Platform · Built for the credit union context
Tailored to your unique context.
A platform your risk team owns.
The decisioning platform that brings in your data, learns your lending policy, and gives your risk team a studio to design, test, and deploy strategies. All with a clear audit trail that holds up under examination.
Risk differentiation
1
2X
More risk separation than bureau scores alone. Built on 500M+ lending records and tuned to your book.
500M+
Lending records training the models
3,000+
Bureau and non-bureau signals
200+
Strategies live across clients
<1s
Typical decision time
Inside the platform
Member 360°
|
Strategy studio
|
Backtesting
|
Adapted models
|
Self-learning AI
|
Decision log
|
Override audit
|
Examiner exports
Inside the platform
Member 360°
One applicant. Every signal in one place.
A pre-built waterfall stitches bureau, banking, employment, payment, and alternative data into a single, governed profile. Pull only what each decision needs, when it needs it.
Member profile · App 4738
Compiled in 712ms from 9 sources
Member 360°
Scienaptic score
782
+57 over bureau-only score
Tier 1 · 18th percentile in book
Bureau pull
714 · 7 trade lines
experian · 09:14:04
Cash flow
DTI 28% · 22 mo stable
plaid · 09:14:05
Identity
Verified · no synthetic markers
fraudshield · 09:14:05
Non-bureau signals
132 of 3,000+ matched
alt data · 09:14:06
Waterfall stopped early · 3 pulls skipped
Data cost · $0.41 · saved $0.86
One member. The full picture.
Scienaptic pulls FCRA compliant data from LexisNexis, Plaid, SentiLink, Socure and many others, along with core data on signals like address stability, payroll, rent, and asset ownership. Everything resolves into one member profile that your underwriter can read.
Pre-built connectors for the data sources credit unions already use
Smart waterfall so prime files cost less than thin files to decision
Score Gen-Z, new-to-credit, and thin-file members with the same care as your prime book
Every signal traceable to its source. Nothing hidden behind a model
Strategy studio
Design. Test. Deploy.
A no-code studio where your risk team designs lending strategies, tests them on your own past applications, and rolls them out only when the numbers are clear.
Indirect Auto · Strategy v15
scienaptic.studio · 4 nodes changed · drafted by Maria.O
v14 · LIVE
v15 · SHADOW · 72 hr
Promote
Tested on
2.4M
Of your past applications
More approvals
+4.2pts
At the same risk level
Lower losses
-11bps
Modeled on your portfolio
Indirect Auto · Strategy v15
scienaptic.studio · 4 nodes changed · drafted by Maria.O
v14 · LIVE
v15 · SHADOW · 72 hr
Promote
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Tested
on
2.4M
Of your past applications
More
approvals
+4.2pts
At the same risk level
Lower
losses
-11bps
Modeled on your portfolio
Build by clicking, not coding.
Drag and drop rules, branches, and guardrails your risk team can read.
Test
before you ship.
Replay any new strategy against your own past applications and see the lift and the loss it would have produced.
Run challengers in shadow.
Try new strategies on live traffic without changing a single member decision until the evidence is in.
Maker, checker, audit.
Every change is approved, version-controlled, and logged. Nothing goes live without the right sign-off.
Adapted to your context
Adapted to your context. Tested on your book.
Not a generic risk score with a credit union sticker on it. Modern AI that learns your portfolio, gets sharper over time, and explains every decision in plain language.
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Self-learning. Always current.
The platform learns your portfolio, builds the model that fits, and keeps it sharp with frequent retraining. Your risk officer picks the model. The platform handles the math.
Trained on your portfolio. Tuned for your members
Retrained frequently so the model stays sharp as your book changes
Every decision comes with its top reasons,in plain language
Fairness checks built into every model, before it goes live
A model for every loan type
One library. Every product credit unions write.
Best-fit models for the loan types you actually book, each one calibrated to your members and your portfolio.
Indirect Auto
The dealership wins on price. We price every deal to its member.
Member-level, deal-level pricing tuned to your portfolio's yield and risk targets, with LTV-, term-, and tier-aware sensitivity.
+86 bps
Risk separation over bureau
240ms
Median decision
Direct Auto
Refis and pre-approvals tuned to a member you already know.
Behavioral signals from your own deposit and card book feed the score. Refi targeting that does not cannibalize the rest of the portfolio.
+74 bps
Risk separation
4.1×
Refi conversion
Early warning & line review
Catch the member who is about to slip, before they do.
Portfolio-level monitoring resolves down to member, segment, and vintage. Early triggers feed the strategy studio for outreach and line changes.
14d
Average lead time
Auto
Retraining cadence
Credit card & line management
Right line, right moment, no surprises.
Behavioral attributes and bureau refresh drive line increase, line decrease, and offer eligibility on a single rhythm.
+38%
Spend lift
-9 bps
Charge-off
Personal & signature loan
Score the thin file with cash-flow, not assumptions.
Open-banking cash flow and obligation data fill the gap where bureau coverage is shallow, so first-time borrowers get a fair read.
+91 bps
Sub-prime lift
90%+
Thin-file scored
HELOC
Property value, equity, and tenure in one decision.
Real-time property values, equity signals, member tenure, and deposit history feed one fast, defensible approval.
62%
Auto approval
0.5%
30+ DPD steady
1,000+
Models across segments and products
Frequent
Retraining on your own performance data
Every
Model is documented and ready for examiner review
Risk management portal
An actionable portal for ongoing risk management.
Live dashboards covering approvals, automation, delinquency, fair lending, and model performance. Refreshed in real time. Role-based access. Exportable in one click.
Audit & transparency
Every decision logged. Every reason explainable.
A full record of every decision. Inputs, the model used, the reasons, and any human override. The pack an examiner asks for, ready before they ask.
Decision log · live
portal.scienaptic.ai / audit / decisions
All
Overrides
Adverse action
Drift alerts
Export · NCUA pack ↓
Timestamp
09:14:06.241
09:14:01.808
09:13:54.117
09:13:42.502
09:13:31.094
Decision & reason
App 4738 · Approved
$24,500 for 60 months at 7.49%. Reasons: 22 months of stable cash flow, payroll signal offsets thin file, identity verified.
App 4731 · Declined.
Reasons: high recent inquiries in last 90 days, debt-to-income above policy. Model: CU Indirect Auto v14.
App 4729 · Override
by L.Patel (analyst). Model decline reversed to approve. Reason: 14 year member, clean recent history.
Model alert ·
Indirect Auto, Q3 vintage. Approval rate up 180 bps over the last 7 days. Recalibration ticket opened.
App 4725 · Approved
$11,200 for 48 months at 8.95%. Bureau alone would have declined. Approval driven by a cash flow signal.
Meta
Auto · Approve
Auto · Decline
Human · Override
System · Alert
Auto · Approve
Showing 5 of 142,318 decisions in last 90 days
Retained 7 years · tamper evident
Adverse action
Reasons a member can read.
Adverse action reasons written in plain language, mapped to the model and to ECOA codes.
Decision replay
Step into any past decision.
See the exact inputs, model version, and rules behind any decision, weeks or years later.
Override audit
Every reversal accounted for.
Track which analysts override which decisions and how those overrides perform against the model.
Examiner export
The pack the NCUA asks for.
One click to export the fair lending review, AAR distribution, model documentation, and override register.
Prebuilt integrations
Your stack is already wired in.
Plugs into the loan origination, core, bureau, identity, and banking systems credit unions actually use. Your core stays untouched. Your team keeps shipping.
Loan origination
LOS
Single decision-string API into your LOS workflow.
MeridianLink
Origence
Sync1 Systems
Temenos
CRIF Select
+ many more
Bureau & identity
Bureaus, KYC, ID
Native bureau pulls and identity providers, fully governed.
Experian
Equifax
TransUnion
LexisNexis
Socure
+ many more
Core banking
Core platforms
Read member tenure, deposits, payment history without core changes.
Symitar (Jack Henry)
Fiserv DNA
Corelation KeyStone
FIS Horizon
CU*BASE
+ many more
Banking, income & alt-data
Data & signals
Cash-flow, payroll, and alternative attributes for thin-file lending.
Plaid
MX
Argyle
Pinwheel
Nova Credit
+ many more
40+
Prebuilt connectors live in production today
One
API call returns the full lending decision
6 wks
Typical time from kickoff to first live decision
A measured rollout
Live in 4 to 6 weeks.
No core replacement. No workflow rebuild. We integrate with your LOS, learn your policy, and start returning decisions in shadow while your team watches.
WEEK 01
01
Kick-off
Goals, risk appetite, and the decisioning surfaces where you want lift first.
CLIENT + SCIENAPTIC
WEEK 02
02
Strategy build
We co-design your first strategies in the studio, backtested against your historical book.
SCIENAPTIC LEADS
WEEK 03 to 05
03
Integration & shadow
LOS and core wired up. Decisions run in shadow against the champion with a full audit trail.
JOINT
WEEK 06+
04
Go live, then iterate
Promote to live. Reporting goes self-serve. Strategies tuned frequently on your performance data.
CLIENT LEADS
— 02 · Strategy studio
Design. Test. Deploy.
A no-code studio where your risk team designs lending strategies, tests them on your own past applications, and rolls them out only when the numbers are clear.
Indirect Auto · Strategy v15
scienaptic.studio · 4 nodes changed · drafted by Maria.O
v14 · LIVE
v15 · SHADOW · 72 hr
Promote
Trigger
LOS application
Member 360°
9 sources · waterfall
Fraud rules
7 signals
Underwriting model
CU-IndAuto-v14
Pricing
Risk · yield calibrated
CHALLENGER v15
Shadow · 72h · 14,310 apps
Counter-offer
Term · LTV adjust
AAR · adverse action
Member-grade reasons
Tested on
2.4M
Of your past applications
More approvals
+4.2 pts
At the same risk level
Lower losses
-11bps
Modeled on your portfolio
Build by clicking, not coding. Drag and drop rules, branches, and guardrails your risk team can read.
Test before you ship. Replay any new strategy against your own past applications and see the lift and the loss it would have produced.
Run challengers in shadow. Try new strategies on live traffic without changing a single member decision until the evidence is in.
Maker, checker, audit. Every change is approved, version-controlled, and logged. Nothing goes live without the right sign-off.
— 03 · Adapted to your context
Adapted to your context. Tested on your book.
Not a generic risk score with a credit union sticker on it. Modern AI that learns your portfolio, gets sharper over time, and explains every decision in plain language.
Scienaptic model · Indirect Auto
Adapted to your portfolio
Live
How well it fits your book
vs. bureau score alone
+92 bps
+62 bps
baseline
What's driving decisions
Explained for every applicant
21%
18%
14%
12%
9%
7%
Fairness tested
Examiner documented
Retrained frequently
Ready to deploy
Self-learning. Always current.
The platform learns your portfolio, builds the model that fits, and keeps it sharp with frequent retraining. Your risk officer picks the model. The platform handles the math.
Trained on your portfolio. Tuned for your members
Retrained frequently so the model stays sharp as your book changes
Every decision comes with its top reasons, in plain language
Fairness checks built into every model, before it goes live