Monsoon CreditTech Competitors

Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California. Upstart Network, Inc. NMLS #936133 | All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873 nmlsconsumeraccess.org

Intuit Credit Karma is a mission-driven company, focused on championing financial progress for our more than 140 million members globally. While we're best known for pioneering free credit scores, our members turn to us for everything related to their financial goals, including identity monitoring, applying for credit cards, shopping for insurance and loans (car, home and personal) and savings accounts and checking accounts* – all for free. Credit Karma has grown significantly through the years: we now have more than 1,700 employees across our offices in Oakland, Charlotte, Culver City, San Diego, London, Bangalore, and New York City. *Banking services provided by MVB Bank, Inc., Member FDIC

Zest AI is an AI-powered credit risk management platform helping financial institutions make smarter lending decisions. Zest AI’s solution suite is designed to keep lenders ahead of economic trends, spanning credit underwriting, fraud detection, and agentic AI. Founded in 2009, Zest AI is a proven partner to banks, credit unions, and specialty lenders, decreasing credit risk and powering growth. Today, Zest AI runs over 1,500 active models and has been named to CNBC’s World’s Top FinTech Companies, Fast Company’s Best Workplaces for Innovators, Forbes Fintech 50, and more. Headquartered in Los Angeles, California, Zest AI serves financial institutions across the United States.