AI Credit Decisioning Platform

Automated AI-Powered Credit Decision Technology

Allied has partnered with Scienaptic to help you confidently expand credit access through AI-powered risk predictions and automated underwriting. The platform integrates more data into your decision-making, utilizes advanced machine learning algorithms, and is reinforced by rigorous risk and fair lending monitoring processes. 

Key Benefits

• Score over 90% of individuals without traditional credit histories.
• Approve up to 40% more members.
• Increase approval rates by over 45% for protected classes.
• Automate 60-80% of lending for more effcient operations. 
• Achieve a 10-50x return on investment.
• Leverage inbuilt lifecycle decisioning for fraud detection, cross-sell, up-sell, line management, bundled offers, early warning signals, and more. 

Today, over 145 lenders rely on Scienaptic's platform to enhance the accuracy and effciency of their underwriting decisions. To date, the platform has processed over $76 billion loan applications, enabling millions of underserved individuals to access credit that was previously out of reach. 

In September 2024, Scienaptic's CUSO received strategic equity investments from six credit unions clients, underscoring the transfromative power of its platform.