Stacc

A deterministic backbone carries the credit platform, with credit logic kept independent of any AI model, and Stacc calls itself credit native rather than AI native. Without the models, origination, servicing, deposits and client lifecycle management still form a complete credit platform, while the AI adds a conversational lending journey and adverse media screening.

Credit decisions stay deterministic under rules the bank owns, with automation by default, manual handling for exceptions and Route to Yes searching for approval paths without bypassing those rules. Adviser decision support flags issues for a person to weigh, and every case carries a complete audit trail.

Verifiable document AI links every extracted fact to its source location, so a reviewer can check each extraction against the page it came from. Extraction accuracy, error rates and validation evidence are unpublished for the document, screening and conversational models.

Tone Marie Wahlstrom of DNB describes mortgage refinancing paid out the same morning, and SBAB's chief digital and information officer explains the choice of platform. Figures such as an 80 percent cut in adviser handling time and an unnamed institution taking origination from three months to ten minutes belong to no named customer.

Model independence limits what a model can decide, not what it learns from, and nothing says whether applications, documents or credit files train the conversational, document or screening models. Many institutions on the platform compete in the same markets, so pooling across them matters.

Applicant financial data, the income documents its document AI reads and adverse media results about identifiable people get no published retention or purge terms. Its trust center may hold a processing agreement, but none is published openly.

SOC 2 Type 2 across all five trust services criteria, ISO 27001 and ISO 9001:2015 are named with annual audits, and a real time trust center runs on Vanta. An edition printed as 27001:2023, which does not exist, leaves the edition and certifying body to confirm.

DORA, the EU AI Act and GDPR are what the software helps a bank meet, not standing of Stacc's own. No license or supervisory relationship of its own is stated.

Its stated position on the EU AI Act is that a deterministic, bank owned credit decision meets the explainability bar where autonomous approval would not, so models are designed out of the decision itself. Conversational intake, adviser support and adverse media screening still shape who gets scrutinized, and no fairness testing of those models is published.

Misread income documents or wrong adverse media matches fall on applicants with no relationship to Stacc. Stacc publishes no commitment behind the output, and nothing divides loss between it and the bank.

Conversational lending, document AI and adverse media screening carry no named model, provider or version, and whether they are built in house or licensed is not said. Applicant documents and conversations therefore reach models a buyer cannot identify.

Origination, servicing and back office run on Stacc itself, with named integrations including a Dynamics 365 Business Central ledger, Raisin for deposit funding and eID signing among more than 200 prebuilt. The workflow and decision framework is open source on the BPMN and DMN standards.

Microsoft Azure appears only as the platform a customer, Lea Bank, runs its own systems on; for its own service Stacc names no hosting provider, region or private option. EEA banks under DORA will want to know whether data stays in the EEA.

Investor material mentions only a multi year subscription model, and no price, unit or implementation estimate is published. Whether pricing follows applications, accounts or institutions stays unknown.

More than 115 institutions, from banks and financing companies to insurers and pension funds, use separate products for mortgages, asset finance, deposits and client lifecycle management. Each product names customers, such as Eika Gruppen's more than 50 local banks on mortgages and Danske Bank on car finance.