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Scienaptic AI, a New York-based leader in AI-powered credit decisioning, announced the expansion of its Credit Union Service Organization (CUSO) with strategic investments from three new credit union clients: Patriot Federal Credit Union, Wolverine State Credit Union, and Meridian Trust Federal Credit Union. Additionally, Credit Union of Colorado, a founding partner, doubled its investment. This brings the total number of CUSO partners to 13, reinforcing Scienaptic’s mission to enhance financial inclusion through AI-driven lending.
Announcement: Scienaptic AI CUSO adds three new investors, announced September 8, 2025.
New Partners: Patriot Federal Credit Union, Wolverine State Credit Union, Meridian Trust Federal Credit Union.
Total Partners: 13, including ELGA, Wildfire, 4Front, CoVantage, People Driven, Alliance Catholic, Partner Colorado, Advantage One, and Michigan Credit Union League.
Impact: Expands AI use across member lifecycle—pre-qualification, onboarding, fraud detection, underwriting, and perpetual offers.
Platform Reach: Supports 150+ lenders, processing 3M monthly credit decisions worth $3B, enabling 1.3M underserved individuals to access credit monthly.
Client Testimonial: Leaders from new investors and Credit Union of Colorado praise smarter, equitable lending.
The addition of Patriot Federal, Wolverine State, and Meridian Trust Federal Credit Unions, alongside Credit Union of Colorado’s increased stake, signals growing adoption of Scienaptic’s AI platform. The CUSO, now with 13 partners, includes:
ELGA Credit Union, Wildfire Credit Union, 4Front Credit Union, CoVantage Credit Union, People Driven Credit Union, Alliance Catholic Credit Union, Partner Colorado Credit Union, Advantage One Credit Union, and Michigan Credit Union League.
These credit unions leverage Scienaptic’s platform across the member lifecycle, from pre-qualification and onboarding to fraud detection, underwriting, perpetual offers, and early warning systems. This holistic approach enhances lending accuracy, efficiency, and inclusivity.
“Scienaptic AI has transformed our approach to lending, enabling smarter, more equitable decisions while effectively managing risk,” said Mark McCoy (Patriot Federal), Nick Montie (Wolverine State), Mike Martin (Meridian Trust), and Chad Wilcox (Credit Union of Colorado) in a joint statement. “This is about making sure credit unions stay strong, relevant, and ready for the needs of today and tomorrow.”
Pankaj Kulshreshtha, Founder and CEO of Scienaptic AI, added, “These investments validate our shared vision of financial empowerment through AI and the impact it is already having on lending.”
Scienaptic’s AI platform, used by over 150 lenders managing $3.9T in assets, processes 3 million credit decisions monthly, evaluating $3B in loan applications and enabling 1.3M underserved individuals to access credit each month. Key features include:
Advanced Underwriting: Integrates diverse data sources and machine learning for precise decisions.
Fraud Detection: Enhances security with real-time anomaly detection (e.g., FraudShield).
Regulatory Compliance: Ensures fairness with disparate impact analysis and NCUA audit compliance.
Recent deployments, like Financial Center First Credit Union and Communication Federal Credit Union, show increased approval rates and streamlined processes.
The AI lending market is projected to grow at a 40% CAGR through 2030, driven by demand for inclusive, efficient credit solutions. Scienaptic’s CUSO, backed by 13 strategic investors, positions it as a leader in this space. Posts on X highlight enthusiasm for AI-driven lending, though some note challenges with integration complexity. The Credit Union of Colorado’s use of Scienaptic’s platform approved an additional $40M in loans, showcasing real-world impact.
Founded in 2014, Scienaptic AI, headquartered in New York, drives financial inclusion through AI-powered credit decisioning. Its platform, combining 200 years of credit risk expertise with advanced machine learning, supports 150+ lenders, enhancing underwriting accuracy and efficiency.
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