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 Subscription

Redefine car ownership

Make it easy for customers to subscribe to a car via your website. Create packages with services and different lock-in periods and add additional services such as insurance, roadside assistance, tire agreement, maintenance and service to the subscription price.

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Asset Finance / Car Subscription

Redefine car ownership

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Asset Finance / Car Subscription

Redefine car ownership

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UNLOCK NEW OPPORTUNITIES

Reach new heights, and gain an edge over your competition with a car subscription module

Allow customers to subscribe to a vehicle, instead of owning one. Reach travellers, contractors, and other likeminded people in need for a short-term rental vehicle.

The car industry is changing

Buy, lease, share or rent?

The car industry is changing, and people looking for a new car must decide whether to think electric, hybrid or traditional combustion engines.

This not only raises a practical question, but also one of what the resale value of the car will be. Stacc offers car subscription solutions that allow customers to rent or subscribe a car via your website. Our solution enables you to create different services with different lock-in periods and add additional services such as insurance, roadside assistance, tire agreements, maintenance, and service to the subscription.

Allow your customers to choose

Green-thinking doesn’t necessarily mean fewer cars

More people than ever want flexible and simple car ownership. Many may be queued up, waiting for a new car, some live abroad for a period, and some just want to drive a new car, without spending too much.

Car subscriptions are a perfect arrangement for those who want to try several types of cars before deciding to buy or lease the car. With a car subscription option, customers do not have to invest large sums of capital and commit themselves for a long period of time, but instead have a car available as if it was their own for the duration of the subscription.

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Highly automated

Support the full lifecycle of car subscription from contact to contract including product shaping, onboarding, automated credit scoring and compliance.

Highly automated

Support the full lifecycle of car subscription from contact to contract including product shaping, onboarding, automated credit scoring and compliance.

Drive higher tickets

Additional services such as insurance, road assistance, tire agreements, maintenance, fuel cards and mobility services can easily be added to the contract.

Drive higher tickets

Additional services such as insurance, road assistance, tire agreements, maintenance, fuel cards and mobility services can easily be added to the contract.

Compliance built-in

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

Compliance built-in

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

Secure business

The solution supports automated reimbursement, payments and matching functionality based on advanced business rules, early termination and VAT handling.

Secure business

The solution supports automated reimbursement, payments and matching functionality based on advanced business rules, early termination and VAT handling.

Problems we cover

All in one system

User onboarding

Choice of car

Change of car

Return of cars

Integrations with CRM, EPR and tolls

Termination of subscriptions

Billing including parking, tolls, and fines

Fleet Management

Support

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 Subscription.