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INTELLIGENT UNDERWRITING TECHNOLOGIES

Intelligent lending starts here

Harness the power of Origence arc OS™ decision with next-gen underwriting technologies from Experian PowerCurve, Scienaptic, and Zest AI.
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Integrated technology for a new era of underwriting

Experian

Origence arc OS™ decision combines best-in-class automation with industry-leading underwriting technologies to help credit unions gain deeper borrower insights, accelerate approvals, and make confident, data-driven lending decisions that drive growth.

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Enhance lending decisions

Automate your underwriting with tailored risk models that match your products, policies, and data, enhancing portfolio quality and driving growth.

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Expand lending markets
Go beyond traditional credit scores by leveraging richer borrower profiles, allowing you to serve more members and responsibly expand into new markets.
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Ensure equitable lending
Ensure consistent, transparent, and equitable credit decisions that align with fair lending practices, helping credit unions extend lending to their communities.
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Elevate member satisfaction
Deliver instant loan decisions, reduce operational costs through automation, and streamline workflows to scale operations while improving borrower experiences.

Seamless connection and control

Origence arc OS™ decision integrates seamlessly with partner technologies for easy setup and full flexibility, enabling you to maintain complete control over your credit underwriting process. Approve more loans with less risk, maintain compliance and optimize your portfolio performance.

AI/ML credit modeling
Leverage machine learning credit models, using alternative scoring methods to enhance borrower risk assessment.
Flexible decisioning framework

Easily map partner outputs at any stage of the underwriting process, giving you full flexibility to apply your custom policies and rules before final approval.

Integrated actions & automation

Automate eligibility checks, membership verification, and conditions requirements (e.g., 18+, tax returns, proof of address), from application to funding and everything in between, ensuring seamless alignment across the entire loan origination process.

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Learn more about growing and modernizing your lending operations.

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