Scienaptic AI, a global leader in AI powered credit decisioning technology, announced today that Financial Center First Credit Union has gone live on its AI platform. This deployment is automating the credit union’s lending operations, delivering faster loan decisions, and responsibly expanding fair access to credit across its membership. Importantly, all these advancements have been achieved while ensuring fairness, inclusivity, and compliance with regulatory standards, which are integral to the Scienaptic AI platform.

Founded more than 70 years ago to serve military personnel and civilians at Fort Benjamin Harrison, Financial Center began with 227 loans and $29,000 in deposits and has grown into a trusted financial partner for members across greater Indianapolis, Kokomo, Muncie, and beyond. Guided by a mission of inclusive banking and lifelong financial wellness, the credit union pairs everyday banking with free financial education resources, coaching, and community programs that help members build confidence and momentum toward what comes next.

“At Financial Center, helping our members move forward in life has always been at the heart of what we do,” said Aaron Craig, Vice President Lending at Financial Center First CU. “With Scienaptic AI now live, we are automating a large share of our consumer lending decisions and giving members answers in moments rather than days. The platform is creating real efficiencies for our team, bringing more data into how we assess risk, and giving us a lending process that is not only smarter but truly aligned with our mission.”

“Financial Center has spent seven decades proving that inclusive banking and disciplined lending belong together,” said Courtney Mrsny, Chief Customer Officer at Scienaptic AI. “We are excited to see that commitment now powered by AI-driven credit decisioning. The platform is helping the credit union automate routine decisions, empower its underwriters with deeper insight, and grow its book while holding losses down.”

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. 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.

In September 2024, Scienaptic’s Credit Union Service Organization (CUSO) received strategic equity investments from its clients, further strengthening its mission to elevate lending with AI- driven solutions for inclusive loan growth, automation, lifecycle management, and compliance. Today, the CUSO is backed by 17 strategic investors, underscoring Scienaptic’s deep commitment to the core principle of ‘people helping people’. The Scienaptic AI platform plays a vital role in supporting over 150 lenders by enhancing lending accuracy and efficiency.

Scienaptic’s credit decisioning expertise spans financial institutions collectively managing $4 trillion+ in assets. The platform has powered decisions for over $160 billion in loans. It processes over 3 million credit decisions each month, evaluating loan applications worth more than $4 billion. This enables over 1.7 million underserved individuals every month to access credit opportunities that were previously out of reach. Driven by the growing demand for AI in lending, the company has expanded by over 2,000% in the past three years.

Scienaptic has been recognized among the most innovative and fastest-growing companies in financial technology. The company was named to the Deloitte Technology Fast 500 list for 2025 and was included in the CB Insights Fintech 100 list of the most promising fintech companies shaping the future of financial services.

For more information, visit www.scienaptic.ai

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