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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

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Transforming Lending with Smart Underwriting

$21M

incremental vehicle loans approved

78%

of all approvals
are automated

21X

return on investment

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A Credit Union’s Journey to Higher Approvals & Automation

$9.5M

incremental loans approved

66%

of all approvals are automated

17X

return on investment

Elevate your lending 
with inclusive AI

Same heart. More smart.

Pre-qual | Onboarding | Fraud | Underwriting | Perpetual Offers | Early Warning
Elevate your lending  with inclusive AI

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

Before implementing Scienaptic, we  processed 35% of applications within an hour. Now, that number has increased to 62%.

SVP Lending, Altura Credit Union

With Scienaptic, we are pushing the envelope in terms of risk innovation and continuously enhancing our product to create a richer member experience.

CEO, ELGA Credit Union

Our automated decision rate has jumped from 28% to 75% since adopting Scienaptic.

Chief Lending Officer, On Tap Credit Union

We've seen a 30% increase in applications from Native Americans, driven by higher approval rates. The fear of rejection is no longer a barrier.

CEO, Northern Hills FCU

Compliance
that keeps
you ahead

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

CFPB - Compliance that keeps you ahead

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.

Seamless integration with your LOS

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?

Move the needle on fair, equitable lending

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

Next-gen 
algorithms

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

Next-gen algorithms

AI models trained on

400 Million+ records

7X more risk differentiation

compared to bureau-based scores

$90 Billion

loan applications decisioned on Scienaptic's platform

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