Scienaptic Blog

Explore fresh perspectives, industry insights, and thought leadership from the Scienaptic team. Our blog covers AI innovations, credit decisioning strategies, and real-world success stories—designed to inspire, inform, and help businesses thrive in a rapidly evolving financial landscape.

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Lending in 2021, how the year looks for the credit market

Scienaptic Systems

The Covid-19 pandemic and subsequent lockdowns brought dramatic changes to the global economy. The World Bank predicted that the global economy...

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Uncertain Times and The Importance of using Flexible Rule Engines

Scienaptic Systems

While demand for credit will probably grow, new challenges have emerged for lenders. As job losses and salary cuts grow, delinquencies...

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Reimagining auto loans: The opportunity ahead for credit unions

Scienaptic Systems

Auto loans, especially those for used vehicles, make up a significant portion of the portfolio for credit unions - around 35% to 45% of their total...

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The Case for Using Borrowers’ Employment Data in Credit Underwriting

Scienaptic Systems

As part of the credit underwriting process, lenders usually verify borrowers’ income and employment status to ensure that they can...

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Credit Management and Account Treatment in a Post-COVID World

Eric Steinhoff

The impact of COVID-19 on the US and world economies has been deep and far-reaching, with economic and financial markets experiencing a...

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What now?

Eric Steinhoff

Is it possible to originate safely in this environment?
“If you’re not growing, you’re dying” – we’ve all heard a version of...

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How lenders can cope with COVID19 stress & avoid the worst case

Pankaj Kulshreshtha

In the run upto 2008, I had an interesting experience as CRO for a loans portfolio. While the stress and uncertainty of COVID19 times are going to make 2008 look...

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Credit Unions powered by AI can help their members weather the storm

Scienaptic Systems

Many economists and researchers were warning us about the next recession to hit us by the mid-2020s. And right when we started experiencing...