For banks, consumer finance companies, auto dealers, online and mobile aggregators, insurers, and retailers
Create credit scores from predictive behavioural data
Across over 50 lending partners in more than 15 countries
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CredoLab uses smartphone metadata to build a comprehensive user behavioural analysis in real time.
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.
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.
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.
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.
Improve decision making using CredoLab’s customer behaviour insights, such as Lifestyle Segmentation, Wallet Insights and CreditShopper.
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.
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.