Traditionally, underwriting has used a handful of variables. ZestFinance takes an entirely different approach to underwriting using machine learning and large-scale big data analysis.

With a team of some of the world’s best data scientists from Google and lending experts from Capital One, ZestFinance analyzes thousands of potential credit variables – everything from financial information to technology usage – to better assess factors like the potential for fraud, the risk of default, and the viability of a long-term customer relationship.