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Elevate your lending 
with inclusive AI
Same heart. More smart.
Pre-qual | Onboarding | Fraud | Underwriting | Perpetual Offers | Early Warning 
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Trusted by 150+ lenders
Artificial Intelligence.
Real Outcomes.
Real Inclusion.
Scienaptic’s suite of automated AI enabled technologies helps you say "Yes" to more members at lower risk.
80%+
more automation
25%+
more approvals
20%+
lesser defaults

Overriding Scienaptic decisions proved costly every single time and it led to losses exceeding $60,000. We now totally trust the AI.

SVP Lending, Credit Union of Colorado

Next-gen
algorithms

Powered by 200 years credit risk expertise and a decade of technological innovation.

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AI models trained on 

400 Million+ records 

12X more risk differentiation

compared to bureau-based scores

$90 Billion

loan applications decisioned on platform

Compliance that keeps you ahead

100% of our clients have aced NCUA audits. Stay ahead with AI solutions for today and tomorrow's regulations!

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Model attributes go through thorough disparate impact analysis to ensure no bias in design

Our AI models provide rich and diverse set of adverse action reasons

Comprehensive documentation on logic underlying model, robustness and limitations of model

Learn about the regulatory aspects of credit decisioning and how Scienaptic stays ahead of the curve.

Move the needle on fair, equitable lending

Integrate diverse data sources, advanced machine learning algorithms, and comprehensive risk and fair lending monitoring processes.

95%+

of applications without a traditional credit score can be scored

45%+

more approvals for protected classes

1.3 Million+

underserved applicants approved every month

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Enhancing Member Lives with Automated Credit Decisioning

25%

increase in approvals for direct vehicle loans

60%+

automation across portfolios

56.6X

return on
investment

Seamless integration with your LOS

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We have partnered with every major LOS technology. Scienaptic handles the heavy lifting, seamlessly integrating with existing lending ecosystems to ensure a disruption-free deployment.

Want to know more about how we can transform your lending processes?

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