.jpg)
Algebrik AI, developer of the world's first cloud-native, AI-powered Loan Origination System (LOS), has announced a strategic partnership with Scienaptic AI, a leading AI-powered lending platform. This integration embeds Scienaptic AI's signals for credit underwriting, fraud prevention, pre-qualification, onboarding, perpetual offers, and early warning directly into Algebrik's LOS, streamlining workflows and enhancing member experiences for credit unions.
Algebrik AI integrates Scienaptic AI signals into its cloud-native LOS.
Enables seamless credit underwriting and fraud prevention in lending workflows.
Supports pre-qualification, onboarding, and lifecycle decisioning.
Designed for credit unions with minimal IT overhead and single-system operation.
Available immediately to all Algebrik users for faster, inclusive decisions.
Aims to reduce risk and accelerate growth through data-driven intelligence.
The partnership focuses on real-world lending processes, allowing Scienaptic AI decisions to trigger at key workflow stages—from pre-qualification to funding and account servicing. Application data, bureau information, and lender inputs flow securely to Scienaptic AI, returning outcomes like approvals, conditions, and next steps directly to Algebrik. This keeps staff within a unified system of record, reducing fragmentation and shortening cycle times.
Algebrik users gain native touchpoints for Scienaptic AI signals across credit decisioning stages, including prescreen, fraud screen, cross-sell, upsell, and renewals. Decision results appear in lender views and tasking for quicker resolutions. Configuration, including integration keys and policy mappings, occurs within Algebrik's console without custom IT builds. The setup flexes for existing Scienaptic AI users or new adopters, with governed data flows via secure APIs and audit trails.
Members benefit from faster decisions, fewer interactions, and consistent outcomes across mobile, web, and branch channels. Lending teams achieve operational efficiency, scaling capabilities, and a member-centric approach. This integration supports credit unions in approving more members responsibly while mitigating risk.
"Lenders want modern workflows without adding operational complexity," said Pankaj Jain, Founder & CEO of Algebrik AI. "By bringing Scienaptic AI decisioning directly into Algebrik's cloud-native LOS, we're helping institutions move faster and deliver a smoother member experience-inside the system they already use to run lending."
"Our mission is to make AI-powered credit decisioning simple and accessible for every lender. With our signals now embedded directly into lending workflows, credit unions can say 'yes' to more members, reduce risk, and accelerate growth through responsible, data-driven intelligence," said Pankaj Kulshreshtha, Founder & CEO of Scienaptic AI.
The integration is now available to all Algebrik users, providing immediate enhancements to underwriting, fraud prevention, and decisioning capabilities within the LOS.
Algebrik AI, headquartered in New York City, is the company behind Algebrik One: the world's first cloud-native, AI-powered, digital-era Loan Origination Suite (LOS), designed for the next generation of members. In an industry that hasn't seen significant innovation in lending technology in over 25 years, it was high time someone stepped in to help credit unions of all sizes regain their former glory.
Algebrik AI's mission is to empower credit unions to attract, engage, grow, and retain next-gen members while staying competitive in today's digital era. With Algebrik One, an end-to-end lending suite that includes Digital Account Opening, Lender's Cockpit (LOS), Omni-channel Point of Sale (PoS), AI Decision Engine, and Portfolio Analytics, we take on the heavy lifting; so credit unions can focus on helping the members and communities they serve.
TechIntelPro empowers B2B technology decision-makers with the latest industry trends, deep insights, leadership perspectives and actionable intelligence to drive both organizational and professional milestones—and thrive on the tech pulse.