About Credolab

A behavioural risk scoring company that empowers lenders to grow with confidence. We analyse proprietary device and behavioural metadata, specifically how users interact with their devices, to assess credit risk and intent with 100% coverage.

Our mission

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

Our vision

Easy access to fair credit for all.

50+
Countries
200+ M
People scored
1+ B
Datasets
325+
Clients

From disruptive idea to global standard.

We don't just follow fintech trends; we set them. Our time line shows the evolution of credit risk, from early mobile metadata to GenAI-resistant intelligence and strategic partnerships with the world's largest bureaus and super-apps.

The birth of Credolab

We introduced Credolab to the fintech industry and established our first regional hub in Singapore, Southeast Asia.

Our early investors include FORUM Capital and Fintonia Group.

2016
Launched Mobile SDK for risk
(Android and iOS)
Launched Mobile SDK for risk
(Android and iOS)
2016
Winner of the Best Fintech Award in the ASEAN region
Our first award!
2019
Launched Web SDK
Our new SDK! We collect behavioural interactions metadata, a new source of proprietary data to better your credit risk assessment
2020
Secured Series A Investment
We raised USD 7 million in Series A investment round led by GBG.

Thank you to our investors Access Ventures and Walden International!
2020
Launched Fraud Intelligence Suite

Introducing a new product to enhance fraud detection.

Now, you can assess risk and eliminate fraud at a faster, yet more accurate, rate.
2020
Signed agreement with Tonik Bank
As a mark of our progress, we are proud to work with the largest neobank in the Philippines.
 

2020
Geographic Expansion: US & LATAM
We established our second regional hub in Miami, expanding financial inclusivity from SEA to the Americas.

By 2024, LATAM made up nearly 50% of our revenue.  
2022
Geographic Expansion: EMEA
We established our third regional hub in Dubai.

With this final expansion, we now approve more, risk less, on a global scale.
2022
Launched Marketing Intelligence suite
Introducing a new product to optimise marketing, for marketers. Now, you can even better marketing strategies with higher accuracy and prediction.As a mark of our progress, we are proud to work with the largest neobank in the Philippines.
 

2023
Signed agreement with Circulo de Credito
As a mark of our progress, we are proud to be partners with the leading credit bureau in Mexico.As a mark of our progress, we are proud to work with the largest neobank in the Philippines.
 

2023
Signed agreement with leading SuperApp in SEA
Another mark of success with our alternative credit scoring!

Together, we provide digital financial services to the unbanked.
 
2023
Achieved Profitability Status
After 8 years, our hard work and drive to success warranted great results.

(Include metrics?)
2024
Launched New Income Prediction Model

Introducing our new product model.

Lenders can now enjoy faster, privacy-safe and more inclusive way to digitally onboard applicants.
2025
New Partnership with Zoloz (Ant Digital Technologies)

We combine ID Verification with device and behavioural intelligence.

Together, we strengthen digital fraud prevention and enable earlier risk detection for financial institutions.
2025
Credolab turns 10!
Celebrating a decade of fintech innovation, global connectivity and success.
2026
We are not just looking back at where we have been; we are accelerating toward what's next.

Built by practitioners. Not just programmers.

Credolab was built on decades of heads-on experience in credit risk, banking, and digital payments. We are practitioners who have managed portfolios, sweated over write-offs, and scaled lenders profitably. We didn't just find a gap in the market; we fixed a flaw in the system.

Peter Barcak

Peter Barcak

Founder & CEO

Over 25 years of experience as a risk officer and entrepreneur. Formerly the CRO and Deputy CEO at Platinum Bank, with a foundational career at institutions like Citibank and Intesa Sanpaolo Bank.

Michele Tucci

Michele Tucci

MD Americas, Chief Strategy Officer

Over 25 years of international business development experience. Held leadership roles at FinstarLabs, Capital One, Mastercard, specializing in mobile products, payments, global market entry.

Pavel Herber

Pavel Herber

Chief Operating Officer

More than 15 years of deep-tissue credit and underwriting experience. He built his career at high-volume lenders like Home Credit and KBC, managing risk and portfolio performance.

Dmytro Kurov

Dmytro Kurov

Chief Technology Officer

15+ years of experience specifically developing credit risk and fraud models and solutions. A data scientist who has built the data architecture for risk engines at Platinum Bank and Zorallabs.

Pär Svälas

Pär Svälas

Managing Director Global Sales

Over 13 years of experience in GTM strategy and global sales operations. Former strategist at Ink, Pär has spent a decade scaling complex tech solutions across international markets.

Proud to have those investors

Innovation with a track record.

We didn't just join the behavioural intelligence conversation; we started it. From being named a Technology Pioneer by the World Economic Forum to winning global fintech challenges, our journey is built on a foundation of proven excellence.

World Economic Forum

Recognised as a Technology Pioneer for scaling financial inclusion globally.

Early wins

The first look at the tech that would eventually score millions.

Regional awards

Pioneering the digital credit landscape across emerging markets.