Scienaptic Systems Inc. (Scienaptic AI)

Scienaptic AI, founded in 2014, is a New York-based company specializing in AI-powered credit decisioning. Headquartered at 50 West 47th Street, Suite 1614, New York, NY, 10036, its core mission is to drive financial inclusion by enabling financial institutions to expand their addressable market and profitably underwrite for previously underserved segments through advanced artificial intelligence.

The company offers a comprehensive AI-powered credit decisioning platform that integrates diverse data sources and machine learning algorithms to provide more accurate risk assessments than traditional models. Key offerings include automated underwriting, fraud detection, vehicle loan pricing, and iCUE (Intelligent Credit Underwriting Experience), which combines predictive intelligence with conversational AI. The platform also incorporates early warning systems and fair lending compliance, serving banks, credit unions, and fintechs by processing over 3 million credit decisions monthly for more than 150 lenders managing $3.9 trillion in assets.

Under the leadership of CEO Pankaj Kulshreshtha, Scienaptic AI has been recognized for its rapid growth, achieving over 2,000% expansion in the past three years. The company was named to the Deloitte Technology Fast 500 list for 2025 and the CB Insights Fintech 100 list, highlighting its innovative market positioning. Recent notable developments include strategic partnerships with Socure for identity and fraud intelligence in June 2026, and an integration with Temenos in April 2026 to accelerate lending for US credit unions.