Approve more. Risk less.
Real-time behavioural scores and insights that boost approvals and reduce losses, with zero personal data.
We are the scoring partner everyone wants, but not everyone wants to talk about. While these brands are proud to be public, many of our largest global clients prefer to keep their “unfair advantage” a secret. We do not mind; we are happy to be the power behind their “Yes.”
Number of Underserved Adults
Sound familiar?
lack of GOOD data?
If you are:
- Forced to reject too many applicants
- Rejecting high-risk and false positives
- Trapped in a cycle of data asymmetry
You are in the right place.
We are here to help you separate "no data" from "bad risk" and approve more creditworthy applicants.
Why we work
THE Behavioural edge
Integrate a layer of superior signals into your existing credit risk models. Identify risk and intent in real time, with zero PII and for 100% of your applicants.
- Boost predictive power by up to 45%: Add high-definition behavioural signals with real-time credit data solutions to distinguish your creditworthy borrowers from high-risk applicants.
- Increase approvals by up to 32%: Identify "hidden gems" in thin-file and no-file segments without touching your risk appetite.
- Reduce defaults by up to 50%: Flag high-risk behavioural patterns early and stop bad debt before it hits your books.
We take your data as seriously as you take your risk.
- ISO/IEC 27001 certified: Internationally recognised standards for information security.
- Encrypted: The metadata is protected at rest and in transit.
- Privacy compliant by design: We operate under a strict Data Processor Agreement. We collect data only after an explicit opt-in is received. No consent, no collection. Period.
Proven across 50+ countries.
Calibrated for yours.
Traditional data stops at the border; behavioural intelligence adapts to it.
We apply behavioural patterns learned across 50 countries to give you an immediate, locally calibrated advantage, wherever you lead.
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Approval rate
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Gauge our compatibility
Built to fit
A modular risk solution that fits into your existing workflow permanently. Not the other way around.
- Multi-layered protection: Choose the insights you need, when you need them. From alternative risk scores to insights that serve as defensive layer or power marketing segmentation.
- Seamless experience: Invisible to the user, configurable to your stack, and indispensable to your risk team and credit scoring platform.
Stop guessing. Start SCORing.
Why leave your growth to chance when you can lead with intelligence? Join the world’s most innovative lenders and turn behavioural scores into your biggest competitive advantage.
Frequently Asked Questions
Our credit bureau hit rates are low. How can we grow without them?
Credolab generates a predictive risk score for 100% of your applicants using privacy-safe device and behavioural metadata, not credit history.
We fill the gap, giving your risk team a consistent signal from day one. You grow the portfolio today; the bureau catch up tomorrow.
We already pay for ID verification, income data, and fraud tools. Why add Credolab to the stack?
By placing our intelligence layer at the start of the waterfall, you identify non-human threats and manipulated sessions instantly. You stop the "operational waste" and ensure your budget is spent only on genuine, high-quality humans that have a high probability of paying you back.
It’s a leaner funnel and a better bottom line.
Is this just another tracking tag? Where does it actually sit in the journey?
Credolab sits at the very start of the onboarding journey, analysing the integrity and user's intent in that session. We don't just identify the device; we assess the applicant’s willingness to repay.
It’s a scoring-grade decisioning tool that identifies the character behind the clicks, helping you reserve those costly downstream checks for the applicants who actually deserve them.
Will this require a massive overhaul of our existing risk models?
While our "sweet spot" is scoring thin-file applicants, our scores are equally effective at catching high-score "hit and run" fraudsters who have no intention of paying.
You can champion/challenge our scores against your existing setup or use them as a complementary layer. Either way, you get the score via a simple API, and our experts guide you through the process.
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