Diversified Members Credit Union Selects Scienaptic AI to Modernize Credit Underwriting and Transform Lending

NEW YORK - EntSun -- Scienaptic AI, a global leader in AI-powered credit decisioning technology, today announced that Diversified Members Credit Union (DMCU) has selected its AI platform to enhance credit decisioning, streamline lending operations, and provide deeper, more resilient financial support to its members across Michigan.

Diversified Members Credit Union boasts a history of resilience unmatched by many financial institutions, having opened its doors just four days after the stock market crash of 1929. While others struggled during those tumultuous years, DMCU established itself as a pillar of stability, a legacy that continues today. Serving a diverse and growing community across Michigan, DMCU offers a full spectrum of financial guidance focused on access to fair credit, a unique set of savings and checking products, and personalized financial coaching. The credit union remains dedicated to enriching its communities and helping members reach their full potential, personally and financially, through a team of experts committed to offering guidance at every stage of life.

"Our credit union was born in the middle of a financial crisis, founded on the belief that we could provide stability when people needed it most. Nearly a century later, that commitment to being a financial rock for our members hasn't changed, and we are modernizing the tools we use to deliver on it," said Sati Smith, CEO of Diversified Members Credit Union. "By leveraging Scienaptic AI, we are equipping our lending team with the ability to look beyond surface-level data and understand the true financial story of our members. This technology will allow us to honor our history of resilience by making credit decisions that are faster, fairer, and more inclusive towards our members."

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"DMCU's story is a powerful reminder of the credit union movement's purpose, to stand by members through every economic cycle," said Patrick McElhenie, Chief Growth Officer at Scienaptic AI. "We are honored to be part of their next chapter. Our AI platform will enable DMCU to combine their deep-rooted community wisdom with advanced data intelligence, ensuring that they can serve more members with confidence and continue their legacy of helping families thrive."

About Scienaptic AI

Founded in 2014, Scienaptic AI was built with the mission to drive financial inclusion at scale through AI-driven credit decisioning. The platform encapsulates a decade of technological innovation, integrating more data into decision-making, leveraging advanced machine learning algorithms, and supplementing them with rigorous risk and fair lending monitoring processes. This enables financial institutions to reach more borrowers- including underbanked and underserved individuals and say "Yes" more often without increasing risk.

In September 2024, Scienaptic's Credit Union Service Organization (CUSO) received strategic equity investments from its clients, further strengthening its mission to elevate lending with AI-driven solutions for inclusive loan growth, automation, lifecycle management, and compliance. Today, the CUSO is backed by 15 strategic investors, underscoring Scienaptic's deep commitment to the core principle of "people helping people."

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The Scienaptic AI platform plays a vital role in supporting over 150 lenders by enhancing lending accuracy and efficiency. Scienaptic's credit decisioning expertise spans financial institutions collectively managing $3.9 trillion in assets. The platform has powered decisions for over $150 billion in loans. It processes over 3 million credit decisions each month, evaluating loan applications worth more than $3 billion. This enables over 1.7 million underserved individuals every month to access credit opportunities that were previously out of reach. Driven by the growing demand for AI in lending, the company has expanded by over 2,000% in the past three years.

Scienaptic has been recognized among the most innovative and fastest-growing companies in financial technology. The company was named to the Deloitte Technology Fast 500 list for 2025 and was included in the CB Insights Fintech 100 list of the most promising fintech companies shaping the future of financial services.

For more information, visit www.scienaptic.ai