Fuel sustainable growth across business lines, credit products, and borrower tiers.

  • Cards

  • Auto

  • Personal

  • Mortgage Underwriting

  • Mortgage Servicing

  • Student

Increase approvals and decrease losses

Identify better borrowers and approve more loans—or swap risky borrowers for more creditworthy ones for a healthier portfolio.

See farther into the future with powerful prediction and insight, plus gain a competitive edge with smart automation and efficiency.

Build a
better lending business

Models that make an impact

Scienaptic offers effective credit model management and easy AI adoption with benefits wherever your business needs it most.


Make more good loans and fewer bad ones for better lending.


Recuperate more money and deploy resources more efficiently with a clearer view of likelihood to repay.

Portfolio Assessment

Better stack-rank risk of loans already on your books to inform business strategy and planning.

Better, faster, more transparent
lending decisions

Whether you need to find more good borrowers, mitigate risk, and decreases losses, drive portfolio yield, or price more intelligently, Scienaptic AI helps you grow safely and in compliance with your regulators.

Case Study

AI powered underwriting for a leading SMB lending bank in India

Case Study

Growing SMB lending portfolio using AI powered underwriting platform Ether

Scienaptic Systems Inc.

50 West 47th Street, 16th Floor, Ste. 1614, New York, NY, 10036

Ph: +1 212 244 4030

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