Fintech
BRE with alternate data and instant lender recommendation
Whitepaper
Maximize Lending Partner Commission Using smart analytics and advanced Decisioning Engine (BRE)
NBFC
AI Credit Decision Engine for instant underwriting, higher approvals and lower defaults
Whitepaper
Digital Underwriting BRE for Faster Decisioning, Higher Approvals, and Lower Risks
MFI
Decision Engine to automate MFI underwriting and get higher wallet share with cross-sell
Whitepaper
AI-enabled automated credit BRE for MFIs
Fintech
BRE with
alternate data
and instant
lender recommendation
Whitepaper
Maximize Lending Partner Commission Using smart analytics and advanced Decisioning Engine (BRE)
Trusted by 150+ lenders across 7 countries
NBFC
AI Decision Engine for instant underwriting, higher approvals and lower defaults
Flexible Business Rule Engine (BRE)
for credit decisions
Multi-bureau connector and Integrated 3rd party APIs
Rapid simulation, back-testing and experimentation
UI based interface to manage rules
Digital risk assessment
for new customers
Pre-built underwriting journeys for all unsecured PL/BL & LAP
One click integration of full-suite of onboarding and KYC APIs
AI/ML models accurate risk segmentation
Full lifecycle solution
Pre-approvals and up-sell/ cross-sell
Real-time underwriting
Early warning signals
Don’t take our word for it.
Discover how Manish Jaiswal, MD and CEO at Grihum Housing Finance Ltd, is harnessing AI powered credit rule engine to optimize lending strategies, increase approval rates, and enhance customer experience.
AI in action
Scienaptic AI Bridges Credit Gap Through Its Credit Decisioning Platform
The Scienaptic platform is used by lenders with assets exceeding $100 billion, enabling them to process over $22 billion in credit decisions, benefitting over 2 million credit union members and millions of borrowers across sectors like banks, auto, and online lenders. This credit decisioning platform will help DMI, a technology-first and innovative digital finance company, to expand its reach to underserved customers, increase credit availability, and expand its customer base.
Case study
Enabling Affordable Home financing with Intelligent Credit Decisioning BRE
Being in the affordable housing segment, the client had a customer base that is economically mid-to bottom of the pyramid and has very little standard documentation which could be used to make credit decisions. 40% of their customer base were either unserved or underserved, having a thin or no bureau footprint.
NBFC
AI Decision Engine for instant underwriting, higher approvals and lower defaults
Fintech
BRE with alternate data and instant lender recommendation
Flexible decision
engine (BRE)
Flexible UI-based decisioning engine with one-click deployment of ML models
Smart lender
recommendation
Instantly recommend best lending partner to maximize fintech commissions
Alternate
data APIs
Data ingestion and enrichment (Multi-bureau, Account Aggregator, SMS, GST,...)
Plug-n-play
AI models
Databank of 1000+ highly risk predictive ratios and market-tested AI/ML models
Scalable, secure architecture
Auto-scalable architecture using Kubernetes; SaaS or On-prem deployment
Don’t take our word for it.
Discover how Nitin Gupta, the Founder and CEO at Uni Cards, is harnessing AI powered credit rule engine to optimize lending strategies, increase approval rates, and enhance customer experience.
AI in action
Modern age cards through modern age AI: Uni Cards to deploy Scienaptic’s AI-powered credit decisioning platform
Through Scienaptic’s AI-powered credit decisioning platform, Uni Cards can process traditional and alternate data streams of customers and provide instant decisioning. Scienaptic’s platform provides flexible configurations to handle diverse and changing decisioning flow requirements as Uni Cards’ business scales up and offers a multitude of test-and-learn simulation options to run rapid experiments. This will allow Uni to launch and adapt products faster, catering to the changing needs of new customer segments.
Case study
Launching a new credit product for a leading new-age NBFC Fintech
The client is a new-age fintech company that aims to bring a range of differentiated credit products to Indian consumers. Their first credit product was a new-age credit card that makes it easier for underserved consumers to manage repayments. It is currently present in 81 cities across India, including Delhi, Mumbai, Hyderabad, Bengaluru, Pune, Chennai, Kolkata, Ahmedabad, Lucknow, and Jaipur.
NBFC
AI Decision Engine for instant underwriting, higher approvals and lower defaults
MFI
Automate MFI underwriting and get higher wallet share with cross-sell
Cross-sell to IL, LAP, two wheelers, MSME loans
Automated underwriting in under 3 minutes
Line top-ups for deserving customers
Early warning signals for collection
Use AI/ML to increase approvals and reduce losses
Don’t take our word for it.
Discover how Firoz Anam, the Chief Risk Officer at Credit Access Grameen, is harnessing the power of Artificial Intelligence to revolutionize lending practices, increase approval rates, and enhance customer experience.
AI in action
Credit Access Grameen Ltd. Chooses Scienaptic's AI-Powered Credit Decisioning Engine to Strengthen Loan Underwriting
Leading global AI-powered credit decisioning platform provider Scienaptic AI announced today that the largest microfinance institution (MFI) in India, CreditAccess Grameen Limited (CA Grameen) has chosen to implement its platform to underwrite loan applications.
Case study
Transforming Loan Underwriting Automation for a Leading MFI NBFC
A top microfinance institution (MFI) non-banking financial company (NBFC) faced the challenge of processing 2 million credit applications per month. To manage this high volume and provide a very fast turnaround time (TAT) to customers, they needed a scalable system with specific capabilities.