Banks

Lenders

Insurers

Aggregators

Automobile

Retailers

Airtime Lenders

Travel Bookings

Ride Hailing

General Info

Invite

Device

Granted Permissions

Invite Code

89-12-123456

Date

03/12/2019 15:50

Invited By

Laura Talavera

Device ID

12-65-345554

Device

Xiaomi Mi Mix (Android 7.0)

Device Age

1 year 3 months

Contacts

Identity

Calendar

Device ID

SMS

Phone

Email

Storage

Usage

Other

Application Score

Fraud Prevention

KYC

Score

742

Requested By

Laura Talavera

Very Good

Good

Average

Bad

Very Bad

Loan Stacking

Fake Bank Account

Fake Indetity

POA

ID

Fact Find

Most Used Applications

Application Types

Installed PDL Applications

Chrome

YouTube

Maps

WhatsApp

Music

Social

Others

Chrome

YouTube

Maps

WhatsApp

Music

Social

Others

Simple Money

07/06/2019

Pay Day Loan

09/08/2019

Easy Help

11/06/2019

Begin

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CredoApp

Bankgrade Digital Credit Scorecards based on Alternative Data

For banks, consumer finance companies, auto dealers, online and mobile aggregators, insurers, and retailers

AI Credit Scoring for the Unbanked and Underbanked

Thin file to Thick file

CredoLab uses smartphone metadata to build a comprehensive user behavioural analysis in real time.

Untapped Segments

CredoLab doesn’t rely on traditional scoring methods. As a result, our AI-based algorithm leverages on alternative data, which opens up an entirely new customer base for financial institutions.

Using AI to Convert Metadata into Credit Scores

AI Credit Scoring

CredoLab accesses privacy-consented and permissioned smartphone metadata — nearly 1,000,000 features — to detect predictive patterns. This alternative data is then converted into actionable credit scores.

Prioritising Customer Privacy

CredoLab uses non-intrusive & anonymous metadata to score customers. We are in full compliance with local data privacy laws, including GDPR. Our goal is to protect customer privacy while empowering them financially.

Real-time Scoring and Approvals

Unmatched Speed and Predictability

With scores generated within 3 seconds — and with a Gini coefficient of up to 0.6 — CredoLab’s bank-grade algorithm is the most predictive and efficient alternative credit scoring solution on the market today.

Deeper Insights for Better Decisions

Improve decision making using CredoLab’s customer behaviour insights, such as Lifestyle Segmentation, Wallet Insights and CreditShopper.

Tailor-made Credit Scoring

Quick, No Hassle Deployment

Go live in as little as 3 days using a white label app or our Web-based dashboard. CredoLab’s robust infrastructure enables you to quickly implement seamless digital onboarding journeys.

Multi-Industry Support

Use alternative credit scoring to make informed credit decisions across a range of industries, such as banking, consumer finance, retail, online & mobile lending, insurance, online aggregators, wallets, e-commerce and auto lending.

Awards