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Algebrik AI and Kinective Partner to Streamline Lending from Application to Signature

  • Writer: Niv Nissenson
    Niv Nissenson
  • Jul 7
  • 2 min read
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Algebrik AI, a New York-based pioneer of AI-powered loan origination systems, has partnered with Kinective, a leader in digital connectivity and core banking integrations, to simplify lending workflows for credit unions and community lenders. According to a press release published by the companies, this collaboration embeds Kinective’s Gateway™ platform directly into Algebrik’s AI-driven loan origination suite, creating a unified experience that handles everything from application to final e-signature.


What this partnership delivers

By combining Algebrik AI’s intelligent LOS with Kinective’s robust integration layer, lenders can:

  • Run everything in one place: Loan officers can initiate, track, and complete document signings without toggling between multiple platforms—cutting down on manual work and errors.

  • Offer blended e-signature flows: Borrowers can sign remotely or in-person, with workflows that adapt seamlessly to joint applications, co-signers, or branch-assisted processes.

  • Stay compliance-ready: Every document and update is automatically logged and audit-friendly within Algebrik’s compliance-first architecture.

  • Close loans faster: Automating end-to-end touchpoints reduces operational bottlenecks and creates a smoother, guided borrowing experience.


Pankaj Jain, Founder and CEO of Algebrik AI, emphasized that the partnership removes one of the biggest pain points for lenders: manual, disconnected workflows. Kinective CEO Stephen Baker added that the combined solution helps institutions modernize without the complexity of traditional core system integrations.


In response to a follow up by TheMarketAI.com about how Algebrik is using AI: Pankaj Jain, CEO of Algebrik AI, shared that their “agentic AI” doesn’t just score loans — it actively drives workflows to reduce application abandonment by 90%, cuts underwriting time by 40%, and improves customer experience by 300%, with approvals under five minutes. Algebrik’s platform spans digital onboarding, AI decisioning, and embedded compliance — all modular, to help credit unions modernize flexibly.


About Algebrik AI and Kinective

Algebrik AI, based in New York City, is a cloud-native, AI-powered Loan Origination System (LOS), built to help credit unions modernize lending and better serve next-gen members. Kinective provides digital connectivity, document workflow, and core banking integrations to over 3,000 financial institutions through its Gateway™ platform, enabling rapid fintech deployment and streamlined innovation.


In this application AI is assisting human loan officers — not replacing them. The system orchestrates workflows, automates compliance checks, and smooths out manual steps like e-signatures, but it still relies on people to drive lending decisions and relationships. In regulated, trust-heavy sectors like credit unions, that’s probably how it's probably too early for AI loan officers.


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