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Centris Federal Credit Union to Deploy Scienaptic’s AI-Powered Credit Decisioning Platform

Incorporating AI into Strategic Roadmaps Of Credit Unions


Dec 15, 2021

Leading global AI-powered credit decision platform provider, Scienaptic AI announced that Centris Federal Credit Union has selected its AI-powered platform. The implementation will equip the credit union with enhanced underwriting capabilities to make stronger, faster credit decisions and strengthen financial options for its members.

Established in 1934, Centris Federal Credit Union, was founded by the employees of an Omaha Telephone company. In the 87 years of its service, the credit union has grown from $35 in deposits from seven members to $663 million in asset size with more than 115,000 members. Centris serves Douglas, Sarpy, Lincoln and Pottawattamie counties and has 15 offices located in Omaha, Grand Island and North Platte, Nebraska and Council Bluffs, Iowa. The credit union offers a bouquet of financial services including personal finance, auto loans, mortgages, payroll services and business loans. By employing Scienaptic’s platform the credit union is positioned to offer enhanced, automated credit decisions to help increase credit availability for its members.

“From the day our credit union was established, financial well-being of our members has been our mission. At Centris, we aim to provide our members and community with the highest quality financial products,” said Rick Pratt, Chief Credit and Risk Officer of Centris. “Deploying Scienaptic’s AI- platform will ensure that members are provided with industry-leading underwriting capabilities and enhanced access to credit. It will empower our members, enhance their experience, reduce loan decisioning time, automate lending processes and minimize our risk while doing so.”

"We are pleased to be working with Centris Federal Credit Union and offer them our industry leading credit underwriting technology,” said Pankaj Jain, President, Scienaptic. “Scienaptic’s platform will not only help Centris offer a better experience to their existing members but also help them to grow their member base by saying ‘yes’ to more borrowers.”

About Scienaptic

Scienaptic is on a mission to increase credit availability by transforming technology used in credit decisioning. Over 150 years of credit experience is embedded in Scienaptic's AI native credit decision platform. Our clients across banks, credit unions, fintech, and other lenders use the platform to constantly improve the quality of underwriting decisions. This enables them to say ‘yes’ to borrowers more often and faster.

The platform is used by lenders with assets exceeding $100 billion, enabling them to process over $22 billion in credit decisions, benefitting over two million credit union members and millions of borrowers across banks, auto and online lenders.

For more information, visit

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