Scienaptic AI, a global provider of AI-powered credit decisioning technology, has announced that Communication Federal Credit Union has launched its AI platform. The deployment is designed to automate lending workflows, speed up loan decisions and expand fair access to credit while maintaining responsible risk management and compliance with regulatory requirements.

Founded in 1939 and headquartered in Oklahoma City, Communication Federal Credit Union manages more than $2.3 billion in assets and serves over 130,000 members across 23 branches in two states. The institution focuses on providing value through financial products and services while prioritising member relationships, community involvement and financial stability. It has also maintained a five-star rating from Bauer Financial Reports, Inc. for 35 consecutive years, reflecting its longstanding commitment to financial strength and safety.

Billy McDaniel, Senior Vice President and Chief Lending Officer at Communication Federal Credit Union, said the organisation has spent more than 85 years helping members access reliable financial services. He explained that going live with Scienaptic AI represents an important step in this mission. The platform automates credit decisioning workflows, supports faster and more consistent decisions, and allows employees to devote more time to helping members achieve their financial goals while maintaining prudent lending standards.

Matt Beecher, Chief Growth Officer at Scienaptic AI, highlighted the credit union's commitment to financial stability and member service. He said the partnership aims to deliver faster credit decisions, improve lending precision and support sustainable portfolio growth without compromising established risk management practices.

The announcement highlights the potential to unlock $134.5 million in incremental vehicle loan originations and achieve up to a 20% reduction in losses across consumer loan portfolios. These figures should be understood as projected or potential outcomes rather than independently verified results of the deployment.

About Scienaptic AI

Founded in 2014, Scienaptic AI develops credit decisioning technology intended to advance financial inclusion. Its platform combines broader data analysis, machine learning and risk and fair lending monitoring to help financial institutions assess applications and serve more underbanked and underserved borrowers responsibly.

Its latest innovation, iCUE (Intelligent Credit Underwriting Experience), incorporates large language models and agentic AI into credit decisioning. By combining predictive intelligence with conversational capabilities, the platform aims to improve underwriting support while keeping people involved in lending decisions.

In September 2024, Scienaptic's Credit Union Service Organization (CUSO) received strategic equity investments from its clients. The CUSO is backed by 17 strategic investors and supports AI-driven lending, loan growth, automation, lifecycle management and compliance. Scienaptic's platform serves more than 150 lenders.

Financial institutions using its technology collectively manage over $4 trillion in assets. The platform has powered decisions involving more than $160 billion in loans and processes over three million credit decisions monthly, evaluating applications worth more than $4 billion. According to Scienaptic, it enables over 1.7 million underserved individuals each month to access credit opportunities that were previously out of reach. The company also reports growth exceeding 2,000% over three years.

Scienaptic AI was named to the Deloitte Technology Fast 500 for 2025 and included in the CB Insights Fintech 100, recognising promising companies shaping financial services.

For more information, visit Scienaptic AI.