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.

Automotive Finance

Sell more cars with less work

With our automated POS software and customised user-interfaces, we can streamline your process from lead generation to contract closure within banking, leasing and financing of cars.

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Automotive Finance

Sell more cars with less work

With our automated POS software and customised user-interfaces, we can streamline your process from lead generation to contract closure within banking, leasing and financing of cars.

Request a Demo

Automotive Finance

Sell more cars with less work

With our automated POS software and customised user-interfaces, we can streamline your process from lead generation to contract closure within banking, leasing and financing of cars.

Request a Demo

trusted by

Without an effective software system you might experience…

Without an effective software system you might experience...

Your operations are depending on people instead of software

Problems this creates:

Difficulty in collaborating

Less data security

Inability to leverage data analysis

Your data is spread across spreadsheets and old systems

Problems this creates:

Risk of human errors

Lack of scalability

Slow manual process

Personal data in emails, contracts on paper and tasks on post´its

Problems this creates:

Poor tracking

Difficulty distributing resources

Limited customer service

Product areas

Scalable and modular POS-platform for car sales

Easy & fast offering

Our platform optimizes the origination process through automation and customization. It features integrations that streamline operations, allow for automated car tax calculations, and enable you to generate offers in just minutes. Customize the entire origination process to fit your specific needs.

Easy & fast offering

Automated workflow

Our platform enhances the car buying experience by integrating with industry car catalogues, featuring a user-friendly car configuration tool, and including an automated image gallery administrator. This combination ensures a seamless and efficient vehicle selection process for users.

Automated workflow

Smart lead gen. & sales channels

Our platform supports unlimited internal and external sales channels, offering both semi- and fully-automated lead generation for B2C and B2B markets through web and fleet portals. This setup ensures an optimized user experience, efficiently catering to diverse customer needs.

Smart lead gen. & sales channels

Financial checks & digital signing

Our platform streamlines financial operations with a semi- to fully automated credit check process that utilizes KYC, PSD2-data, and customer tax data. Every contract and document is digitally signed for convenience and security. Additionally, the system supports invoicing and contract administration.

Financial checks & digital signing

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capabilities

Align with the modern consumer

Car Configuration

Full API-integration with JATO. Enable automated workflows with an automated configuration module, that works 24/7. Cut the manual work - embrace automation.

Car Configuration

Full API-integration with JATO. Enable automated workflows with an automated configuration module, that works 24/7. Cut the manual work - embrace automation.

Car Subscription

Gain new business opportunities with a car subscription module. Empower more customers, while gaining a competitive advantage.

Car Subscription

Gain new business opportunities with a car subscription module. Empower more customers, while gaining a competitive advantage.

Car Leasing

Enable more customers and gain access to a new busines area with a leasing module from Stacc.

Car Leasing

Enable more customers and gain access to a new busines area with a leasing module from Stacc.

Product areas

Smart modules managed with a switch

Icon of a scanning frame with a small document and a checkmark in the center, symbolizing KYC

KYC & Compliance

Integrate KYC seamlessly into our software for identity verification. Our solution ensures regulatory compliance and enhances security, all within your existing platform.

Credit Assessment

Our system swiftly analyses creditworthiness, streamlining the decision process. Say goodbye to paperwork and embrace efficiency for faster, accurate results.

Car Catalogue

Automated or manual car catalogue with a lot of possibilities for setting up cars with specs, financial calculations, retrofitted and/or factory fitted equipment, images and much more.

Dashboard

Delivers real-time insights, enabling swift decision-making and strategic adjustments. Its visual representation simplifies complex data, fostering clear communication and alignment.

Portfolio Management

Gain visibility and control with a real-time overview that aggregates all cases in one intuitive interface. Streamline workflows, and make informed decisions effectively.

Customer Onboarding

We transform customer onboarding into a seamless digital experience. Designed for simplicity and efficiency, it guides them through a simple process to integrate their data.

Digital signing

Easily create and follow digital signing requests in our KYC Portal. Construo eSign facilitates secure, easy and seamless signing of documents and makes them available as PDF files.

Invoice Management

Gain visibility and control with a real-time overview that aggregates all cases in one intuitive interface. Streamline workflows, and make informed decisions effectively.

Sales Channels

Our platform supports unlimited sales channels combined with semi- and fully-automated lead generation for B2C and B2B markets through web and fleet portals.

What we did for Alphabet Denmark

Stacc delivers a customized backend for car management combined with a fully custom fleet portal for customers to configure their new company car.

Fleet Management

Platform for vehicle Management

Read Alphabets success story

Custom Ecommerce applications

Drive your car commerce to a new level with tailored frontends

Elevate your online car commerce experience with our tailored frontends. We specialize in crafting customized interfaces designed to enhance every aspect of the car buying journey.

From sleek and intuitive user interfaces to seamless integration of essential features like vehicle comparison tools and virtual test drives, we take your online car sales to new heights.

Integrated Fleet Portal

Custom or out-of-the-box solution
for corporate self-service

Custom or out-of-the-box solution for self-service

A Fleet Portal empowers employees and fleet admins to search and order vehicles, manage active contracts and provide real-time data for stakeholders to make informed decision-making.

Investing in a fleet portal enhances self-service capabilities, driving efficiency and adding value to fleet operations.

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200+ pre-built integrations