Scienaptic AI, the world’s leading AI-powered credit decision platform provider, today announced its partnership with Socure, the leading global AI-native trust infrastructure for identity and risk intelligence. This collaboration brings together identity intelligence and credit decisioning, to reduce friction for good customers and prevent fraud at the point of origination.
As fraud vectors grow increasingly sophisticated, encompassing synthetic identities, deepfakes, injection attacks, and fraud schemes, financial institutions face mounting pressure to assess risk holistically rather than through disconnected point solutions. This partnership directly addresses that gap.
Socure’s RiskOS® is an orchestration platform with Socure’ native identity graph and best-in-class capabilities vertically integrated. RiskOS enables holistic fraud and identity assessments across over 200 integrations through a single user interface. By combining Socure’s AI-powered identity infrastructure, which processes 5 billion real-time risk decisions annually, with Scienaptic AI’s view of risk, lenders gain a consolidated fraud intelligence view that is actionable, explainable, and deeply integrated into credit outcomes. This partnership reflects a customer-centric approach to fraud detection providing the tools necessary to approve more good customers while minimizing risk, all through a single, connected platform to the entire ecosystem.
“In the age of AI-fueled fraud attacks, identity is critical,” said Charlie Kroll, Head of Fintech & Mid-Market Banking at Socure. “By partnering with Scienaptic, we’re bringing Socure’s market-leading identity and fraud intelligence directly into AI-powered credit decisioning, helping lenders stop more fraud, reduce unnecessary friction for legitimate applicants, and make faster, more confident decisions.”
“Our mission is to give lenders the most complete and accurate picture of member risk, and fraud is an inseparable part of that picture,” said Vinay Bhaskar, COO at Scienaptic AI. “With this partnership, we are strengthening our mission, detecting and stopping fraud before it ever reaches a decision. The result is a unified fraud assessment map that protects lenders from exposure, and an experience so seamless that genuine members never feel the weight of it.”
