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Self-learning AI for credit decisions.

Credit decisioning engine powered by Alternate data and AI models.

New customer underwriting


Early warning system



Pre-built AI models
on alternate data.

  • Banking


  • Financials


  • Bureau


  • GST


  • ITR


  • SMS / Device Scorecards

Approve more at

lower NPAs

Flexible decisioning engine to 

Test-and-learn real time

  • Track vulnerable segments

  • Champion Challenger

  • Risk-based limit/price optimization

  • Simulations / What-if analysis

  • Top risk drivers for every application

Move to advanced decisioning in

8 weeks

Case Study

Accelerate profitability and growth in unsecured loans using Bureau AI model, Alternate data, Decisioning engine

Case Study

SME credit risk decisioning for NBFC using Bureau, Income tax data, GST filing info

Case Study

Setup credit decisioning program for e-commerce lender by leveraging POS data

Feb 12, 2021

Changing lives with AI: Magma Housing Finance begins its AI journey on Scienaptic platform

Nov 12, 2020

Empowering children's future: Varthana and Scienaptic partner to transform school loan access

Oct 22, 2020

Empowering SMEs with timely credit through alternative data driven underwriting

Scienaptic Systems Inc.

753, 22nd Cross, 20th Main, 2nd Sector, HSR Layout, Bengaluru, Karnataka - 560102

Ph: +91 78995 11270

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