fuertes medidas de seguridad.
Zest AI는 AI 기반 자동 심사 및 사기 탐지 기능을 Temenos Loan Origination 솔루션과 네이티브 통합했다고 발표했습니다. 이 전략적 통합은 미국의 은행과 신용조합이 핀테크 기업과 더 효과적으로 경쟁하면서 신용 접근성을 확대할 수 있도록 지원합니다.
이번 협력은 두 가지 주요 이점을 제공합니다: 전통적인 모델을 넘어 수천 개의 데이터 포인트를 활용한 향상된 신용 분석과 Zest Protect 시스템을 통한 실시간 사기 탐지입니다. Zest AI의 솔루션을 도입하는 금융 기관은 다음과 같은 효과를 기대할 수 있습니다:
- 대출 결정의 60-80% 자동화
- 부실 채권 20% 감소
- 더 빠른 신용 결정 제공
- 강력한 리스크 관리 유지
이 통합은 Temenos의 유연한 대출 개시 플랫폼과 Zest AI의 첨단 기술을 결합하여 금융 기관이 운영 효율성, 수익성 및 지역사회 서비스를 향상시키면서 강력한 보안 조치를 유지할 수 있는 포괄적인 솔루션을 만듭니다.
Zest AI a annoncé une intégration native de ses capacités d'automatisation de la souscription et de détection des fraudes basées sur l'IA avec la solution Temenos Loan Origination. Cette intégration stratégique permet aux banques et coopératives de crédit américaines de mieux concurrencer les fintechs tout en élargissant l'accès au crédit.
Cette collaboration offre deux avantages majeurs : une analyse de crédit améliorée reposant sur des milliers de points de données au-delà des modèles traditionnels, et une détection des fraudes en temps réel grâce au système Zest Protect. Les institutions financières qui adoptent les solutions de Zest AI peuvent s'attendre à :
- Automatiser 60 à 80 % des décisions de prêt
- Réduire les créances douteuses de 20 %
- Fournir des décisions de crédit plus rapides
- Maintenir une gestion des risques rigoureuse
L'intégration combine la plateforme flexible d'origination de prêts de Temenos avec la technologie avancée de Zest AI, créant une solution complète qui permet aux institutions financières d'améliorer leur efficacité opérationnelle, leur rentabilité et leur service à la communauté tout en garantissant une sécurité renforcée.
Zest AI hat eine native Integration seiner KI-automatisierten Kreditvergabe- und Betrugserkennungsfunktionen mit der Temenos Loan Origination-Lösung angekündigt. Diese strategische Integration ermöglicht es US-Banken und Kreditgenossenschaften, effektiver mit Fintech-Unternehmen zu konkurrieren und gleichzeitig den Kreditzugang zu erweitern.
Die Zusammenarbeit bietet zwei wesentliche Vorteile: eine verbesserte Kreditanalyse unter Verwendung von Tausenden von Datenpunkten über traditionelle Modelle hinaus sowie eine Echtzeit-Betrugserkennung durch das Zest Protect-System. Finanzinstitute, die die Lösungen von Zest AI implementieren, können erwarten:
- 60-80 % der Kreditentscheidungen zu automatisieren
- Ausfälle um 20 % zu reduzieren
- Schnellere Kreditentscheidungen zu liefern
- Ein robustes Risikomanagement aufrechtzuerhalten
Die Integration kombiniert die flexible Kreditvergabeplattform von Temenos mit der fortschrittlichen Technologie von Zest AI und schafft so eine umfassende Lösung, die Finanzinstitute befähigt, die operative Effizienz, Rentabilität und den Service für die Gemeinschaft zu verbessern und gleichzeitig hohe Sicherheitsstandards einzuhalten.
- Integration with Temenos expands market reach to banks and credit unions of all sizes
- AI system automates 60-80% of lending decisions
- Reduces charge-offs by 20%, improving profitability
- Real-time fraud detection capability integrated into lending platform
- Competitive advantage through faster loan decisioning
- None.
AI-Automated Underwriting and Fraud Detection Helps Banks and Credit Unions in U.S. to Compete with Fintechs While Expanding Lending Access
The collaboration delivers two significant advantages: Zest AI's technology is able to analyze thousands of data points—far beyond traditional credit models—enabling more accurate and efficient lending decisions. Additionally, the Zest Protect system identifies fraudulent applications in real-time without disrupting the customer experience, allowing institutions to customize security levels to match their risk tolerance.
Temenos Loan Origination is a flexible application designed for both direct and indirect lending. It offers advanced automation, strong decision-making capabilities, customizable applications, and seamless integration with third-party services, making the lending process more efficient and adaptable.
"By integrating with Temenos' industry-leading loan origination solution, we're dramatically accelerating the lending innovation for financial institutions of all sizes," said Mike de Vere, CEO of Zest AI. "Temenos' robust market presence and technological infrastructure provide the foundation to help offer more banks and credit unions our AI tools. Together, we're creating a powerful combination that enables banks and credit unions to compete with fintechs while helping expand access to credit to people that traditional models often overlook."
On average, financial institutions implementing the Zest AI underwriting solutions can expect to automate 60
"In today's rapidly evolving financial landscape, institutions of all sizes are seeking ways to automate credit decisioning while safeguarding against increasingly complex fraud," said Sai Rangachari, Chief Product Officer at Temenos. "The native integration with Zest AI addresses both challenges and is equipping the many credit unions and community banks across
About Zest AI
Zest AI is a tech company on a mission to broaden access to lending. Since 2009, we've worked with financial institutions to use AI lending technology to better serve their borrowers. Today, we work with all types of lenders as a catalyst for economic opportunity by helping them leverage AI's potential for good. Most recently, Zest AI was named in the Forbes Fintech 50. Learn more at Zest AI and connect on LinkedIn.
About Temenos
Temenos (SIX: TEMN) is a global leader in banking technology. Through our market-leading core banking suite and best-in-class modular solutions, we are modernizing the banking industry. Banks of all sizes utilize our adaptable technology – deployed on-premises, in the cloud, or as SaaS – to deliver next-generation services and AI-enhanced experiences that elevate banking for their customers. Our mission is to create a world where people can live their best financial lives.
For more information, please visit www.temenos.com.
View original content to download multimedia:https://www.prnewswire.com/news-releases/zest-ais-credit-decisioning-and-fraud-detection-now-seamlessly-integrated-with-temenos-loan-origination-solution-302440955.html
SOURCE Zest AI
FAQ
How will Zest AI's integration with Temenos (TMSNY) improve loan approval rates?
What fraud protection features does the Zest AI-Temenos (TMSNY) integration offer in 2025?
How does the Temenos-Zest AI partnership help banks compete with fintech companies?
What are the key benefits of Temenos (TMSNY) Loan Origination solution?
How does Zest AI's integration with Temenos (TMSNY) impact community banks?
