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Guardian Credit Union Leads the AI Revolution with Scienaptic's Advanced AI-Powered Credit Decisioning Platform

Incorporating AI into Strategic Roadmaps Of Credit Unions



Feb 13, 2023

Leading global AI-powered credit decision platform provider,Scienaptic AI, announced today that Guardian Credit Union has chosen to implement its AI-powered credit decisioning platform. The credit union will be leveraging Scienaptic’s fair, inclusive, and compliant AI platform to increase automation, lend deeper, and enhance member experience.

Guardian Credit Union was founded in 1958 to provide savings and loan accounts to members of the Alabama National Guard and their families. Over the years, the credit union has enjoyed steady growth and expanded its membership to 82,00+ members with $786M in assets. Today, the credit union is a full-service financial institution serving the financial needs of individuals, families and businesses in 13 counties across Alabama.

“We at Guardian continuously work to find new and innovative ways to provide financial services that not only meet members’ needs but also exceed their expectations,” said Heath Harrell, CEO of Guardian Credit Union. "With the addition of Scienaptic's AI credit decisioning technology, we are looking to unlock new opportunities and recreate the lending process for our members. The addition of this platform provides a new financial resource for the entire community to benefit from. We are looking forward to seeing the impact that this will bring.”

Correspondingly Pankaj Jain, Cofounder and President of Scienaptic AI said, "We are incredibly thrilled to announce that Guardian Credit Union is adopting our AI-powered credit underwriting platform. Our cutting-edge platform will empower Guardian Credit Union to revolutionize its lending process, enhance risk assessment capabilities, increase credit access and offer a faster, more efficient, and fairer credit experience to its members. We are excited for the future and the impact our platform will have on the communities of Alabama!"

About Scienaptic AI

Scienaptic AI’s mission is to increase credit availability across the globe by transforming the technology used in credit decisioning. Credit unions, auto lenders, banks, and fintechs, use Scienaptic's AI native credit decisioning platform to continually improve the quality and speed of their underwriting decisions.

The platform enables FIs to reach more borrowers, including underbanked and underserved individuals, and say “yes” more often without increasing risk. It democratizes automated AI-powered lending while addressing all regulatory requirements, including Fair Lending and explainable adverse actions.

Scienaptic-enabled lenders have processed more than 300 million transactions, benefitting millions of borrowers. For more information, visit

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