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.

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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.

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.

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.

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.

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.

Success stories

All-In-One Platform

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


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

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

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

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Data Enrichment

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

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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

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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:


Credit/UW decision, fraud detection

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

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Portfolio management

Optimise campaigns
Reduce customer attrition
Increase revenue per customer

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