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.

What is Stacc Asset Connect?

Stacc Asset Connect is an asset delivery engine that automates the process from contract signing to physical delivery of financed assets. It coordinates between finance companies, dealers, registration authorities, and insurance providers to ensure smooth handovers.

How does the signing-to-delivery process work?

After a finance contract is signed, Asset Connect automatically triggers registration, insurance verification, and dealer notifications. It tracks each step of the delivery process and provides real-time status updates to all parties involved.

Does it integrate with existing dealer systems?

Yes, Stacc Asset Connect integrates with dealer management systems via APIs to enable seamless data flow. Dealers can track delivery status, manage handover documentation, and confirm asset delivery directly from their existing workflows.

Stacc Asset Connect

We streamline everything from contract signing to delivery

Stacc Asset Connect helps leasing and financing companies manage the entire post-signing process on one connected platform.

Coordinate dealers, logistics and partners - automating workflows, reducing delays and improving customer satisfaction.

Request a Demo

Visit Trust Center

Stacc Asset Connect

We streamline everything from contract signing to delivery

Stacc Asset Connect helps leasing and financing companies manage the entire post-signing process on one connected platform.

Coordinate dealers, logistics and partners - automating workflows, reducing delays and improving customer satisfaction.

Request Demo

Trust Center

Stacc Asset Connect

We streamline everything from contract signing to delivery

Stacc Asset Connect helps leasing and financing companies manage the entire post-signing process on one connected platform.

Coordinate dealers, logistics and partners - automating workflows, reducing delays and improving customer satisfaction.

Request a Demo

Visit Trust Center

One connected platform

One, connected
platform

Automated workflows

Automated
workflows

Seamless integration

Seamless
integration

Happy customers

Happy
customers

Delivery highway

Signing the contract used to be the easy part

The platform approach that solves all the pain in the post-signing process

Cloud-native and API-first

Built for seamless integration and scalability. Connects easily with your existing systems and partners.

Cloud-native and API-first

Built for seamless integration and scalability. Connects easily with your existing systems and partners.

Cloud-native and API-first

Built for seamless integration and scalability. Connects easily with your existing systems and partners.

Always accurate, always updated

Get a complete overview of every case, ensuring correct data and full transparency at all times.

Always accurate, always updated

Get a complete overview of every case, ensuring correct data and full transparency at all times.

Always accurate, always updated

Get a complete overview of every case, ensuring correct data and full transparency at all times.

Everyone on board - right on time

Engage every stakeholder automatically, keeping deliveries moving and responsibilities clear.

Everyone on board - right on time

Engage every stakeholder automatically, keeping deliveries moving and responsibilities clear.

Everyone on board - right on time

Engage every stakeholder automatically, keeping deliveries moving and responsibilities clear.

Collaboration without friction

Streamline the entire value chain from contract signing to delivery and reduce risk of failure.

Collaboration without friction

Streamline the entire value chain from contract signing to delivery and reduce risk of failure.

Collaboration without friction

Streamline the entire value chain from contract signing to delivery and reduce risk of failure.

SEE HOW

Simplicity, efficiency, and faster throughput

Discover the optimised workflow of Stacc Asset Connect in this A-Z journey

Delivery highway

From Contract to Customer

Build custom delivery workflows

Workflows for cars, equipment, or anything else aligns stakeholders.

Customer segments, vehicle types and delivery requirements.
Everything coordinated around one timeline: the delivery date.

Confirm terms

Align all stakeholders before moving forward.

Real-time updates keep everyone informed.
Reduce misunderstandings.
Eliminate wasted time.

Upload documents

Securely manage order and delivery confirmations in one place.

Upload documents in your preferred order.
Ensure compliance and data protection across all parties.

Last details

Complete deliveries and handle last-minute changes in a snap.
Real-time confirmations create satisfied customers.
Better data for your team.

Delivered to customer

Customisable for your business needs

Stacc Asset Connect is a flexible SaaS platform that adapts to your unique processes. Easily configure, scale, and orchestrate as many workflows as your business demands.

Case Overview

All cases gathered in an easy and dynamic overview with relevant data visible.

Process Overview

See the full status of every ongoing case with real-time updates and complete traceability.

Email Service

Ensure your customised emails reach the right partners at the right time.

Alerts

Automatic alerts make sure that you never miss important deadlines so the delivery process runs smoothly.

Partner Management

Organise flows with different partners to secure optimal collaboration between stakeholders.

Data Hub

Securing and confirming correct and relevant data for all involved stakeholders.

Get started with Stacc Asset Connect

See how Stacc Asset Connect can transform your business based on our results from a typical financing company.

Your numbers

Car deals annually

deals

1.000 deals25.000 deals

Time spent per casecurrent process

min

45 min480 min

KAM hourly rate

€/hr

€20 /hr€200 /hr

Your estimated annual savings

Cost saved

211.250 €

Based on €65/hr KAM rate

Time saved

3.250 hrs

195.000 minutes across 1.000 cases

Per case

195 min

Down from 240 → 45 min

Time reduction

81%

Faster per case

Calculated based on Asset Connect reducing case handling to 45 minutes, compared to your current process time. Savings reflect KAM coordination time only.

Assumptions: 45 minutes usage per case with Stacc Asset Connect. The information provided by Stacc's Connect calculator is an estimate for general informational purposes only, provided in good faith. Stacc does not guarantee results.

Stacc Asset Connect

Try a flow in Stacc Asset Connect
for yourself

See how much time you can save on generic tasks; We've created a typical flow from Stacc Asset Connect that covers the end-to-end journey from signing to delivery

Minutes saved so far

0 min

Complete steps to see your savings add up

Completed

0/10

Case openedCase closed

Car dealer

KAM

Confirm car priceCar dealer~15 min▼

Dealer receives a unique link by email and confirms the agreed price — no back-and-forth required.

Confirm estimated delivery dateCar dealer~15 min▼

Dealer submits an estimated delivery date. The KAM is notified automatically once done.

Sign agreementKAM~30 min▼

KAM reviews the case and marks the agreement as signed, unlocking the next dealer tasks.

Upload order confirmationCar dealer~20 min▼

Dealer uploads the order confirmation directly to the case.

Confirm updated delivery dateCar dealer~15 min▼

Dealer provides a precise delivery date.

Add chassis number (VIN)Car dealer~10 min▼

Dealer adds the unique VIN once the vehicle is identified.

Add leasing codeKAM~25 min▼

KAM enters the internal leasing code, enabling internal systems to register the vehicle.

Mark car as deliveredCar dealer~20 min▼

Dealer confirms physical handover to the customer, triggering the final documentation steps.

Upload invoiceCar dealer~20 min▼

Dealer uploads the sales invoice for the leasing company's finance records.

Upload delivery approvalCar dealer~25 min▼

Dealer uploads the signed delivery approval — the case is now closed.

Without Stacc Asset Connect

240 min

Email & phone coordination

With Stacc Asset Connect

45 min

81% faster per case

Request a Demo

Ready to transform your asset delivery process?

Connect with us to learn how we can help you with Stacc Asset Connect.

Why Stacc

Cloud-native credit platform

Innovative company

Superior Time-to-value

Native compliance & security

Who we serve

Overview

Banks & Financing Companies

Financial & Investment Companies

Invoice Management Companies

Customer journey

Resources

Certifications & Recognitions

Products

Stacc Flow

Credit process platform

Stacc Core

Core credit ledger

Stacc Mortgage Underwriting

Affordability and collaterals engine

Stacc Commercial Underwriting

Liquidity and collaterals engine

Stacc Commerce

Asset finance quote engine

Stacc Asset Connect

Asset delivery engine

Stacc Invoice

Invoice lifecycle management

Stacc Financials

Treasury and portfolio platform

Stacc CLM

Client lifecycle management platform

Company

Contact

Transparency Act Report

Cookie policy

Why Stacc

Cloud-native credit platform

Innovative company

Superior Time-to-value

Native compliance & security

Who we serve

Overview

Banks & Financing Companies

Financial & Investment Companies

Invoice Management Companies

Customer journey

Resources

Certifications & Recognitions

Products

Stacc Flow

Credit process platform

Stacc Core

Core credit ledger

Stacc Mortgage Underwriting

Affordability and collaterals engine

Stacc Commercial Underwriting

Liquidity and collaterals engine

Stacc Commerce

Asset finance quote engine

Stacc Asset Connect

Asset delivery engine

Stacc Invoice

Invoice lifecycle management

Stacc Financials

Treasury and portfolio platform

Stacc CLM

Client lifecycle management platform

Company

Contact

Why Stacc

Cloud-native credit platform

Innovative company

Superior Time-to-value

Native compliance & security

Who we serve

Overview

Banks & Financing Companies

Financial & Investment Companies

Invoice Management Companies

Customer journey

Resources

Certifications & Recognitions

Products

Stacc Flow

Credit process platform

Stacc Core

Core credit ledger

Stacc Mortgage Underwriting

Affordability and collaterals engine

Stacc Commercial Underwriting

Liquidity and collaterals engine

Stacc Commerce

Asset finance quote engine

Stacc Asset Connect

Asset delivery engine

Stacc Invoice

Invoice lifecycle management

Stacc Financials

Treasury and portfolio platform

Stacc CLM

Client lifecycle management platform

Company

Contact

Transparency Act Report

Cookie policy

Signing the contract used to be the easy part

Cloud-native and API-first

Cloud-native and API-first

Cloud-native and API-first

Always accurate, always updated

Always accurate, always updated

Always accurate, always updated

Everyone on board - right on time

Everyone on board - right on time

Everyone on board - right on time

Collaboration without friction

Collaboration without friction

Collaboration without friction

Simplicity, efficiency, and faster throughput

From Contract to Customer

Build custom delivery workflows

Confirm terms

Upload documents

Last details

Delivered to customer

Customisable for your business needs

Case Overview

Process Overview

Email Service

Alerts

Partner Management

Data Hub

Get started with Stacc Asset Connect

Get started with Stacc Asset Connect

Try a flow in Stacc Asset Connectfor yourself

Ready to transform your asset delivery process?

Try a flow in Stacc Asset Connect
for yourself