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Deserve used H2O Driverless AI to ship proprietary credit, fraud, and underwriting models in weeks instead of months, extending credit to students and the underserved.
Deserve, which extends credit to students and the underserved, used H2O Driverless AI to build proprietary credit, fraud, and underwriting models in weeks instead of months. Automatic feature engineering and machine learning interpretability gave it the transparency a regulated credit business needs, and automatic scoring pipelines let a small data science team ship self-scoring, fraud-detection, and probability-of-default models into production.
“By using H2O Driverless AI for automatic machine learning, we are able to more quickly deploy our proprietary algorithms that allow us to provide credit to students and the underserved.”Kaplesh KapadiaCEO and Founder, Deserve
Deserve is a mobile-first credit card platform built on a cloud-native, API-enabled architecture that lets partners launch and manage personalized card programs. Founded in 2013 by Kalpesh Kapadia and Mike Hallinan, the company pioneered alternative-data underwriting to extend credit to students, professionals, and other consumers underserved by traditional scoring.
Deserve was acquired by Intuit in 2025. Its platform delivers payment processing, rewards, statements, and reporting for consumer and commercial card applications. More information is available at https://www.deserve.com.