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GHS Federal Credit Union has announced that it is adopting Scienaptic AI’s credit decisioning platform to modernize and “enable smarter lending” across its portfolio. The New York–based credit union plans to use Scienaptic’s AI tools to automate underwriting, make faster loan decisions, and expand approvals while maintaining disciplined risk management and inclusive lending for its members.
What the partnership involves
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Scienaptic AI will provide an AI-powered credit decisioning platform that plugs into GHS Federal Credit Union’s lending workflows.
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The technology is intended to automate more of the underwriting process, giving loan officers faster, more comprehensive insight into member creditworthiness.
Goals for GHS Federal Credit Union
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Strengthen loan approvals and accelerate decisioning so members receive credit decisions more quickly.
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Support more inclusive lending by using richer data and advanced models to approve more qualified borrowers, including underbanked and underserved members, without increasing overall risk.
Statements from leadership
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Chad Williams, President & CEO of GHS Federal Credit Union, said the credit union is using Scienaptic AI to modernize its lending approach, automate underwriting, and make faster, more informed decisions while still serving the community responsibly.
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Patrick McElhenie, Chief Growth Officer at Scienaptic AI, emphasized that the platform helps lenders move beyond single-score decisions and evaluate risk “in context,” supporting responsible growth.
About GHS Federal Credit Union
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GHS Federal Credit Union is headquartered in Binghamton, New York, and was founded in 1940.
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It serves government and healthcare professionals, local employers, and families in the Greater Binghamton region, offering a range of consumer and small business financial products with a community-focused approach.
About Scienaptic AI
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Scienaptic AI, founded in 2014, focuses on AI-driven credit decisioning with a mission to expand financial inclusion at scale.
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Its platform supports more than 150 lenders that collectively manage about 3.9 trillion dollars in assets and processes over 3 million credit decisions monthly, helping over 1.7 million underserved individuals gain access to credit each month.
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