Happy Family

Enhance member lives with more credit

20-40%

more approvals

60-80%

faster decisions

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While traditional lenders have tightened their belts, we are tightening our credit strategies and investing in new, long-term initiatives to grow member relationships. The use of Scienaptic's AI-powered credit decisioning platform will help us maintain this strong commitment to member centricity and growth.

Kevin Willborn

VP of Consumer Lending at Gesa Credit Union

Supercharge your underwriting with the world’s leading automated
AI-powered credit decision technology 

Use wider & deeper data smarter

Deploy & evolve explainable AI models with ease

Faster G2M with new test & learn credit strategies

Make sharper credit decisions for improved Look to Book

15-40%

Robust
solutions
through
the cycle

Step in to support members

Conserve member capital

  • Recommend the right products and limits

  • Get automated fast approvals for deserving members

  • Reduce credit extension with precision

  • Use our Resiliency Score to fine-tune portfolio

Support members during stressful, uncertain times

Our resiliency scorecards look at data from last recession, local natural calamities
(e.g. Katrina, Harvey, Sandy, California wildfires) to identify members and
businesses that are more susceptible in a stress scenario. 

Hosted SaaS model reduces capex for

Credit Unions

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Whitepaper

Scienaptic Borrower
Stability Index

Case Study

Delivering growth, lending automation and better member experience for a leading credit union

Blog

Reimagining auto loans: The opportunity ahead for credit unions