Case Study: Gesa Credit Union boosts auto loan approvals and approval rates with Scienaptic AI

Growing Member Relationships with Intelligent Credit Decisions

Gesa Credit Union, a large credit union in Washington State, faced the challenge of expanding services to underserved members, particularly after the pandemic. Their legacy credit scoring methods restricted this growth, and they needed a solution for instant decisioning, improved underwriting accuracy, and seamless integration with their Temenos loan origination system. To address this, they partnered with vendor Scienaptic AI to leverage its AI-powered credit decisioning platform.

Scienaptic AI implemented its adaptive AI platform, which used Gesa's own data to create models that provided a more granular assessment of creditworthiness. This solution enabled faster, automated underwriting and integrated seamlessly with Temenos. The results were significant, yielding a 50% increase in auto-approvals for auto loans and a 20% increase in overall approval rates, allowing Gesa to safely extend more credit to its members.

Gesa Credit Union

Kevin Willborn

Vice President of Consumer Lending