Genisys Credit Union Taps Scienaptic AI to Scale Inclusive, Member-Centric Lending

Genisys Credit Union has selected Scienaptic AI’s credit decisioning platform to modernize its lending, speed up loan decisions, and broaden fair access to credit for its members.​

What the announcement says

• Genisys Credit Union, a Michigan‑based institution with about $6.1 billion in assets and over 295,000 members, is adopting Scienaptic’s AI platform for lending decisions.​

• The goal is to improve decision speed and precision while keeping strong credit quality, so Genisys can approve more loans and still manage risk prudently.​

• President & CEO Jackie Buchanan said the deployment is meant to support member‑centric service by making lending more efficient and responsive to members’ needs.​

• Scienaptic’s Chief Growth Officer, Patrick McElhenie, emphasized that the platform should help Genisys approve more loans faster and deepen member relationships without loosening risk controls.​

Role of Scienaptic AI

• Scienaptic AI specializes in AI‑driven credit decisioning, using machine learning and expanded data to help lenders say “yes” more often without increasing risk.

• Its platform is used by more than 150 lenders that together manage about $3.9 trillion in assets, powering decisions on over $150 billion in loans and processing more than 3 millioncredit decisions each month.​

• The company focuses on financial inclusion, enabling institutions to reach underbanked and underserved borrowers through fair‑lending monitoring and alternative‑data‑driven models.

Why this matters for members

• For Genisys members, the partnership is intended to mean faster loan decisions, more personalized approvals, and expanded access to credit, especially for those who may not fit traditional credit‑score boxes.

• An example in practice: AI‑driven scoring can allow a credit union to approve a member with a thin credit file by incorporating more data (such as payment histories or account behavior) while still controlling default risk.