.svg)
CREDOLAB
About the Organisation
Credolab is a global leader in device and behavioural metadata analytics, redefining informed decision-making in financial services. By delivering predictive insights and scores for credit risk, fraud prevention, and marketing, Credolab gives financial institutions and fintechs a holistic view into every stage of the customer journey, enabling smarter decisions about onboarding, underwriting, and communication. Rather than relying on transactional or self-declared data, Credolab's intelligence layer is built on nearly 80,000 behavioural data points across Android, iOS, and web, drawn from over 1.3 billion datasets globally. To date, the platform has delivered more than 240 million actionable insights, enabling faster, more inclusive credit and risk strategies. Founded in 2016, Credolab operates globally, with offices in Singapore and Miami, and serves nearly 200 clients, including leading neobanks, credit bureaus, BNPL providers, and identity verification companies, across the United States, Latin America, Southeast Asia, and EMEA.
Products and Services
-
CredoScore
Bureau data leaves gaps. Good borrowers get rejected, risky applicants get approved, and thin-file applicants go unscored. It tells you whether they can pay. The new question is whether they will. CredoScore fills that gap with behavioural risk intelligence. Using consented smartphone metadata, it analyses how applicants interact and behave with their devices, turning those signals into a real-time credit risk score. It plugs into your existing models alongside bureau data, without processing a single byte of personal data. What you gain: 1) Score all applicants 2) Approve more good customers 3) Identify and reduce first payment default risk earlier 4) Add a complementary, explainable intelligence layer 5) Available on FICO Marketplace and more.
-
Behavioural Inteliigence
Know how someone behaves, not just who they are. Behavioural intelligence is the layer behind every Credolab solution. It analyses how applicants interact with their devices, using consented behavioural metadata and turns those signals into real-time intelligence at the top of your funnel. No names, no messages, no personal data. Regulatory and privacy compliant by design. How it connects: Applied to credit decisioning, behavioural intelligence becomes behavioural risk intelligence (a new category in credit decisioning), which powers CredoScore, our behavioural risk score. What you gain: 1) A risk signal for 100 per cent of digital applicants 2) Bank-grade security, ISO/IEC 27001 certified 3) Built to fit with your existing decision engine 4) Available on Mastercard Engage and more
