Scienaptic AI announced an integration with Temenos, a global leader in banking technology. Credit unions using the Temenos Loan Origination Solution (LOS) can now access Scienaptic's AI-driven decisioning directly within their existing loan origination workflows, enabling faster decisions, deeper insights, and more inclusive lending.
Integration brings Scienaptic AI decisioning natively into Temenos LOS environment.
Temenos has over 950 core banking and 600 digital banking customers globally.
Scienaptic platform processes over 3 million credit decisions monthly, evaluating $3 billion+ in loan applications.
Enables over 1.7 million underserved individuals monthly to access credit opportunities.
Scienaptic CUSO backed by 17 strategic investors.
Company expanded by over 2,000% in past three years.
The integration brings Scienaptic AI's decisioning signals natively into the Temenos environment, streamlining implementation for credit unions. Scienaptic has already deployed its platform at several credit unions using Temenos' LOS, with results showing measurable improvements in approval rates and decision speed. Credit unions using the integration can now access AI-driven decisioning directly within their existing loan origination workflows.
Scienaptic's latest innovation, iCUE (Intelligent Credit Underwriting Experience), integrates large language models and agentic AI into the credit decisioning platform, combining predictive intelligence with conversational capability to put humans back at the center of lending. The Scienaptic AI platform plays a vital role in supporting over 150 lenders by enhancing lending accuracy and efficiency, spanning financial institutions collectively managing $3.9 trillion in assets.
As Patrick McElhenie, Chief Growth Officer at Scienaptic AI, stated: "Credit unions have always wanted to say yes to more members. They just needed the data and decisioning to do it confidently. This integration puts that capability directly inside the Temenos workflow. No rip and replace. No long implementation. Just better decisions, faster."
Chad Wilcox, SVP of Lending at Credit Union of Colorado, added: "At Credit Union of Colorado, we are always looking for ways to improve our members' experience and access to credit. The combination of Temenos and Scienaptic allows us to respond faster, lend more confidently, and provide greater financial access to those who need it most."
Rodrigo Silva, President – Americas, Temenos, said: "Temenos is committed to helping financial institutions deliver better outcomes for their customers. This integration with Scienaptic AI brings powerful intelligence into the credit decisioning process, empowering institutions in the US to lend with greater confidence, speed, and inclusivity."
About Scienaptic AI
Scienaptic AI was founded in 2014, 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. In September 2024, Scienaptic's Credit Union Service Organization (CUSO) received strategic equity investments from its clients, today backed by 17 strategic investors. Scienaptic has been recognized as one of the most innovative and fastest-growing companies in financial technology, named to the Deloitte Technology Fast 500 list for 2025 and included in the CB Insights Fintech 100 list.
About Temenos
Temenos is a global leader in banking technology. Through our market-leading core banking suite and best-in-class composable solutions, we are modernizing the banking industry. Banks of all sizes utilize our adaptable technology – on-premises, in the cloud, or as SaaS – to deliver next-generation services and AI-enhanced experiences that elevate banking for their customers.
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