Communication Federal Credit Union, an Oklahoma City-based lender with $2.3bn in assets, has deployed Scienaptic AI’s credit decisioning platform as it looks to expand lending capacity, automate workflows and improve access to credit.
The implementation is expected to unlock $134.5m in incremental vehicle loan originations while reducing losses across the credit union’s consumer loan portfolios by up to 20%, according to Scienaptic AI.
The AI-powered platform automates elements of the lending decision process, enabling faster approvals and supporting more consistent credit assessments. The technology also incorporates fair lending and regulatory monitoring capabilities, allowing the credit union to expand access while maintaining risk controls.
Scienaptic AI develops artificial intelligence-powered credit decisioning technology for lenders and financial institutions. Its platform uses machine learning and broader data analysis capabilities to help lenders assess borrowers, including applicants who may have historically been underserved by traditional credit models.
The company’s latest offering, iCUE, incorporates large language models and agentic AI capabilities into the credit decisioning process, with the aim of helping lenders improve automation while maintaining oversight and compliance.
Scienaptic AI supports more than 150 lenders, representing institutions with more than $4tn in combined assets. The company said its platform has powered decisions on over $160bn in loans and processes more than 3 million credit decisions each month.
The deployment follows increasing adoption of AI lending technology among financial institutions seeking to improve operational efficiency, expand credit access and modernise legacy decisioning processes.
Communication Federal Credit Union senior vice president/CLO Billy McDaniel said, “For over 85 years, we have been committed to providing our members with the best possible financial value and a secure, reliable partnership. Going live with Scienaptic AI is a strategic leap forward in that mission.”
“This intelligent platform is automating our decisioning workflows, allowing us to deliver instant, consistent loan decisions while maintaining the prudent risk management our members trust. It empowers our team to spend more time focusing on what matters most: serving our members and helping them achieve their financial dreams,” he said.
Scienaptic AI chief growth officer Matt Beecher added, “Communication Federal Credit Union’s deep dedication to financial stability and exceptional member service sets an incredible standard. We’re excited to support that mission with AI that enables faster decisions, greater lending precision, and sustainable portfolio growth. Together, we’re helping the credit union approve more members while maintaining the strong risk discipline that has defined its success for decades.”
Copyright © 2026 FinTech Global
