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AI and alternate data come together: Scienaptic partners with MicroBilt

Incorporating AI into Strategic Roadmaps Of Credit Unions



Dec 10, 2020

Scienaptic announced today the formation of an alliance with MicroBilt that enables Scienaptic to seamlessly integrate alternative credit data into its credit decisioning platform. The partnership will enable financial institutions to combine cutting-edge alternative data and predictive tools that help them expand their loan portfolios.

Lenders largely rely on credit-bureau data such as utilization, delinquency, and credit inquiries to determine consumer riskiness. However, a bureau score is not the only indicator of a person's financial stability or ability to repay. Scienaptic platform combines MicroBilt's FCRA-compliant alternative data with bureau data to deliver superior predictive power.

"Smarter decision engines, ML and alternate data are radically changing credit underwriting. Through this partnership we will integrate a wider range of non-traditional data into our platform for a 360-degree creditworthiness assessment. It will help lenders attract prospects that were previously off the map and lend profitably" said Mark, Head of Strategy at Scienaptic.

"This partnership represents a pathway for financial institutions to grow portfolios while doing so at reduced risk. High-quality, cost-efficient consumer credit data will ensure that lenders make better loan decisions for their business," said Walt Wojciechowski, Chief Executive Officer, MicroBilt.

About MicroBilt:

MicroBilt is a pioneer in consumer data and risk management services for nearly 40 years. Delivered through secure APIs and powerful web portals, the company provides a broad array of traditional and proprietary alternative credit data enabling companies and consumers to do business where they couldn't before. Backed by exceptional service, MicroBilt is committed to providing solutions that connect companies to the customers who want to do business with them.

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About Scienaptic:

Scienaptic is the world's leading AI-powered Credit Underwriting Decisioning platform company. Designed by seasoned CROs, its platform is creating industry-leading business impact in terms of lifts such as agile strategy optimization, higher approvals (15-40%), and lower credit losses (10-25%). Scienaptic's clients include Fortune 100 banks, Credit Unions, Alternative lenders, and Fintechs.

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