Founded in 2014, Scienaptic AI was built with a mission to drive financial inclusion at scale through AIdriven credit decisioning. The platform encapsulates over 200 years of combined credit risk expertise and a decade of technological innovation, integrating diverse data sources, advanced machine learning algorithms, and comprehensive risk and fair lending monitoring processes. Scienaptic’s AI platform supports over 150 lenders by enhancing underwriting accuracy and efficiency. Scienaptic’s credit decisioning experience spans financial institutions collectively managing $3.9 trillion in assets. The platform processes over 3 million credit decisions each month, evaluating loan applications worth more than $3 billion. This enables over a million underserved individuals monthly to access credit opportunities that were previously out of reach. As a result of tremendous interest in AI, the company has grown by 2000%+ over the past three years.

AI-driven credit decisioning leverages next-gen machine learning algorithms to analyze both traditional and alternative credit data, uncover hidden patterns, and automate workflows for more intelligent, more inclusive lending decisions. Scienaptic AI’s platform enables lenders to assess 90%+ of individuals without traditional credit histories while managing risk responsibly. It helps approve up to 40% more members and increases approval rates for protected classes by 45%+. With 60-80% of decisions automated, credit unions enhance efficiency while improving member experiences. Seamlessly integrating with Loan Origination Systems (LOS), the platform ensures compliance, reduces risk, and delivers 10-50X ROI, enabling scalable, inclusive growth.

An AI-driven underwriting platform operates by integrating advanced machine learning and automation into a credit union’s lending process, functioning as a bolt-on to the existing Loan Origination System (LOS). It analyzes traditional and alternative credit data (e.g., bureau attributes, income patterns, transaction behavior) to assess creditworthiness comprehensively. The platform enables faster, more precise, and personalized lending decisions, helping credit unions approve more members— including those with thin credit files—while maintaining portfolio health. By automating underwriting it accelerates decision-making and ensures consistency. Continuously refining its models with performance data, the platform keeps credit unions adaptive to evolving member needs and market dynamics. As a plug-and-play solution, it empowers credit unions to scale lending, enhance member experiences, and promote financial inclusion.

Scienaptic AI integrates seamlessly into credit union processes within 6-8 weeks, leveraging a tried-andtested deployment toolkit to ensure smooth and efficient implementation. The platform’s deployment process is designed to minimize disruption, with Scienaptic’s team handling the heavy lifting. This includes mapping the credit union’s data, configuring decision workflows, and validating AI models to align with the institution’s specific lending policies and goals. The streamlined approach incorporates rigorous testing and end-to-end support, ensuring that the platform is operational and delivering measurable outcomes as soon as it is live.

Unlike competitors that offer generic custom scores, Scienaptic delivers highly contextualized, tailored, and dynamic credit decisions by integrating best-in-class scores, member relationship data, alternative data, and advanced risk analytics. Scienaptic’s models adapt to each credit union’s risk appetite, growth goals, and member segments, ensuring superior risk differentiation, 7x more precise than traditional methods. With proprietary, regulatory-compliant algorithms trained on 400 million+ records, credit unions gain a holistic, datadriven view of their members. Beyond loan approvals, Scienaptic’s AI powers member lifecycle management, enabling prequalification, cross-sell strategies, and longterm engagement. Over 1.5 million lifecycle decisions have been executed, with more than a third of clients leveraging these capabilities. The platform also enhances financial inclusion, scoring 90%+ of thin- or no-file members and increasing approvals for protected classes by 30-50%.

You can learn more about Scienaptic AI by contacting consult@myleverage.com.