# How Deserve uses H2O.ai

As published on [h2o.ai](https://h2o.ai/case-studies/deserve-h2o). Captured by usedby on 2026-10-24.

- Company: [Deserve](https://www.usedby.ai/companies/deserve.md)
- Tool: [H2O.ai](https://www.usedby.ai/tools/h2o-ai.md)
- Industry: [Fintech & Payments](https://www.usedby.ai/companies/industry/fintech-payments.md)
- Teams: data science

## The use case: how Deserve deploys H2O.ai

Deserve uses H2O Driverless AI for automatic machine learning to build and deploy proprietary credit, fraud, and underwriting models. Its small data science team uses automatic scoring pipelines to put self-scoring, fraud-detection, and probability-of-default models into production.

Summary written by usedby from the source page, in English. The figures are those of H2O.ai and Deserve, not ours.

> 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.

> 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 Kapadia, CEO and Founder, Deserve

Source: [h2o.ai](https://h2o.ai/case-studies/deserve-h2o), captured 2026-10-24.

## H2O.ai users in Fintech & Payments

- [Acordo Certo](https://www.usedby.ai/companies/acordo-certo.md) — Confirmed
- [PayPal](https://www.usedby.ai/companies/paypal.md) — Confirmed
- [Underwrite.ai](https://www.usedby.ai/companies/underwrite-ai.md) — Observed

## What usedby checked

We compared the story with its live page on 2026-10-24.

- Checked: the passage quoted above is copied word for word from the page, near the name of Deserve.
- Checked: Deserve uses H2O.ai. Confirmed line. Latest check across sources: 2026-10-24.
- Not checked: the result itself. We quote it; we did not measure it.

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Source: https://www.usedby.ai/case-studies/deserve-h2o-ai · How we check: https://www.usedby.ai/methodology