Scienaptic AI, a global leader in AI-powered credit decisioning, has announced that GHS Federal Credit Union has selected its platform to modernize loan approvals, accelerate decision-making, and support more inclusive lending for its members. Headquartered in Binghamton, New York, GHS is adopting Scienaptic’s technology to strengthen underwriting across its lending portfolio while maintaining its long-standing commitment to community-focused service.
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Founded in 1940, GHS Federal Credit Union has served government employees, healthcare professionals, local employers, and families across the Greater Binghamton region for more than 80 years. The credit union has built deep trust within the community through personalized service, financial education, and a strong focus on long-term member well-being. Today, GHS offers a broad range of consumer and small business financial products designed to meet members’ needs at every stage of life, all while preserving a people-first culture.
As member profiles and data sources grow more complex, GHS is focused on ensuring its underwriting approach remains both disciplined and adaptable. By implementing Scienaptic AI’s credit decisioning platform, the credit union will introduce greater automation into its underwriting processes, enabling faster credit decisions and more comprehensive insights into member creditworthiness. The platform is designed to help lenders evaluate risk more holistically, supporting growth without sacrificing responsibility.
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Chad Williams, President and CEO of GHS Federal Credit Union, said the decision aligns closely with the organization’s service-driven lending philosophy. He noted that as lending becomes more data-intensive, Scienaptic AI provides the tools needed to modernize underwriting, make more informed decisions at scale, and continue serving members responsibly and efficiently.
Patrick McElhenie, Chief Growth Officer at Scienaptic AI, added that GHS’s approach reflects a broader shift in lending toward contextual, data-driven decisioning. He emphasized that Scienaptic AI enables lenders to move beyond single-score evaluations by applying advanced intelligence across the entire credit decisioning process, helping institutions support inclusive, disciplined growth while adapting to an increasingly dynamic lending environment.
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