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BETTER DATA TO SCORE RISK, DETECT FRAUD, IMPROVE MARKETING CAMPAIGNS

Help your risk, fraud, and marketing teams take better decisions with advanced
behavioural analytics based on smartphone and web metadata.

Get a Demo



Trusted by the World’s Biggest Brands





BUILDING SUCCESS TOGETHER

Join 150+ financial companies, banks and fintech unicorns already using credolab
platform to enrich their data and unlock revenue opportunities for sustainable
growth and innovation


CLIENT SUCCESS STORIES

Discover how credolab has transformed businesses by enabling data-driven
decision-making and fostering growth through innovative solutions.

Nicholas Mutua

Head of Credit and Operations, Maisha Bank

I'd recommend Credolab's behavioural data solution to any bank trying to enhance
the way they do a credit risk assessment. By leveraging their expertise and
unique source of data, we have improved our risk management processes and
onboarded better-quality customers. Our applicant risk assessment process has
transformed with the use of Credolab's alternative credit risk scores. As a
result, we have gained deeper real-time behavioural insights and higher accuracy
in risk evaluation and payment default probability. Their solution is a
strategic asset that has undoubtedly elevated our credit assessment capabilities
and saved us valuable time and resources.

Nicholas Mutua

Head of Credit and Operations, Maisha Bank



I'd recommend Credolab's behavioural data solution to any bank trying to enhance
the way they do a credit risk assessment. By leveraging their expertise and
unique source of data, we have improved our risk management processes and
onboarded better-quality customers. Our applicant risk assessment process has
transformed with the use of Credolab's alternative credit risk scores. As a
result, we have gained deeper real-time behavioural insights and higher accuracy
in risk evaluation and payment default probability. Their solution is a
strategic asset that has undoubtedly elevated our credit assessment capabilities
and saved us valuable time and resources.

Vadym Kryvoviaz

Deputy CEO/ CRO, AsiaKredit

As the Chief Risk Officer of a digital lender operating in a country where
credit bureau penetration is low, we were faced with a significant challenge in
identifying creditworthy customers. That's when we discovered credolab's risk
scores based on smartphone data. Using credolab's risk scores allowed AsiaKredit
to more accurately assess the risk profile of customers who would otherwise be
rejected. This has enabled us to approve more customers, while still maintaining
risk under control. One of the most significant benefits of using credolab's
risk scores has been the reduction in first payment defaults. By identifying
customers who were more likely to default, we were able to adjust the loan terms
or decline the application altogether. This has led to a significant positive
impact on our bottom line.

Vadym Kryvoviaz

Deputy CEO/ CRO, AsiaKredit



As the Chief Risk Officer of a digital lender operating in a country where
credit bureau penetration is low, we were faced with a significant challenge in
identifying creditworthy customers. That's when we discovered credolab's risk
scores based on smartphone data. Using credolab's risk scores allowed AsiaKredit
to more accurately assess the risk profile of customers who would otherwise be
rejected. This has enabled us to approve more customers, while still maintaining
risk under control. One of the most significant benefits of using credolab's
risk scores has been the reduction in first payment defaults. By identifying
customers who were more likely to default, we were able to adjust the loan terms
or decline the application altogether. This has led to a significant positive
impact on our bottom line.

Tomasz Borowski

CEO, Flow

As the CEO of a credit management company, I was looking for the right software
solution to support our business operations whilst also promoting ethical and
responsible debt collection in underserved Asian economies. Credolab helped us
with a powerful scorecard that allowed us to prioritise collection efforts. By
analysing user metadata and behaviours, credolab helped us improve the way we
allocated call centre's efforts by reaching out to the users that were most
likely to respond to our calls resulting in higher collections rates.

Tomasz Borowski

CEO, Flow



As the CEO of a credit management company, I was looking for the right software
solution to support our business operations whilst also promoting ethical and
responsible debt collection in underserved Asian economies. Credolab helped us
with a powerful scorecard that allowed us to prioritise collection efforts. By
analysing user metadata and behaviours, credolab helped us improve the way we
allocated call centre's efforts by reaching out to the users that were most
likely to respond to our calls resulting in higher collections rates.

Anand Krishnaswamy

Vice President Product, International, TransUnion

We partnered with credolab to integrate their SDK into our Digital Onboarding
solution. The SDK was easy to implement and the customer support team was
outstanding, making the integration process quick and efficient. One of the key
reasons why we chose credolab as our partner was the quality of their
alternative risk score. After testing it with a bank in the Philippines, we
realised it was a good complement to our credit bureau score and CreditVision
Link product to help TU's clients score every individual, not just the ones
already known to the bureau. Embedding credolab SDK in TransUnion Digital
Onboarding enabled us to offer businesses with alternative risk scoring
alongside identity and fraud management, affordability assessment, decisioning,
and digital fulfilment.

Anand Krishnaswamy

Vice President Product, International, TransUnion



We partnered with credolab to integrate their SDK into our Digital Onboarding
solution. The SDK was easy to implement and the customer support team was
outstanding, making the integration process quick and efficient. One of the key
reasons why we chose credolab as our partner was the quality of their
alternative risk score. After testing it with a bank in the Philippines, we
realised it was a good complement to our credit bureau score and CreditVision
Link product to help TU's clients score every individual, not just the ones
already known to the bureau. Embedding credolab SDK in TransUnion Digital
Onboarding enabled us to offer businesses with alternative risk scoring
alongside identity and fraud management, affordability assessment, decisioning,
and digital fulfilment.

Donald Evans

Chief Lending Officer, FairMoney

Credolab allowed us to extract more insights on our customers through their
unique data attributes which, in combination with our existing data points,
improved the accuracy of our models. As a result, we managed to increase value
to clients through a better offer creating positive selection and higher
profitability.

Donald Evans

Chief Lending Officer, FairMoney



Credolab allowed us to extract more insights on our customers through their
unique data attributes which, in combination with our existing data points,
improved the accuracy of our models. As a result, we managed to increase value
to clients through a better offer creating positive selection and higher
profitability.

Momtaz Moussa

Co-Founder & CEO, Lucky

Credolab has been an essential partner in our journey to enable the underbanked
with more empowering financial services. Together with credolab, we have managed
to use alternative data to finally build reliable credit profiles for users with
no credit history. In addition, their team was genuinely sharing best practices
and providing thought leadership along the way.

Momtaz Moussa

Co-Founder & CEO, Lucky



Credolab has been an essential partner in our journey to enable the underbanked
with more empowering financial services. Together with credolab, we have managed
to use alternative data to finally build reliable credit profiles for users with
no credit history. In addition, their team was genuinely sharing best practices
and providing thought leadership along the way.

Greg Krasnov

CEO, Tonik Bank

We chose credolab because they are the global leader in leveraging smartphone
behavioural data for risk assessment. They have been a key input in our general
model and have accompanied Tonik since the very beginning of our lending
journey. I'd recommend any lender to use their scores and insights.

Greg Krasnov

CEO, Tonik Bank



We chose credolab because they are the global leader in leveraging smartphone
behavioural data for risk assessment. They have been a key input in our general
model and have accompanied Tonik since the very beginning of our lending
journey. I'd recommend any lender to use their scores and insights.

Daiane Rodrigues Baldo

Credit Data Science Leader, Agi

Credolab helped us to better understand the digital profile of our customers,
creating relevant insights that helps us segment and improve our customers’ risk
profile. With the data provided by credolab, we managed to be more accurate in
our predictive models and even more competitive.

Daiane Rodrigues Baldo

Credit Data Science Leader, Agi



Credolab helped us to better understand the digital profile of our customers,
creating relevant insights that helps us segment and improve our customers’ risk
profile. With the data provided by credolab, we managed to be more accurate in
our predictive models and even more competitive.



Get a Demo



ALL-IN-ONE PLATFORM

Designed to be seamlessly embedded into your products, providing unparalleled
real-time data-driven solutions for your business needs

Risk

Greater predictive power, 100% hit-rate, lower cost of risk, higher approval
rate

Learn more →

Fraud

Top of the funnel data, real-time device velocity checks, predictive
behaviour-based scores

Learn more →

Marketing

Better user engagement with Personality-based and outcome-based marketing
campaigns

Learn more →

Data Enrichment

Granular and real-time behavioural insights for a deeper understanding of all
users

Learn more →

Credolab is the right choice for your business

Once embedded in your products, it delivers value across the entire
organisation. It also works as a standalone or as a complement to existing risk,
fraud and marketing solutions

Integration →


EXPERIENCE OUR SOLUTIONS

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app

Get the web based demo for free

Enter your email address to test it now




Try our demo app

Get it for free here



By using this tool, you automatically agree to our Terms and Privacy Policy.
Please review it for more information.




END-TO-END CUSTOMER LIFECYCLE

One integration brings multiple benefits along the entire customer lifecycle on
mobile and online

Application capturing

Capturing and processing applications

Enrich data
Build buyer persona
Improve conversion rates

Built for:

Marketing Teams

Onboarding

Credit/UW decision, fraud detection

Assess 100% of applications
Detect and prevent fraud
Improve quality of models

Built for:

Fraud TeamsRisk Teams

Engagement

Portfolio management

Optimise campaigns
Reduce customer attrition
Increase revenue per customer

Built for:

Marketing TeamsRisk Teams

Book a demo and learn how our alternative scoring can help you reach new
valuable customers




UNLOCK THE POWER OF BEHAVIOURAL INSIGHTS AND SCORES

Are you ready to modernise your business? Get in touch with us today and unlock
growth opportunities

Get a DemoTry for FREE


Subscribe to our newsletter

Join 25,000+ practitioners from risk, fraud and marketing teams discovering
behavioural data insights



© All rights reserved.




ALTERNATIVE RISK SCORES BASED ON DEVICE AND WEB BEHAVIOURAL METADATA

Assess the probability of default of 100% of your customers with very
predictive, top-of-the-funnel, real-time behavioural scores.

Embedded scoring that integrates with your product seamlessly

100% predictivity with 0% personal data to score customers

Full compliance with local data privacy laws, including the CGPR



Book a demo and learn how our alternative scoring can help you reach new
valuable customers


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