Acing Compliance with AI-Based Credit Underwriting
Author: Raabiya Singh The journey of artificial intelligence has been a long and intriguing one, punctuated by significant milestones...
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- Mar 27
- 4 min
The Impact of Account Aggregators on Credit Risk Assessment
As the world strives for economic growth that benefits everyone, data plays an increasingly vital role in ensuring equitable access to...
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- Dec 21, 2022
- 4 min
Recession-Proof Credit Underwriting Using AI - A Credit Union Perspective
Author: Raabiya Singh The consecutive negative GDP growth rate in the US confirms that the country is now in a recession. It seems,...
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- Oct 31, 2022
- 3 min
BNPL Profitability from a Risk Perspective
Author: Joydip Gupta The future is digital. Whatever doubts surrounded this statement vanished with the pandemic. The pandemic has forced...
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- Sep 6, 2022
- 7 min
Reimagining Lending for the Next Generation using AI
Author: Prateek Samantaray A recent survey of borrowers across the USA revealed that only 47% of Gen Z respondents (age 15-24) in the USA...
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- Aug 31, 2022
- 7 min
AI: At the heart of Recession Proof Lending
Author: Prateek Samantaray No matter which news article you tune in to, the world is focused on a single rallying point: Recession. Often...
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- Jul 13, 2022
- 7 min
Getting your AI partner right : 11 questions to ask before choosing your AI lending partner
Stay ahead of the curve with the world’s leading adaptive, regulatory compliant AI-powered Credit Decisioning Platform AI in lending is...
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- Jun 28, 2022
- 6 min
Fair Lending: Using AI to democratize compliance
Author: VINAY BHASKAR In its most recent advisory, the CFPB addressed a critical question – “When creditors make credit decisions based...
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- Jun 1, 2022
- 7 min
Reimagining the Human Touch with AI: The practitioner's perspective
Author: Prateek Samantaray Organizations are working relentlessly to make the customer experience at every touchpoint of a transaction as...
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- May 19, 2022
- 4 min
5 questions every CLO must ask while evaluating underwriting tools
The credit union landscape: Time to shine again? May 18, 2022 by RAABIYA SINGH, SCIENAPTIC After a brief lull that saw credit union...
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- Apr 4, 2022
- 4 min
Customer experience is everything. Get it right for your lending process using AI
Author | Raabiya Singh One thing every industry will agree on today is - customer experience is everything. With companies like Netflix...
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- Mar 17, 2022
- 7 min
Driving Financial Wellbeing and Enhancing Member Lives through AI
Author: Raabiya Singh Scienaptic’s presence at CUNA GAC 2022 was hard to miss. The leading AI based credit underwriting platform provider...
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- Mar 15, 2022
- 4 min
AI-based Lending Decisions to Provide Enhanced Member Experience
Credit unions have long taken pride in building relationships that prioritize people over products, and that has set them apart from...
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- Feb 16, 2022
- 3 min
The AI imperative: Driving financial wellbeing and enhancing member lives
Only 9% of millennials say credit unions are their primary financial institution, compared with 74% of millennials who are customers of...
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- Dec 1, 2021
- 5 min
How credit unions are using AI to enhance lending
Author: Scienaptic Research Delivering exceptional member experiences and supporting their members is an ultimate goal for credit unions....
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- Aug 4, 2021
- 3 min
Hidden Gems
Author | Jim Kasch The more I talk about AI-driven underwriting, the more questions I entertain from credit union leaders. Among the most...
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- Jul 12, 2021
- 3 min
Is conservative approach to new technologies holding back Credit unions?
Author | Jim Kasch Credit union leaders, so by virtue, credit unions themselves, are conservative by nature. We prefer to measure three...
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- Apr 8, 2021
- 4 min
Credit Decisioning Post-COVID, And How AI Can Help
As COVID eases out in light of vaccinations, the societal and economic impact rages worldwide. Customer behavior has changed permanently...
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- Jan 28, 2021
- 4 min
Lending in 2021, how the year looks for the credit market
The Covid-19 pandemic and subsequent lockdowns brought dramatic changes to the global economy. The World Bank predicted that the global...
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- Sep 30, 2020
- 3 min
Uncertain Times and The Importance of using Flexible Rule Engines
Author | Scienaptic Research While demand for credit will probably grow, new challenges have emerged for lenders. As job losses and...
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- Aug 27, 2020
- 4 min
Reimagining auto loans: The opportunity ahead for credit unions
by Scienaptic Research Auto loans, especially those for used vehicles, make up a significant portion of the portfolio for credit unions -...
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- Jul 15, 2020
- 3 min
The Case for Using Borrowers’ Employment Data in Credit Underwriting
Scienaptic Research As part of the credit underwriting process, lenders usually verify borrowers’ income and employment status to ensure...
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- Jun 3, 2020
- 4 min
Credit Management and Account Treatment in a Post-COVID World
Author: Eric Steinhoff, Rakesh Lavi The impact of COVID-19 on the US and world economies has been deep and far-reaching, with economic...
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- Apr 23, 2020
- 3 min
What now?
Is it possible to originate safely in this environment? Author | Eric Steinhoff “If you’re not growing, you’re dying” – we’ve all heard a...
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