NEW YORK - s4story -- Scienaptic AI, a global leader in AI powered credit decisioning technology, today announced that Pioneer Valley Credit Union has selected its AI platform to modernize its lending operations, accelerate credit decisioning speed, and expand access to credit for its members.

For over a century, Pioneer Valley Credit Union has been a beacon of financial stability and empowerment for its members. Founded in 1923 by ten postal workers in Springfield, Massachusetts, the institution holds the proud distinction of being the oldest operating Postal Credit Union in the United States. Today, having expanded its membership to serve a broader array of local organizations and community members, the credit union remains fiercely dedicated to the core philosophy of "People Helping People." Guided by a mission to provide products that establish financial stability and security, Pioneer Valley is deeply committed to pioneering cutting-edge financial solutions while maintaining its exclusive, highly personalized member benefits.

"Our vision has always been to pioneer cutting-edge financial products without losing the personal touch our members rely on," said Anabela Grenier, President and CEO of Pioneer Valley Credit Union. "Partnering with Scienaptic AI is a strategic leap forward in that commitment. With their AI-powered platform, we can look beyond traditional credit scoring to gain a deeper, more holistic view of our members' financial lives. This will empower our team to deliver faster, and more personalized lending decisions, ensuring our members have the secure financial backing they need to thrive."

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"Pioneer Valley Credit Union has an incredible legacy of empowering the people of Massachusetts for over 100 years," said Patrick McElhenie, Chief Growth Officer at Scienaptic AI. "We're thrilled to bring our AI decisioning capabilities to such a historic, community-driven institution. Our platform will seamlessly automate their decisioning workflows, helping their team confidently say 'Yes' to more members instantly, driving inclusive loan growth and carrying their 'People Helping People' mission into the next century."

About Scienaptic AI

Scienaptic AI was founded in 2014, 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. Scienaptic's latest innovation, iCUE (Intelligent Credit Underwriting Experience), integrates large language models and agentic AI into the credit decisioning platform, combining predictive intelligence with conversational capability to put humans back at the center of lending.

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 17 strategic investors, underscoring Scienaptic's deep commitment to the core principle of 'people helping people'. The Scienaptic AI platform plays a vital role in supporting over 150 lenders by enhancing lending accuracy and efficiency.

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Scienaptic's credit decisioning expertise spans financial institutions collectively managing $4 trillion+ in assets. The platform has powered decisions for over $160 billion in loans. It processes over 3 million credit decisions each month, evaluating loan applications worth more than $4 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