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.

Stacc breakfast seminar

How to succeed with credit process automation

When: 04.12.24 from 08:00 to 09:00

Where: Rebel, Universitetsgata 2, 0164 Oslo

Slides in English - Presentations in Norwegian.

Limited seats, so secure your spot today!

Topics we will cover

Ten principles of process automation

Learn best practices and the pitfalls you need to avoid.

Christian walks you through principles to follow if you want to succeed when undertaking process improvement and automation projects.

Christian Aanstad

CEO Stacc Link

Ten principles of process automation

Learn best practices and the pitfalls you need to avoid.

Christian walks you through principles to follow if you want to succeed when undertaking process improvement and automation projects.

Christian Aanstad

CEO Stacc Link

Take the guess-work out of optimising credit processes

Demo of our data-driven approach to optimising credit processes.

Thomas showcases our new “foresight” feature, allowing you to test the impact of credit rule changes before implementation.

Thomas Endresen

Developer & Tech lead, Stacc Link

Take the guess-work out of optimising credit processes

Demo of our data-driven approach to optimising credit processes.

Thomas showcases our new “foresight” feature, allowing you to test the impact of credit rule changes before implementation.

Thomas Endresen

Developer & Tech lead, Stacc Link

Take the guess-work out of optimising credit processes

Demo of our data-driven approach to optimising credit processes.

Thomas showcases our new “foresight” feature, allowing you to test the impact of credit rule changes before implementation.

Thomas Endresen

Developer & Tech lead, Stacc Link

How we transformed Elkjøp’s B2B Onboarding

How Stacc and Elkjøp work together based on best practices.

Real-world success story from our friends at Elkjøp. Elkjøp has embraced our automation platform to streamline processes and drive growth.

Henrik Nøkleby & Kristian Tovsen

Elkjøp Nordic

How we transformed Elkjøp’s B2B Onboarding

How Stacc and Elkjøp work together based on best practices.

Real-world success story from our friends at Elkjøp. Elkjøp has embraced our automation platform to streamline processes and drive growth.

Henrik Nøkleby & Kristian Tovsen

Elkjøp Nordic

SOME OF OUR CUSTOMERS

What’s in it for you?

Actionable insights from industry experts who know everything about process automation

Practical strategies to enhance your credit process automation and mitigate risks

Inspiration and proof of results you can use use to influence change at your company

If all else fails, at least you'll get a free breakfast and meet fellow process-nerds!

Who is this for?

Banks and other financial service providers

Companies that onboard B2B and B2C customers

Companies that are not satisfied with their current processes

Companies that plan to automate their processes

Insights & free breakfast

When: 04.12.24 from 08:00 to 09:00

Where: Rebel, Universitetsgata 2, 0164 Oslo

Still not sure?

If you scrolled this far without signing up, you might have some questions.

Do I have time for another seminar?

Will my time invested be worth it?

What is process automation anyway?

What if we don't change our process?