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People Driven Credit Union has partnered with Scienaptic AI to enhance its member onboarding process using AI-powered credit decisioning, as announced on August 26, 2025. This collaboration leverages Scienaptic’s platform to deliver personalized, pre-qualified financial product offerings, strengthening member relationships from day one.
People Driven Credit Union, a Michigan-based institution founded in 1928, has integrated Scienaptic’s AI platform to assess new members’ financial profiles instantly upon opening a deposit account. The platform generates tailored offers, such as auto loan refinancing or premium rewards credit cards, which members can accept immediately. “We’re revolutionizing how we serve members from the moment they walk through our doors,” said Emily Roberts, COO at People Driven Credit Union. This approach ensures members access relevant financial solutions without multiple visits.
Scienaptic’s platform, live at People Driven since May 2023, leverages advanced machine learning to analyze credit eligibility in real time, integrating with MeridianLink’s Consumer Loan Origination System. Initial tests showed 30-40% auto-approval rates and a 10-15% increase in overall approvals, streamlining lending operations. “This isn’t about pushing more products—it’s about recognizing what members actually need,” said Eric Steinhoff, EVP of Client Impact at Scienaptic AI.
The credit union industry, managing $2.3T in U.S. assets (2024, NCUA), faces pressure to enhance member experiences amid digital transformation. Scienaptic’s platform, used by 150+ lenders handling $3.9T in assets, supports financial inclusion by enabling 1.3M underserved individuals monthly to access credit. Its 2,000% growth over three years and strategic investments from 10 credit unions in September 2024 highlight its market traction.
People Driven, serving over 27,000 members, builds on its 2023 adoption of Scienaptic’s underwriting platform to now offer bundled products, aligning with its mission to evolve with members’ needs. “We’re turning every interaction into an exciting opportunity,” Roberts added. The partnership positions People Driven to compete with fintechs like SoFi, leveraging AI to deliver personalized, compliant solutions.
Founded in 2014, Scienaptic AI was built with the mission to drive financial inclusion at scale through AI-driven credit decisioning. The platform encapsulates a decade of technological innovation, integrating more data into decision-making, leveraging advanced machine learning algorithms, and supplementing them with rigorous risk and fair lending monitoring processes. This enables financial institutions to reach more borrowers—including underbanked and underserved individuals—and say “yes” more often without increasing risk.
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