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SCIENAPTIC SYSTEMS PTE LTD
About the Organisation
Founded in 2014, Scienaptic AI was built with a mission to drive financial inclusion at scale through AI-driven credit decisioning BRE. The platform encapsulates a decade of technological innovation, integrating more data into decision-making processes, leveraging advanced machine learning algorithms, and complementing them with rigorous risk and fair lending monitoring. Used by some of the largest microfinance institutions (MFIs), major banks, leading non-banking financial companies (NBFCs), and prominent fintechs, Scienaptic processes over 5 million credit decisions every month, evaluating loan applications worth more than $4.4 billion monthly, enabling over 2 million underserved individuals each month with limited or no credit history to access personal loans, credit cards, vehicle loans, MSME loans, and MFI loans. Scienaptics credit BRE platform puts robust underwriting capabilities at the fingertips of in-house underwriting teams. Today, more than 150 lenders rely on Scienaptics platform to enhance the accuracy and efficiency of their underwriting.
Products and Services
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AI-driven credit decisioning platform
Scienaptic AI empowers lending teams with a robust, highly configurable Credit Business Rules Engine (BRE) platform combined with AI/ML models, putting intelligent, precise underwriting capabilities directly in the hands of lenders. Trusted by 160+ financial institutions globally, including some of the world's largest microfinance institutions, major banks, leading NBFCs/NBFIs, and fintechs, Scienaptic AI processes over 5 million credit decisions every month. This enables access to responsible credit for over 3 million underserved individuals monthly, many with limited or no credit history. From personal loans and credit cards to vehicle, MSME, and MFI loans, Scienaptic's platform delivers end-to-end, AI-powered credit lifecycle intelligence. Built on a decade of technological innovation, it integrates richer data sources, advanced AI/ML models, and rigorous risk and fair-lending monitoring into every credit decision.
