Scienaptic AI provides an AI-driven credit underwriting platform that integrates diverse data sources, advanced machine‑learning algorithms, and risk and fair‑lending monitoring to improve underwriting accuracy and efficiency. The company was founded in 2014 and is led by founder & CEO Pankaj Kulshreshtha. Its platform is used by over 145 lenders and has processed more than $76 billion in applications, enabling millions of underserved individuals to access credit. Scienaptic emphasizes financial inclusion and offers credit origination and lifecycle management solutions designed to enhance member experience. The firm highlights over 200 years of combined credit risk expertise and a decade of technological innovation underpinning its product. Recent activity includes the formation of a Credit Union Service Organization (CUSO) to deepen partnerships with credit unions. Scienaptic Systems Inc. is a New York City–based company that offers Ether, an AI-powered decisioning platform. Ether brings together multiple internal and external customer-level data sources to build advanced predictive models that are compliant with regulatory requirements. Solutions built on Ether help enterprises improve risk and credit assessment, monitor evolving fraud patterns, and enhance customer journeys and experience. The company counts several Fortune 100 enterprises among its clients. Led by founder and CEO Pankaj Kulshreshtha, Scienaptic raised US$7m in a Series A led by TVS Motor (Singapore) Pte. Limited and plans to use the funds to accelerate sales and product development. The investment closing is subject to obtaining appropriate regulatory approvals.

Total raised

$7M

Funding rounds

2

Latest round

Series A

Latest activity

Jul 2019