
More Approvals.
Lower Risk.
Instant Decisions.
AI powered credit decisioning to transform how you lend
Trusted by 110+ lenders of all types and sizes
What can Scienaptic do for you?
Automate the credit underwriting process from end-to-end
Automate your decisioning setup
Leverage alternate data points and 1000+ signals to identify creditworthy borrowers
Lend more at Low risk
Self-learning models help to offer instant credit decisions and personalize loan offerings for applicants
Streamline customer experience
Scienaptic’s suite of AI enabled technologies helps you say "Yes" to more borrowers at lower risk

Scienaptic’s smart AI credit underwriting platform helps lenders better identify qualified prospects, flag high-risk prospects, and offer a 360 degree risk assessment before approving an application
Get
Explainable AI, ML credit underwriting models
Deploy
A complete Credit decision engine in just 4 weeks
Test & Learn
An environment for implementing concurrent underwriting strategies
Redesign Credit Decisioning with AI

Fair lending for All,
Discrimination towards none.
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
Know more about regulatory aspects of Credit Decisioning and how Scienaptic stays ahead of the curve
Case Studies
Know how Scienaptic is creating visible impact across the globe
The deployment of Scienaptic's AI-powered credit decision platform, is enabling us to provide more personalized offerings to educators, broaden our member reach and enhance our member experience."
Stephen Green
Vice President of Lending at Class Act


25% reduction in Bad Rates
Supporting Local Educational Communities with innovative risk assessment
Seamless Integration
Scienaptic integrates seamlessly with existing lending ecosystems, and ensures a disruption-free deployment
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Easy integration with existing loan origination systems
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Platform deployment within 4-6 weeks
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Better risk predictions through a single API call
