Scienaptic AI

Agentic AI is changing how financial institutions make decisions, serve communities, and manage risk. But as autonomy increases, so does the responsibility to ensure fairness, transparency, and human oversight. At the American Fintech Council Policy Summit on November 18 in Washington DC, Vinay Bhaskar will lead a roundtable discussion on: The Autonomous Edge: Governing Agentic AI's Leap from Innovation to Accountability. The discussion will explore how fintechs, banks, and credit unions can use agentic AI to expand access and improve outcomes, while building the audit trails, governance frameworks, and examiner readiness needed for responsible deployment. If you are attending, we’d love to have you in the room and hear your perspective. #FintechPolicy #AIinLending #ResponsibleAI #CreditUnions #BankingInnovation #FinancialInclusion #ScienapticAI

Anaheim, we’re on our way! Next week, Scienaptic will be at the America's Credit Unions' Lending Council Conference (November 2–5), joining leaders who are shaping the future of lending. This conference has a way of sparking honest conversations, the kind that move beyond buzzwords and into real strategy for member-first lending. We’re looking forward to connecting with teams who are thinking about smarter decisioning, stronger fraud defenses, and an experience that feels faster and more human at the same time. Credit unions are proving every day that innovation and member care reinforce each other. Thank you, America's Credit Unions, for creating a space where innovation meets lending. If you’ll be in Anaheim, let’s connect. #CreditUnions #LendingLeadership #AI #MemberExperience #CreditUnionCommunity #ScienapticAI

Sometimes the most convincing member on paper isn’t a member at all. Today’s fraud rings are building applicants the same way your best members look in your system: consistent income, clean histories, stable profiles, nothing out of place. They’re engineered to pass every legacy check because they’re designed with those checks in mind. The result is that the profiles that once felt like your safest approvals may now be the ones demanding the closest look. On November 19 at 2:00 PM EST, we’re hosting a session that gets right to the point: “Perfect Scores, Perfect Lies: Why It’s Time to Fight Fraud with AI.” We’ll cover: ✅ Why “perfect” applications may be your biggest risk and the behavioral fingerprints that reveal them ✅ Anomaly signals that separate real members from AI-generated ghosts ✅ How shared intelligence across 500M+ applications stops fraud rings ✅ How AI approves your best members while blocking sophisticated fraudsters ✅ How you can implement modern fraud detection AI in weeks ✅ What early adopters are learning and how it’s reshaping fraud prevention economics Register Now: https://lnkd.in/f5b62Y4 #FraudPrevention #AI #CreditUnions #LendingInnovation #ScienapticAI #Webinar

Fraudsters are using AI to create sophisticated synthetic identities and bypass traditional fraud detection. Legacy tools weren't built for this threat. Our EVP of Client Impact, Eric Steinhoff, breaks down why credit unions need to fight AI-powered fraud with AI-powered defense in his latest CUInsight.com article. Read Eric's insights: https://lnkd.in/gxaf7gYM #CreditUnions #FraudPrevention #AI #FinancialServices

Big news. Big moment. Scienaptic AI has been selected for the CB Insights Fintech 100 list, recognized as one of the top companies transforming the lending industry in 2025. To us, this is more than a badge. It is proof that smarter credit decisions can open doors, spark dreams, and move communities forward. Our partners have shown what innovation looks like when inclusion sits at the center. Thank you to every lender pushing boundaries with us. Together, we are rewriting the future of credit access. The best part? We are just getting started. https://lnkd.in/gDaHj4vg #AI #Credit #CreditUnderwriting #CreditUnions #CUdifference #Fintech #CBInsights #Lending #LendingSolutions #FinancialInclusion

Fintech meets community next week and Scienaptic will be right in the center of it. Our team is heading to Money20/20 and California's Credit Unions + Nevada's Credit Unions REACH 2025. Two events. Two worlds. One shared goal: empowering smarter credit decisions for every member. If you are building the future of lending, we would love to connect and explore how AI is creating new pathways to access credit and strengthen financial lives. #ai #credit #creditunderwriting #lendingsolution #lending #creditunions #financialinclusion

Las Vegas. October 25th. A room full of changemakers. And Scienaptic’s Patrick McElhenie taking the stage. Underground Collision isn’t a typical conference; it’s where challenges get real and solutions get built. Patrick will be joining top industry leaders to discuss the future of lending, shared services, and how credit unions can win big through bold action. If you’re in Vegas for Money20/20, don’t miss it. Mitchell Stankovic and Associates, Money20/20, #credit #ai #creditunions #creditunderwriting #lendingsolutions #lending

It’s one thing to talk about AI. It’s another to witness what it’s actually doing inside credit unions. Mike Lawson’s latest CU Broadcast episode features Brian H. (People Driven Credit Union), Mark McCoy (Patriot Federal Credit Union), Chad Wilcox, CCUE (Credit Union of Colorado), and our Chief Growth Officer, Patrick McElhenie, discussing how Scienaptic AI is helping credit unions approve more loans, faster, without losing sight of fairness or mission. 🎧 Watch the full episode here: https://lnkd.in/gsama4HF

It starts with a familiar story. A loyal member walks into her credit union, applies for a loan, and gets declined. Her credit score says “no.” Her steady cash flow, consistent payments, and years of trust say “yes.” Now multiply that story by thousands. That’s how much value credit unions lose every month, and how many good members slip away unseen. Patrick McElhenie's latest article uncovers what happens when AI helps credit unions look beyond the score and see the full member story. The impact is transformative — higher approvals, fewer losses, faster decisions, and millions in recovered income. Read the full blog - https://lnkd.in/dSvg3-zK   #CreditUnions #FairLending #AI #DigitalLending #CreditUnionGrowth #FinancialInclusion

Fraud isn’t what it used to be. The bad actors aren’t hiding in the shadows anymore; they’re running organized, AI-powered operations that move faster than ever. They create digital identities that look flawless on paper: great credit, steady income, no red flags, and they glide right through traditional fraud checks. For lenders, that’s a wake-up call. “Perfect” may not mean safe anymore. Join us on November 19 at 2:00 PM EST for our webinar, “Perfect Scores, Perfect Lies: Why It’s Time to Fight Fraud with AI.” We’ll unpack how AI can spot what humans and legacy systems can’t, the subtle behavioral and data patterns that expose fraud rings hiding in plain sight. Register Now - https://lnkd.in/f5b62Y4 #FraudPrevention #AI #CreditUnions #LendingInnovation #ScienapticAI #Webinar