Algebrik AI Inc., a Delaware-incorporated company headquartered in New York City and recognized for pioneering the world’s first cloud-native, AI-powered, digital-era Loan Origination System (LOS), has announced a strategic partnership with Scienaptic AI, a leading AI-driven lending platform. This collaboration enables Algebrik users to seamlessly access Scienaptic AI’s advanced decisioning signals for credit underwriting, fraud prevention, pre-qualification, onboarding, perpetual offers, and early warning—all directly integrated within Algebrik’s LOS. The partnership creates a fully streamlined lending workflow, delivering intelligent, AI-led decisions at every customer touchpoint while minimizing IT effort and eliminating the need for additional vendor management.

The integration is designed to align with real-world lending operations rather than functioning as a standalone tool. From pre-qualification through funding and into account servicing, Scienaptic AI’s decisioning can be invoked at the most relevant points within Algebrik’s workflows, helping to guide approvals, determine conditions, and define review paths. Application data, credit bureau information, and lender inputs are securely passed to Scienaptic AI for analysis and returned to Algebrik, allowing lenders to take next-best-action steps without leaving the system of record. This approach ensures that every decision and recommendation occurs where work naturally happens, keeping lending teams efficient and focused.

For members, this partnership translates into faster credit decisions, fewer back-and-forth steps, and a consistent experience across mobile, web, and branch channels. Lending teams benefit from reduced fragmentation, shorter cycle times, and a clear path to scaling operations. By embedding AI decisioning directly into the LOS, Algebrik and Scienaptic AI are enabling lenders to respond more quickly, reduce operational complexity, and provide a smoother, more member-centric experience.

Pankaj Jain, Founder and CEO of Algebrik AI, emphasized that lenders are seeking modern workflows without operational burdens, and this partnership achieves precisely that by integrating Scienaptic AI decisioning into the platform they already use. Pankaj Kulshreshtha, Founder and CEO of Scienaptic AI, noted that the mission is to make AI-powered credit decisioning simple and accessible for every lender. With Scienaptic AI signals now embedded directly within lending workflows, credit unions can approve more members, reduce risk, and accelerate growth through responsible, data-driven intelligence. The integration is now available to all Algebrik users, granting immediate access to enhanced underwriting, fraud prevention, and lifecycle decisioning capabilities within the LOS.