What our clients say about AI in Credit Decisions

Scienaptic AI gives us deeper member insight and greater automation, helping us scale responsibly while staying true to our mission and risk standards.

By implementing Scienaptic AI, we are enhancing our ability to see beyond traditional credit scores and identify opportunities that support our mission of accessible, fair lending, helping members achieve their financial goals.

As data and decision complexity increase, Scienaptic AI enables us to modernize our lending approach by automating underwriting, helping us make faster and more informed decisions at scale while continuing to serve our community responsibly.

With Scienaptic’s platform, we can evaluate credit needs with even greater care, insight, and accuracy, without losing the personal touch that defines who we are. This will allow us to enhance credit access and support members at every stage of their financial journey.

Scienaptic’s platform will deepen our risk insight, unify a wider range of data, and streamline lending decisions through intelligent automation. That means faster responses, more accurate approvals, and a better lending experience for our members. By enhancing our underwriting with AI, we can amplify what we already do best — responsibly supporting families and businesses with access to the credit they need to grow.

We needed a solution that could respond in real time without disrupting the member experience. With FraudShield by Scienaptic, we’re intercepting threats earlier, reducing false positives, and strengthening member confidence. It’s a significant step forward in safeguarding our members’ financial well-being.

Our partnership with Scienaptic is a key part of that commitment. For us, this isn't just about a new technology; it's about seeing beyond the numbers. The platform will enable us to analyze complex data patterns that traditional underwriting methods often overlook, providing a more comprehensive picture of our members. We're excited to use this powerful tool to unlock new possibilities for our community and honor the trust our members have placed in us.

Our mission is to empower every member with the financial opportunities they deserve, and our partnership with Scienaptic AI is a major step in that direction. By using AI to analyse comprehensive data patterns, we can see the full financial picture of each applicant, moving beyond traditional underwriting methods to reveal true creditworthiness. This means we can say 'yes' to more members, including those who have been underserved, while still managing risk. It's about opening doors to financial success and upholding our commitment to the communities we’ve proudly served for over 50 years.

When a new member opens their checking account with us, Scienaptic's platform instantly assesses their profile and presents pre-qualified offers for additional products they didn't even know they were eligible for. For instance, when setting up a new deposit account, we might discover the member qualifies for both a refinance of an existing auto loan and our premium rewards credit card - offers they can accept immediately during that same visit. We're turning every interaction into an exciting opportunity to unlock financial possibilities for our new members.