CredoApp Transforms an Everyday Item Into a Powerful Predictive Tool

CredoLab analyses over 110,000 features from a user’s smartphone, working in harmony with existing risk management processes and in compliance with local data privacy regulations to connect the dots that traditional credit scoring methods can’t.


Use Metadata to Mitigate Risk and Uncover Opportunities

CredoLab has developed CredoApp, a lightweight mobile app designed to collect the privacy consent of users and their behavioural data. CredoApp caters to the needs of banks, lenders and insurers alike.




Main Benefits

Lower Cost of Risk

Machine learning combined with digital footprint guarantees lower cost of risk

Faster Decisions

Radically improved Time-to-Yes: less than 1 minute, compared to days in manual process

Lead Generation

Enables lending to new categories of clients, previously uncovered by existing credit tools

credoapp installation

Zero Error Rate

Full automation of credit decision gives confidence in 100% application of credit policy

Risk Based Pricing

Can confidently lend to lower-risk clients at lower interest rate

Highly Predictive

Every scorecard is developed based on client’s own credit outcome data

CredoApp+ Bolt Ons

Maximise Insight Through Alternative Data

Whether you are an underwriter, collector, or marketer, CredoApp's additional bolt ons can help mitigate exposure to fraud, fast-track applications, improve collections and drive loyalty.


Detect the most common fraud types at application stage and reduce the non-starter population.


Identify the most appropriate channel and time to collect from delinquent customers and improve collections.


Drive loyalty and maximise revenue by targeting existing customers with pre-approved and tailored offers.

Contact us

CredoApp Lead Generation

Reach High Quality, Pre-Screened and Pre-Scored Leads Handpicked from Selected Partners

Move away from segmented targeting and take advantage of one-to-one qualified leads that already meet your specified criteria.

Data Partners

CredoLab selects leads from multiple partners in any given country.

credolab customers


Leads are offered pre-screened or pre-approved, tailored loan and credit card propositions.


CredoLab's proprietary algorithm matches prospective applicants to lenders and issuers based on their likelihood to be approved and risk profile.

Contact us

End to end journey

Lightning-fast decision making

CredoApp creates a rapid, seamless experience for the lender and the end-user.

Lender Registration & Applicant Notification

Bank registers the applicants in the system and notifies them to download the app to proceed with their application.

Applicant downloads CredoApp, grants permissions and initiates data collection

Applicant downloads the app, registers with their unique reference number and grants permissions to access their smartphone data.

Lender receives metadata and score results

Bank checks the status of all data records on the CredoLab portal, compiles data with their own and makes decision.

credolab phone

Client Experience

Simple as One, Two, Three.

With a hassle free client experience in under 60 seconds it couldn’t be easier!

credoapp installation

Download from the Google Play 

Lightweight and robust, CredoApp can be downloaded in an instant.

Enter Security and Reference Codes

After installation the applicant enters the application reference code and allows the required permissions. That's it!


After analysing the digital footprint from the smartphone CredoApp submits data either through a secure API or the web dashboard - depending on the lender’s choice of integration option - combining the power of big and traditional data to provide a more accurate credit score.

Integration optionsFAQ

Schedule a Demo

Let CredoApp Transform Your Business

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.