Scienaptic AI Information

Scienaptic Global is a subsidiary of Scienaptic AI, a New York–headquartered leader in AI-powered credit decisioning. Scienaptic AI serves financial institutions across the United States. Scienaptic Global caters to markets outside the US, carrying forward the same mission — to drive financial inclusion at scale through AI-driven credit decisioning. The platform encapsulates a decade of technological innovation, integrating richer data, advanced machine learning, and rigorous risk and fair-lending monitoring into every decision. Trusted by some of the world’s largest microfinance institutions, major banks, leading NBFCs, and fintechs, Scienaptic processes over 5 million credit decisions each month, evaluating loan applications worth more than ₹40,000 crore and enabling access to credit for over 3 million underserved individuals monthly—many with limited or no credit history. These include personal loans, credit cards, vehicle loans, MSME loans, and MFI loans. Scienaptic’s Credit BRE platform places robust, configurable underwriting capabilities in the hands of lending teams. Today, more than 150 lenders rely on Scienaptic to enhance the accuracy and efficiency of their underwriting and to expand access to responsible credit.