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 Innovative Company?

We’re on a mission to move finance forward. We help institutions streamline operations, ensure compliance and accelerate digital transformation—backed by the largest credit automation community from one of the world’s most advanced financial markets.

How does Stacc ensure security and compliance?

Stacc is ISO 27001 and SOC 2 certified with EU/EEA data storage, end-to-end encryption, and comprehensive audit trails. All solutions are designed to meet Nordic regulatory requirements.

Does it integrate with existing banking systems?

Yes, Stacc's API-native architecture provides pre-built integrations for major banking and financial systems, enabling rapid deployment and customisation.

Cloud-native credit platform

Innovative company

Superior Time-to-Value

Native compliance & security

Innovative company

On a mission to move the financial industry forward

We help financial institutions streamline operations, ensure compliance and accelerate digital transformation.

The largest credit automation community from one of the world's most digital and regulated financial markets.

Innovative company

On a mission to move the financial industry forward

We help financial institutions streamline operations, ensure compliance and accelerate digital transformation.

The largest credit automation community from one of the world's most digital and regulated financial markets.

Innovative company

On a mission to move the financial industry forward

We help financial institutions streamline operations, ensure compliance and accelerate digital transformation.

The largest credit automation community from one of the world's most digital and regulated financial markets.

45+

Years of credit domain experience

45+

Years of credit domain experience

115+

Customers

115+

Customers

200+

Employees

200+

Employees

70%

of people are software developers

70%

of people are software developers

Our vision

A financial industry free from legacy constraints – powered by modular, highly automated and intelligent software that excites customers.

Our mission

We move finance forward.

Innovation credentials

A seismic credit automation community

We represent the largest credit automation environment in the Nordics with more than 200 credit and technology specialists. 70% of our employees are software developers.

We have delivered hundreds of credit processes. Automation is our Plan A. Not an option. Not a phase two. It separates us from every competitor in the market.

We bring experience accumulated over more than 45 years in lending, credit and modern technology from one of the world’s most digital and regulated financial markets.

Recognised by industry leaders, international publications, system integrator partners, technology partners and leading consulting firms as a company with world-class credit automation competence and Nordic values, Stacc continues to set the standard for what modern lending infrastructure should be.

Explore our certifications and recognitions

Our values

Our values guide our work.

Dedication

We bring relentless dedication to everything we do. It’s in our DNA to deliver, driven by curiosity, precision and deep domain knowledge. We obsess over customer outcomes, move with purpose and show up with intent.

Dedication

Integrity

We speak openly, act sincerely and do what’s right. We hold ourselves to high standards in everything from compliance to culture. We create space to challenge, reflect and grow together.

Integrity

We speak openly, act sincerely and do what’s right. We hold ourselves to high standards in everything from compliance to culture. We create space to challenge, reflect and grow together.

Excitement

We build with excitement, and we build to excite. Whether it’s pioneering new software modules, chasing innovation or creating true WOW moments, we bring energy, curiosity and fireworks into everything we launch.

Excitement

Our qualities

Our qualities underpin our deliverables.

Speed

We work fast. We understand immediately. We bring our customers fast Time-to-Market and rapid Time-to-Value.

Speed

We work fast. We understand immediately. We bring our customers fast Time-to-Market and rapid Time-to-Value.

Knowledge

We know the financial industry extensively and bring experience gained over more than 45 years in the credit domain.

Knowledge

We know the financial industry extensively and bring experience gained over more than 45 years in the credit domain.

Precision

We are laser-focused on business ambition, user experiences and launch timelines. We always hit the target.

Precision

We are laser-focused on business ambition, user experiences and launch timelines. We always hit the target.

Fireworks

When our customers meet us, they experience the excitement and passion we take to work. The results of our solutions mirror fireworks!

Fireworks

When our customers meet us, they experience the excitement and passion we take to work. The results of our solutions mirror fireworks!

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About us

Certifications and recognitions

Management and Board

Sustainability

Locations

Explore our research

View all research

AI in Loan Origination: The Case for Credit-Native AI

Evaluating Buy or Build for Mortgage Origination Software

The Stacc way of working

Contact us

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