Building the future of behavioural analytics based on mobile device and web metadata

Initially focused on alternative risk scoring for banks and lenders, today credolab is the largest data analytics platform based on smartphone and web behavioural metadata available to any company with a mobile app and a website.

Trusted by the World’s Biggest Brands


Digital Footprints




Personal Data

Our story

Credolab stands at the forefront as a leading Data and Analytics platform, modernising decision-making processes in risk assessment, fraud detection, and marketing strategies across diverse sectors such as banking, digital lending, and insurance.

Our solutions harness proprietary behavioural biometrics and device fingerprint metadata derived from privacy-consented, non-personal, and anonymised smartphone and web interactions. With our proprietary Machine Learning algorithms analysing over 80,000 privacy-consented data points from smartphones and web interactions, Credolab delivers real-time scores and rich consumer behaviour insights through a unified API.

This empowers precise and data-driven decisions, leading to:
• Improved risk assessment with alternative risk scores, offering higher predictive capabilities to identify potential defaulters, resulting in increased approval rates and decreased risk costs.
• Enhanced fraud detection through fraud scores and checks, efficiently identifying fraudulent applications and usage to mitigate fraud costs.
• Actionable marketing insights drive more effective lead generation and campaigns, optimise conversions and enhance marketing spend.
• Enriched data, transforming digital footprints into highly predictive insights and scores to deepen customer understanding.

Established in 2016, Credolab has achieved global expansion, with offices strategically located worldwide and a team spanning 11 countries. Serving a client base of over 200 in 52 countries, our commitment to continuous innovation is evident in delivering solutions that propel business success, champion financial inclusion, and foster a positive impact on the bottom line across diverse industries.

Our mission

How we affect that future - what we seek to get done

CredoLab improves people’s lives by powering every credit decision.

Our vision

How we see the future -
why we do what we do

Easy access to fair credit for all.

Our values

How we do what we do in pursuit of our goals

Audaciously Driven. Credolab employees are proactive in identifying opportunities for improvement and client insight. They are cost conscious, clear on company and personal goals, keep them in mind and drive toward them. They don’t give up easily and are curious, digging deeper to find answers rather than giving up.Reliable. As a SaaS business, Credolab must deliver reliability to our customers to remain in business. Credolab employees have a high level of personal accountability. We know we can rely on one another to complete tasks accurately, proactively and in a timely manner.

Optimistic. Credolab employees approach topics with an open mind, ready to look at different options and alternatives. They always seek solutions and  ways to deliver, never excuses.

Curiously Intelligent. Curiosity enables us to understand our clients’ needs and develop useful business solutions. Credolab employees keep an open mind. They ask challenging questions because they’re the right questions. They are domain experts who look beyond obvious solutions to deeper principles or applications.

Client Centricity: Credolab employees start with the client and work backwards. They work vigorously to earn and keep client trust. Although they pay attention to competitors, they obsess over clients to generate long-term value instead of short-term results. They are externally aware and look for new ideas from everywhere to find ways to improve and simplify existing processes. They think differently and constantly look for ways to serve clients increasingly better.

Our team

The people behind the magic at credolab

Peter Barcak

Founder & CEO

Michele Tucci

MD Americas, Chief Strategy Officer

Pavel Herber

Chief Operating Officer

Dmytro Kurov

Chief Technology Officer

Pär Svälas

Managing Director Global Sales

Our office locations

The people behind the magic at credolab



Czech Republic