top of page
Scienaptic_RGB_Color.png

Seamless integration

Optimized for the ultimate customer experience
Fetching bankstatement Analysing statement andcomputing AA Risk Score Scienaptic Rule Engine LOS / Mobile App LOS Parser StatementAnalyser BankingScorecard Integrate with other scorecardsOverlay bank/NBFC policies/rulesDecision and eligibility Account Aggregator Banks Mobile number Fetch Entire response to LOS
Customer logs inthrough mobile app Register or loginto AA system Fetch details ofselected accounts Compute bankanalysis variables Compute bankstatement Risk score Determine loaneligibility & limit View list of banksenlisted under AA Bank statementdetails Bank statementanalysis variables Bank statementrisk score Eligibility decision &limit assignment Provides consent forbank accounts Scienaptic process Client deliverables Customer inputs

Faster, Better & Data-Backed Lending Decisions

A comprehensive account aggregator solution

Mobile-app or Web interface for seamless user journey

Connectivity to AA backend to pull data in real-time

Pre-built analytics
to deliver key variables/ratios

Risk score from AA data, tested on 70 lakh+ borrower data

Raising the bar

Better than industry offering

Direct integration of AA with the bank LOS

Integrated solution offered by Bank analyser companies

Integrated solution offered by Scienaptic

Combine with other scores and internal policies to get consolidate score and BRE decision

AA Risk Score™

(periodically tested on 70 lakh consumer and 5 lakh SME performance data)

Analyser output

variables

Bank statement

in JSON format

bottom of page