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.

Asset Finance / Car Configuration

Buying a car is no longer what it used to be

Allow customers to configure all car brands, models, engines, standard equipment, additional options, colors, pictures, and prices, in a self-serve portal. We even support advanced filtering of equipment which means you can fully customize your own car.

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Asset Finance / Car Configuration

Buying a car is no longer what it used to be

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Asset Finance / Car Configuration

Buying a car is no longer what it used to be

Request a Demo

No compromises

Always online, API-first car configuration, allowing for endless customization

Allow your customers to access a broad range of vehicles, in an always-online, self-service portal without the need for a Key Account Manager to conduct the configuration of vehicles.

Highly personalized

Allow users to customize their own vehicle in a self-service portal, tailored to your existing brand, ensuring maximum customer satisfaction.

Compliance built-in

Ensure full compliance with automated audit trails, GDPR, FINREP, COREP, tax and VAT built-in from scratch.

API-first

Data on all available car manufactures in your geographic market is directly integrated via 3rd-party API integration with a car configuration module from Stacc.

End-to-end

The solution supports order management from car configuration, selection of additional products such as insurance, service agreements, and contract signing by e-signing.

Problems our solution covers

On-brand interface

Advanced filtering

Consumer-first UX

E-signing

API car-catalogue integration

Fleet Management

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Customizable by APIs

Car configuration from Stacc is not brand specific - on the contrary we have simply built a solution for all available car manufacturers in the specific geographic market.

By building on a 3rd-party integration via APIs we receive a complete data set of car brands, models, engines, standard equipment, additional options, colors, pictures, and prices. The solution supports advanced filtering of equipment that can be included or excluded, which means you can create “your own edition car”.

Integrate & Calculate

We handle the car configuration process with full integration with the Stacc Fleet Management module for advanced price calculation.

The solution includes the ability to calculate customer-specific pricing for fees and interest margins, residual values, VAT, tax, and vendor discounts. The solution supports order management from car configuration, selection of additional products, service agreements to contract signing by e-signing.

Current vs what-could-be

Check your current setup versus Stacc Asset Finance Suite

Focus area	Your current setup	Stacc Asset Finance Suite
Images	Are you manually uploading images?	Drives on API-integration for automation of image-addding.
Specs	Are you manually specifying vehicles?	Drives on API-integration for automation of specification, including all additional equipment.
Pricing	Are you manually configuring pricing?	Drives on meta-rules that allow for simple and consistent pricing.

Focus area	Your current setup	Stacc Asset Finance Suite
Images	Are you manually uploading images?	Drives on API-integration for automation of image-addding.
Specs	Are you manually specifying vehicles?	Drives on API-integration for automation of specification, including all additional equipment.
Pricing	Are you manually configuring pricing?	Drives on meta-rules that allow for simple and consistent pricing.

FAQ

How can I reduce manual processing and decisioning time in our asset finance workflows?

What makes Stacc Asset Finance Suite stand out from other asset finance platforms?

Can Stacc Asset Finance Suite support a variety of lending products and industries?

How secure is the data stored in Stacc Asset Finance Suite?

How does Stacc Asset Finance Suite help me stay compliant across multiple jurisdictions?

Is it easy to integrate Stacc Asset Finance Suite with my existing systems?

How does Stacc Asset Finance Suite prove reliability?

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Get in touch

Connect with us to learn how we can help you with Car Configuration.