Scienaptic

Scienaptic is an AI-driven Credit Underwriting platform company. Its platform Ether Underwrite is creating industry leading improvements in higher application approvals (15-40%) and lower credit losses (10-25%) with all the regulatory explainability (model explainability, FCRA compliant adverse action reasoning and SR 11-7 compliance). Ether combines FCRA-compliant alternative data with bureau data to deliver superior AI driven predictive vectors, using prebuilt APIs.

Financial institutions looking to expand their addressable market are engaging with Ether, which offers a suite of smart AI technologies to better identify qualified prospects, flag high-risk prospects, and offer a more complete risk assessment. This approach allows financial institutions to attract prospects that were previously off the map and lend profitably to a previously underserved market.