Case Study
Enhancing member lives and experience using AI powered credit decisions
The credit union was keen to expand credit access for its members and improve their experience. The current process had multiple manual touch points.
Whitepaper
Scienaptic Borrower
Stability Index
The COVID-induced economic downturn means that traditional through-the-cycle models are drifting from expected paths, with risk models underpredicting outcomes...
Case Study
AI powered underwriting for a leading SMB lending bank in India
Our client, a leading SMB lender was experiencing slow growth owing to blunt credit instruments that heavily relied on bureau scores.
Case Study
Sharper credit decisioning process to accelerate profitable portfolio growth
Our client, a leading financial institution was experiencing increased delinquencies, resulting in credit losses and high operational costs on collections.
Case Study
Detect Account Takeover Fraud Using AI
One of our major banking clients in the US was seeing significant uptick in ATO (Account Take Over) fraud losses. There was a need for a platform which could help them detect fraud early and accurately...
Whitepaper
A practitioner’s
note on forecasting Retail Credit Losses
Accurate and reliable forecasting of the Credit Losses has always been a subject of critical focus in Retail portfolio Risk management- in literature and bank’s practices alike.
Case Study
Strengthening lending portfolio of US-based auto lender using AI
Known auto lender providing in-house financing and multiple used car financing programs. Majority applications manually reviewed.
Case Study
Delivering growth, lending automation and better member experience for a leading credit union
A leading credit union was looking for an automated digital decisioning system for consumer loans to drive growth and deliver better member experience.
Case Study
AI powered treatment strategies for a US based global bank
AI powered predictive analytics for better delinquency treatment. A case study on how Scienaptic AI platform delivered lower delinquency, cost and attrition.
Case Study
Forecast better, faster, at scale with advanced ML techniques
A leading US bank was unable to accurately forecast aging losses due to underestimation of realizations, observing over 16% variance to actuals.
Whitepaper
Using AI & ML to detect first party fraud
First party fraud occurs when customers apply for credit with an explicit intention
to not pay back. Such customers often use fabricated information (including
contact details) at the time of application.
Case Study
Reviving lending growth for a Credit Union using AI
Credit Union expectations was to increase underwriter ’s efficiency by lowering the volume of application for manual review and Incremental lift in approval rate
Case Study
Growing SMB lending portfolio using AI powered underwriting platform
Our client, a large bank, was experiencing increased delinquencies, and was unable to grow their business lending portfolio without increasing risk
Trends
Bridging the Data Gap
The credit industry and the needs of borrowers have evolved rapidly in the past decade.
Case Study
How we are driving a robust credit program for a leading e-retailer
The overall opportunity of this engagement lay in our ability to rebuild and enable the client to drive credit adoption and a sound decisioning process...
