Better risk, fraud, and marketing decisions

Unlock behavioural data analytics and grow your business with 100% predictivity and 0% personal data.

The choice of 150+ financial companies, banks and fintech unicorns

Why credolab?

Deep insights for credit risk, fraud, and marketing based on alternative data and delivered via a single API

Reduce cost of
risk and fraud

Shorten the
time to "yes"

100% predictivity
with 0% personal data

Grow revenue

Expand audiences

Detect high-risk applicants

Test our solution

Try the web demo

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Try our demo app

Get it for free here

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Take your results to the next level

Super-light and easy to integrate solutions based on
mobile device and web behavioural metadata.

Up to 21.9%

Decreased cost of risk/fraud

<1 Second

Faster time-to-yes

Up to 32%

Increased approval rate

Up to 28%

Decreased cost of acquisition

Up to 40%

Increased predictivity (GINI uplift)


Deep insights based on mobile device and web behavioural metadata

Risk Scoring

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

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Fraud Detection

Top of the funnel, real-time device velocity checks, predictive anti-fraud scores

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Marketing Segmentation

Granular and fresh behavioural insights for a deeper understanding of all your users

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Credolab is the right choice for your business

Once embedded in your digital channels, it delivers value across the entire organisation. It also works as a standalone or on-top of existing solutions, including open banking and credit bureaus.

End-to-end customer lifecycle

One integration brings multiple benefits along the entire customer lifecycle

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

Built for:


Portfolio management

Optimise campaigns
Reduce customer attrition
Increase revenue per customer

Built for:


The choice of financial companies and fintech unicorns

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."

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."