Bank-grade Digital Scorecards Based on Mobile Device Data

CredoLab develops bank-grade digital scorecards for banks, consumer finance companies, auto lenders, online and mobile lenders, insurance companies, and retailers. Built on mobile device data and powered by AI, our machine learning algorithm yields secure and customised scorecards developed on your credit outcome data, boosting your Gini coefficient.

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People CredoLab have helped

Watch CredoLab Transforms an Everyday Item Into a Powerful Predictive Tool

CredoLab analyses thousands of characteristics from a user’s smartphone, turning this data into highly-predictive behavioural insights beyond traditional credit scoring.

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E-Book: Machine Learning Driven Credit Risk Modelling

CredoLab is at the forefront of innovative risk management practices that engage with novel credit risk modelling approaches availed by the surge in cell phone use. This e-book reports the findings of Dr Xiaofei (Susan) Wang, Lecturer and Research Scholar, Yale University from a review she did on CredoLab’s scoring model. She considered a vast array of alternative approaches for the various different steps of the pipeline and found favourable results, including when applied to real data.

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Some Brands Making Better Credit Decisions with CredoLab

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For Lenders

CredoApp uses alternative data to build customised credit-risk scorecards, which are tailored to the individual lender and any particular product they intend to market. You receive a customised scorecard that you wont find replicated elsewhere, giving you the comfort to expand into new market segments with full knowledge and understanding of the risk levels.

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For Channel Partners

Channel partners can white label CredoApp and offer a turnkey alternative credit scoring solution to their customers.

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For Data Partners

We work with comparative websites, mobile wallet providers, online retailers, loyalty program providers, and online publishers to leverage their knowledge of their existing customers to enhance CredoLab’s predictive models.

Revolutionise your lead generation and improve returns across all your marketing initiatives: from new-to-bank, to loyalty, and even cross-sells.

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Most Innovative Company in Machine Learning 2019

Rise BETA Startup 2019

Ping An Accelerator 2019

Top 5 "Race to the Top" Fintech Company 2019

Excellence in Finance Companies 2019

CredoLab Among the Top Alternative Lending Startups In Singapore

CredoLab Nabs Spot in Plug and Play’s Pioneer Singapore Fintech program

Singapore's 29 Hottest Fintech in 2019

Singapore Business Review's 20 Hottest Startups 2018

Get in touch

Find out how we can make a difference today.

For any queries you may have, E-mail us at:

Capital Tower,
168 Robinson Road,
Singapore 068912

+65 63407748

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