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ZeroPay Goes Live With Scienaptic’s AI-Powered Credit Decisioning Platform

Incorporating AI into Strategic Roadmaps Of Credit Unions


Jan 17, 2022

Leading AI-powered credit decisioning disruptor Scienaptic announced that ZeroPay is now live on its platform. The platform will enable ZeroPay to make very accurate credit decisions and limit assignment in the Buy Now, Pay Later (BNPL) segment.

Launched by Acharya group, ZeroPay is an OTT-based BNPL fintech start-up seeking to change consumer credit with its cutting-edge technology platform which allows customers to shop anywhere and pay in easy EMI at Zero interest, Zero penalty and Zero late fees. ZeroPay plans to scale exponentially and help consumers in small ticket payments for everyday usage like grocery purchases, restaurants and online shopping.

“Scienaptic is our strategic partner and is helping us build the right risk scorecards, decisioning strategy and credit limit based on risk assessment with a platform to execute decisioning in real-time,” said Krishna Basani, CEO of ZeroPay. “This platform will allow us to make loan decisions and approve credit faster and in larger volumes, while managing our risk.”

“BNPL is one of the hottest growth products in consumer lending in India and Scienaptic has a ton of experience in this segment, supporting some of the largest e-commerce and marketplace players over the past three years,” said Joydip Gupta, APAC Head, Scienaptic. “We hope to bring our experience in the form of our underwriting models and our decisioning platform to help ZeroPay scale up to market leadership position, while maintaining a very healthy portfolio quality.”

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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