InRoads Credit Union selects Scienaptic’s AI-powered credit decisioning platform

NEW YORK, NY (August 9, 2021) — Leading global AI-powered credit decision platform provider, Scienaptic AI announced that InRoads Credit Union has chosen to implement the company’s AI-powered platform to enhance its credit decisioning and underwriting capabilities for new and prospective members.

Founded in 1938 and headquartered in St. Helens, Ore., InRoads Credit Union has grown to support members across Columbia, Clatsop, Cowlitz, Multnomah, and Washington Counties. Implementing Scienaptic’s AI-powered platform positions InRoads to make stronger, faster credit decisions for its members while delivering the best value for lifelong relationships.

“At InRoads, we believe everyone thrives when we grow together,” said Robin Balza, Chief Lending Officer at InRoads Credit Union. “Deploying Scienaptic’s platform will make it easier for us to enhance credit access for our members. Not only will Scienaptic help us further our commitment to continued growth but, more importantly, it will drive strengthened financial options to support the growth of our valuable members.”

“We are excited to help InRoads Credit Union by streamlining and supporting the credit and financing needs of its members,” said Pankaj Jain, president of Scienaptic. “With access to enhanced credit decisioning, InRoads will be able to assist more current and prospective members, increase approval rates and minimize risk, all while building deeper relationships.”

About Scienaptic AI

Scienaptic AI’s mission is to increase credit availability across the globe by transforming the technology used in credit decisioning. Credit unions, auto lenders, banks, and fintechs, use Scienaptic's AI native credit decisioning platform to continually improve the quality and speed of their underwriting decisions.

The platform enables FIs to reach more borrowers, including underbanked and underserved individuals, and say “yes” more often without increasing risk. It democratizes automated AI-powered lending while addressing all regulatory requirements, including Fair Lending and explainable adverse actions.

Scienaptic-enabled lenders have processed more than 300 million transactions, benefitting millions of borrowers. For more information, visit


Augusta Bauknight

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