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 Flow - Credit Process Platform

The modular, AI-assisted credit process platform

Cloud-native credit process platform combining flexible modules, high-automation templates, AI-assisted journeys and 200+ pre-built integrations.

Modular by design, deterministic where credit decisions live, model-agnostic where AI helps.

Request a Demo

Visit Trust Center

Stacc Flow - Credit Process Platform

The modular, AI-assisted credit process platform

Cloud-native credit process platform combining flexible modules, high-automation templates, AI-assisted journeys and 200+ pre-built integrations.

Modular by design, deterministic where credit decisions live, model-agnostic where AI helps.

Request Demo

Visit Center

Stacc Flow - Credit Process Platform

The modular, AI-assisted credit process platform

Cloud-native credit process platform combining flexible modules, high-automation templates, AI-assisted journeys and 200+ pre-built integrations.

Modular by design, deterministic where credit decisions live, model-agnostic where AI helps.

Request a Demo

Visit Trust Center

Trusted across Mortgage, Asset Finance, SMB & Commercial Lending and beyond

Impact that speaks for itself

-80%

reduction in manual case costs across many banks and lenders

300%

commercial gain in 4 months at a Tier 1 bank

80%

of new clients onboarded in less than 1 minute at a financial institution

applications processed per year for the largest installation

Platform overview

One platform. Every credit product.

Cloud-native, API-first, composable. Build the credit experience your institution needs — across any credit type, on the same platform.

Image of user interface illustration of software

Flexible modules

Compose the perfect origination process with cloud-native microservice modules.

Mortgage Origination

Auto/Equipment Loan Origination

Auto/Equipment Leasing Origination

Car Subscription Origination

Consumer Loan Origination

Credit Card Onboarding

POS Credit Onboarding

Commercial Loan Origination

SMB and Business Loan Origination

High-automation templates

Pre-built high-automation templates by credit type and market. Most cases run end-to-end automatically. When a deviation needs an advisor, it lands as a discrete task with all the context already prepared.

How Stacc Flow runs your credit operations

Task-based case management

Streamline case handling to discrete manual tasks. One app, one interface, all data in one place. The right case handlers assigned to the right applications at the right time.

Ditch juggling multiple interfaces for every credit application.

Real-time transparency

Higher automation, less variance

Self-serve rule editing

Pre-deployment rule simulation

Task-based case management

Streamline case handling to discrete manual tasks. One app, one interface, all data in one place. The right case handlers assigned to the right applications at the right time.

Ditch juggling multiple interfaces for every credit application.

Real-time transparency

Higher automation, less variance

Self-serve rule editing

Pre-deployment rule simulation

Credit-native, not AI-native

Built on explicit rules, designed for AI to plug in

Stacc is architected around credit, with AI where it adds value. Deterministic where credit decisions live. Compliance built into the architecture, not retrofitted.

Conversational Credit Journeys

Let borrowers complete the full credit journey — advisory, application, disbursement — through voice or chat, switching channels as they prefer; generative UI captures regulated inputs, the decision engine keeps every decision deterministic.

Conversational Credit Journeys

Route-to-Yes

Turn borderline cases into ranked and pre-validated paths to yes through advanced simulation — every scenario checked by the same decision engine as every approval. Defensible to the borrower. Defensible to the regulator.

Route-to-Yes

Advisor Copilot

Give advisors a chat surface inside the case, drawing on live case data — KYC, credit context, collateral, multi-party review —and the bank's credit rules, credit policy and knowledge base. Decisions remain with the decision engine or the advisor.

Advisor Copilot

Intelligent Document Processing

Confirm every AI-extracted value in seconds — show the source PDF and the extracted fields side by side. Every extracted value traces back to its source PDF and field. Explainability by attribution, not by approximation.

Intelligent Document Processing

Omnichannel Credit Operations

Run one credit policy and one audit trail across every channel — digital, branch, broker, agent, chatbot or voice assistant — so the same application gets the same answer and explanation wherever it lands.

Omnichannel Credit Operations

Intelligent Rule Author

Translate plain-language credit policy into executable decision rules — at setup and whenever policy changes — with AI proposing the structure and the simulator quantifying impact against historical cases; the bank reviews, signs off and promotes to production.

Intelligent Rule Author

Architecture

Stacc Flow orchestrates the credit process — front to back

Case advisory

Manual tasks

Decision management

Case handler

Handles manual tasks

Omni-channels

Accept customer applications

Stacc Flow

Orchestrates case flow

Core banking system

Back-office

Integrations

Pre-built and flexible catalogue

Stacc 3rd party integration catalogue

Stacc proprietary service modules

Your internal integrations & services

API-native modules

Built on industry standards. Built for developers.

API-native modules. Documented APIs. Containerised architecture. Built for developers to extend, not work around.

Built on industry standards

Stacc Flow uses Business Process Model and Notation (BPMN) for process visualisation, Decision Model and Notation (DMN) for credit decision rules, and Model Context Protocol (MCP) AI model integration, with open standards throughout.

Built on industry standards

Developer friendly platform

Documented APIs, containerised architecture, self-serve configuration. Developers extend the platform with their own services and integrations — without leaving the standards.

Why Stacc Flow?

A world-class credit process platform

Credit-native platform and expertise

200+ credit and technology experts. Institutional knowledge built over 45+ years in the credit domain. A vibrant innovation community from one of the world's most digital and regulated financial markets.

We have done this hundreds of times. For decades.

Modular and AI-assisted capabilities

Highly automated capabilities built-in

Superior Time-to-Value

Native compliance and security

Credit-native platform and expertise

We have done this hundreds of times. For decades.

Modular and AI-assisted capabilities

Highly automated capabilities built-in

Superior Time-to-Value

Native compliance and security

Bank-grade resilience, enterprise strength

Built for the security, scalability and compliance Tier 1 banks demand

Stacc powers mission-critical credit workflows for Tier 1 banks

Certified compliance and security

SOC 2® Type 2 attested, ISO 27001 certified
GDPR, NIS 2, DORA, EU AI Act and financial regulations covered natively
Custom instance, time-sensitive reporting, extensive logging and audit
Continuous policy and risk monitoring, regularly pen-tested
EU/EEA data residency, with regional hosting options

Scalable platform

Cloud- and API-native, proven at Tier 1 scale
3M+ credit applications/year and 1,500+ concurrent users per installation with existing customers
Multi-country, multi-currency, multi-asset, multi-credit-type — across the full credit lifecycle

Integration-friendly and flexible platform

200+ pre-built integrations to third-party services
One platform for all channels - with the bank's existing front-ends
Core-, cloud-, AI model- and data-agnostic
Self-serve, low-code/no-code configuration

Proven reliability

45+ years of institutional credit knowledge
115+ customers, including Nordic Tier 1 banks
ISO 9001 certified quality management
24/7/365 SLA-backed SaaS delivery with 99.95% uptime guarantees available

Visit Trust Center

Talk to our Enterprise Team

Front-end agnostic, multi-channel by design

Run the platform behind any UX. Across every sales channel.

Stacc's platform is front-end agnostic — use our UX components, your own front-ends, or a third-party UX layer. And it's multi-channel by design — digital direct, branch, broker, partner, chatbot. The same case can start in one channel and finish in another, with the same rules and the same audit trail throughout.

Customer application

Stacc's borrower-facing and white-labeled UX for credit applications, ready to deploy

eID

e-Signatures

Data & documentation

AML & KYC checks

Credit scoring

Stacc Affordability API

MyPage

Stacc's self-service portal for borrowers

Track application status

Request refinancing

Request interest-only period or payment holiday

Touchpoints

Stacc's communication layer

Customer chat

SMS/E-mail notification

Automated reminders

API-integrations with 3rd party platforms

Technology integrations

Get faster Time-to-Value with our 200+ pre-built integrations

Identity verification, registries, credit bureaus, signing, AML, fraud, valuation, tax data — pre-built and production-ready. Add your own in days, through documented APIs.

Customer stories

Don't just listen to us

From mortgage at Tier 1 banks to asset finance across the Nordics to SMB & commercial lending in new markets — the same platform, different products

By owning the credit policies and scorecards, the credit committee has the tools needed to monitor and manage fraud and credit risk, thereby reducing credit losses.
Risk software in-process integration
By owning the credit policies and scorecards, the credit committee has the tools needed to monitor and manage fraud and credit risk, thereby reducing credit losses.
Risk software in-process integration
By owning the credit policies and scorecards, the credit committee has the tools needed to monitor and manage fraud and credit risk, thereby reducing credit losses.
Risk software in-process integration
By checking for signatory rights, correct delegation of authority and signing of credit agreements, the correct documentation is made available to support fraud cases and claims.
Signatory rights integration
By checking for signatory rights, correct delegation of authority and signing of credit agreements, the correct documentation is made available to support fraud cases and claims.
Signatory rights integration
By checking for signatory rights, correct delegation of authority and signing of credit agreements, the correct documentation is made available to support fraud cases and claims.
Signatory rights integration
By automating the credit process across sales agents, customers and retailers, we have reduced support calls by 80%.
Credit process automation
By automating the credit process across sales agents, customers and retailers, we have reduced support calls by 80%.
Credit process automation
By automating the credit process across sales agents, customers and retailers, we have reduced support calls by 80%.
Credit process automation
Stacc Flow is as close as you get to plug-and-play, while at the same time having real, efficient process automation that meets strong requirements for scalability, robustness and opportunities to make continuous changes and orchestration of your credit process.
Client feedback a few months after Go-Live with Stacc Flow
Stacc Flow is as close as you get to plug-and-play, while at the same time having real, efficient process automation that meets strong requirements for scalability, robustness and opportunities to make continuous changes and orchestration of your credit process.
Client feedback a few months after Go-Live with Stacc Flow
Stacc Flow is as close as you get to plug-and-play, while at the same time having real, efficient process automation that meets strong requirements for scalability, robustness and opportunities to make continuous changes and orchestration of your credit process.
Client feedback a few months after Go-Live with Stacc Flow

FAQ

What does Stacc Flow do?

How does Stacc Flow integrate with our existing systems?

What credit types does Stacc Flow support?

How does Stacc Flow handle AI in the credit process?

Request a Demo

Ready to transform your institution?

Experience the AI-assisted credit platform. Modular. Highly automated. Deterministic by default.

Disclaimer: GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally and is used herein with permission. Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.