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.

News

Press release

16/06/2026

Chartis Research names Stacc a Category Leader for Loan Origination and Loan Management

Stacc is recognised across five quadrants in the RiskTech Credit Lending Operations Solutions 2026 report, with three Category Leader placements.

Stacc has been named a Category Leader in both Loan Origination Systems (LOS) and Loan Management Systems (LMS) by Chartis Research in its RiskTech Credit Lending Operations Solutions 2026 report.

The two placements land on the capabilities at the heart of what Stacc does: moving a loan from application to decision, and managing it across its whole life. Being recognised as a Category Leader in both reflects strength across the entire lending lifecycle, not a single stage of it.

In the same report, Chartis recognised Stacc across three further quadrants. Stacc was named a Category Leader in Alternative Finance Systems, and Best of Breed in both Collateral Management Systems and Limits Management Systems. Across the report as a whole, that is five quadrant placements and three Category Leader positions.

About the report

RiskTech Credit Lending Operations Solutions 2026 is Chartis Research's assessment of the technology vendor landscape for credit lending, covering both traditional banks and providers of alternative finance. It evaluates capabilities across the lending lifecycle, including loan origination, loan management, and collateral and limits management.

Chartis presents its findings through RiskTech Quadrants®, which rank vendors on completeness of offering and market potential. Category Leader marks the strongest overall positions in a quadrant, while Best of Breed highlights depth and specialisation in a particular capability.

Chartis Research is an independent provider of research and analysis on the global risk, compliance and financial technology markets, supporting banks, technology vendors, investment managers and insurers.

The report is available here:
https://www.chartis-research.com/financial-risk/credit-risk/7947494/credit-lending-operations-2026-quadrant-update

Stacc has been named a Category Leader in both Loan Origination Systems (LOS) and Loan Management Systems (LMS) by Chartis Research in its RiskTech Credit Lending Operations Solutions 2026 report.