AI-Powered Credit Decisions for the New Normal: Scienaptic’s APAC Playbook with Joydip Gupta

▤ Summary

Scienaptic discusses how AI is reshaping credit underwriting across APAC and why lenders are increasingly using machine learning to improve risk decisions. The company explains how it uses alternative data, pre-trained models, and a business rule engine to help banks, NBFCs, and fintechs automate lending workflows. The interview also covers its expansion plans in India and Southeast Asia, along with its focus on explainability, fairness, and responsible AI. Scienaptic positions itself as infrastructure for more inclusive credit access and shared credit identity across the lending ecosystem.

▦ Linked Companies

Scienaptic AI

$10M to $25M