ZestFinance’s ZAML software uses a proprietary explanation method derived from game theory and multivariate calculus that works on the actual underlying model. ZAML explainability determines the relative importance of each variable to the final score by looking at how it interacts with other variables. ZestFinance was one of the first companies to deploy machine learning models for lending. ZestFinance's AI-based tools help lenders to increase revenue, reduce risk, and ensure compliance with complex federal regulations.