# ZeroPay Goes Live With Scienaptic’s AI-Powered Credit Decisioning Platform
Author:  Pal Sinha,Barnali
Author URL: https://fintechherald.com/author/pal-sinha-barnali
Published: 2022-01-18
Category: News
Category URL: https://fintechherald.com/category/news
Meta Title: Scienaptic & ZeroPay partnership: AI platform enhances
Meta Description: Discover how ZeroPay leverages Scienaptic's AI-powered credit decision platform to make accurate credit decisions and scale exponentially in the BNPL segm
URL: https://fintechherald.com/zeropay-goes-live-with-scienaptics-ai-powered-credit-decisioning-platform

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_AI platform empowers_ _ZeroPay_ _to extend credit to consumers in BNPL segment_

**NEW YORK, BANGALORE – Jan. 18, 2022**– Leading AI-powered credit decisioning disruptor, [Scienaptic](https://www.scienaptic.ai/) announced that ZeroPay is now live on its platform. The platform will enable ZeroPay to make very accurate credit decisions and limit assignment in the Buy Now, Pay Later (BNPL) segment.

Launched by Acharya group, ZeroPay is an OTT-based BNPL fintech start-up seeking to change consumer credit with its cutting-edge technology platform which allows customers to shop anywhere and pay in easy EMI at Zero interest, Zero penalty and Zero late fees. ZeroPay plans to scale exponentially and help consumers in small ticket payments for everyday usage like grocery purchases, restaurants and online shopping.

“Scienaptic is our strategic partner and is helping us build the right risk scorecards, decisioning strategy and credit limit based on risk assessment with a platform to execute decisioning in real-time,” said Krishna Basani, CEO of ZeroPay. “This platform will allow us to make loan decisions and approve credit faster and in larger volumes, while managing our risk.”

“BNPL is one of the hottest growth products in consumer lending in India and Scienaptic has a ton of experience in this segment, supporting some of the largest e-commerce and marketplace players over the past three years,” said Joydip Gupta, APAC Head, Scienaptic. “We hope to bring our experience in the form of our underwriting models and our decisioning platform to help ZeroPay scale up to market leadership position, while maintaining a very healthy portfolio quality.”

**About Scienaptic**

Scienaptic is on a mission to increase credit availability by transforming technology used in credit decisioning. Over 150 years of credit experience is embedded in Scienaptic’s AI native credit decision platform. Our clients across banks, credit unions, fintech, and other lenders use the platform to constantly improve the quality of underwriting decisions. This enables them to say ‘yes’ to borrowers more often and faster. The platform is used by lenders with assets exceeding $100 billion, enabling them to process over $22 billion in credit decisions, benefitting over two million credit union members and millions of borrowers across banks, auto and online lenders. For more information, visit http://www.scienaptic.ai.


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