FAQ

Where should I trigger the SDK?

It depends on your use case.
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These are few common examples from our clients:
   A. Trigger the SDK during the “submit application” action to collect data  for the registered customer.
   B. Trigger the SDK at landing/log-in page to collect data for all  users.

What happens after the SDK integration is completed?

After the SDK is successfully integrated, you need to push an app update for it to start collecting data.

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What is a reference number?

Reference number is used as a dataset identifier in the credolab server. Client will use this reference number to retrieve insights (score & fragment).
The reference number is generated during data collection process by SDK.

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What combination should I use for reference number?

It depends on your use case.
Most of our clients is using the combination of the Loan ID or User ID + Timestamp.

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What happen if the reference number is not unique?

If specified reference number isn’t unique, the data collection is terminated with an error message.

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Сan we track the location of the device for SDK?

No,  credolab SDK does not track location because it does not run in the background and it does not process personal data.

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How often is the SDK updated?

We update the SDK at least once per year to ensure that our clients have the latest technology compatible with the newest Operating Systems being announced (or released) and also have access to all the new data points we find during our R&D investigations. As soon as a new Android OS version is available, we test the current SDK first and implement changes only if needed. It is our commitment to inform you of the latest changes and guide you through the implementation options whenever required.

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What is the size of the average dataset?

The average datasets is about 117 Kb. Having said this, it is important to notice that the size of a dataset depends on the SDK version and on the permissions that are enabled. The more permissions the SDK has access to, the bigger the amount of data collected and the bigger the size of the dataset.

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Is there a limit, maximum dataset size that the SDK can send to the credolab server?

Yes,  although the average size of a dataset is about 117Kb, the maximum dataset size is 30MB.

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What are permissions in Android credoSDK that are available for trial?

According to the Google Play policy, some permissions are classified as  "dangerous" and some are not. Below find the list of the dangerous permissions that you can enable via our SDK:
   - Media (READ_EXTERNAL_STORAGE)
   - Contacts (READ_CONTACTS)
   - Calendar (READ_CALENDAR)
   - Registered Account (GET_ACCOUNTS)
   - SMS (READ_SMS)

And below find the list of all other permissions that are considered as  "non dangerous" and that you can enable via our SDK:
   - Application (QUERY_ALL_PACKAGES)
   - Bluetooth
   - Wifi (ACCESS_WIFI_STATE)
   - Fingerprint (USE_FINGERPRINT)
   - Internet

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For Android SDK, does credolab offer more permissions to Paid Subscribers?

Yes, on top of the permissions described above, we offer the additional ones listed below:
   - Usage Statistics (USAGE_STATS_SERVICE)
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Do note that, since these permissions are considered as very sensitive by Google, they can only be integrated in your app if your app has already been approved by Google. Although we might assist Paid Subscribers along the approval process, credolab is not responsible for the outcome.

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What happens in case of network failure while the SDK uploads data to credolab's server?

In case of error while uploading a dataset from the device to credolab's server, the  SDK returns the appropriate error code with the message. Do note that, in such a case, the upload action doesn't repeat automatically and, to avoid data loss, you need to call the upload data action manually.

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Should we expect any dormant extra memory, CPU, or increased battery usage when the app is not running or backgrounded?

No, credolab SDK does not run in the background and works/collects data only when triggered by the hosting app.

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What is considered as a dangerous permission in the Android SDK?

Dangerous  permission is the permission that can potentially affect the user’s privacy  or the device’s operation. Despite the fact that credolab does not collect or  process any personal data or personally identifiable information (P.I.I.),  declaring a dangerous permission in the app manifest is required when  integrating the SDK. Furthermore, the app user must be allowed allow/deny  such permission.

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Is credolab's SDK available in React Native?

Yes. Credolab's SDK can be easily integrated in a React Native environment. The guide for Android available here and iOS module is described here. Please speak to our Sales Representative here to learn more.

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What is considered as a normal permission in the Android SDK?

Normal or non-dangerous permissions are those permission that do not require any action by the app user.

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Is credolab's SDK available in Flutter?

Yes. Credolab's SDK can be easily integrated in a Flutter environment. The guide for Android available here and the project example is described here. Please speak to our Sales Representative here to learn more.

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Сan I customise the Android SDK permission(s) based on my requirements?

Yes, credolab's Android multi-modular SDK allows you to easily select which module(s) to enable/declare based on your business, existing permissions, use case, or requirements.

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Is credolab's SDK available in Ionic?

Yes, credolab's SDK can be easily integrated in Ionic environment. However, we do not offer such plugin to the free-trial user. Please speak to our Sales Representative here to learn more.

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What is the minimum Android version supported by credolab SDK?

The credolab SDK supports Android version 4.1 and above.

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Does credolab provide assistance with app publishing on Google Play?

Yes, we assist all our Paid Subscribers in publishing the app. We build and refine our knowledge by constantly monitor policy changes and also by testing the changes on our own apps before recommending implementation best practices.

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What permissions are available via the iOS SDK?

These are the available permissions:

- Audio (NSAppleMusicUsageDescription)

- Calendar Event (NSCalendarsUsageDescription)

- Contact (NSContactsUsageDescription)

- Photo (NSPhotoLibraryUsageDescription)

- Calendar Reminder (NSRemindersUsageDescription)

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Сan I customise the iOS SDK permission(s) based on my existing app or particular use case?

Yes, credolab provides the modular SDK and you can customise the permission according to the existing permission inside your iOS App. However, it is not available for testing in our trial version. Please talk to our Sales Representative to learn more about it.

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What is the minimum iOS version supported by the credoSDK?

The  minimum iOS version supported is iOS 9.0.

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Does credolab provide assistance with app publishing on App Store?

Yes,  we assist all our Paid Subscribers in publishing the app. We build and refine our knowledge by constantly monitor policy changes and also by testing the changes on our own apps before recommending implementation best practices.

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How do I obtain the insights from the data collected?

The insights can be retrieved via the single API we call "Dataset Insight API".

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How do I test the Dataset Insight API?

In order for you to test the Dataset Insight API you need to obtain the login credentials from credolab. To find out more, please refer to this link.

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What information is available inside the Dataset Insights API?

The Dataset Insight API v5.0 delivers the device information (e.g., device identifier, model, brand, whether it's repeated upload, etc.), the credoscore (or multiple scores), and the fragment(s). Depending on their particular use case and requirements, each Paid Subscriber has customised scorecard and fragments.

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What is a scorecard?

A scorecard is a statistical measurement of the relative credit risk profile of an applicant. The main purpose of credolab's scorecard is to create a ranking of applicants by estimating their probability to default. In accordance with credit bureau scorecards and scores, the higher the credolab score, the less likely the customer is to default.

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What scorecard is configured on the trial environment?

The trial environment is configured with a testing scorecard. The credit score generated is used for API testing only.

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What is the format of credolab score?

Credolab use standard FICO format to return the score.

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Can I use the testing scorecard to make a credit decision?

No, we don't recommend you to use the score calculated by the testing scorecard during the trial period. The credit score generated by the testing scorecard is for testing purposes only.

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What is a fragment?

A Fragment is any information or insight, besides the risk score, that can be extracted from the digital footprint of a device. This information or insight can be delivered only if the relative permission is declared via the manifest of your app.
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Sample fragments include:
- Number of applications in the "Gambling" app category.
- If the user has the "Facebook" app installed.
- Number of photos from camera.

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What fragment is configured on the trial environment?

We configured a sample fragments that currently are being used by some of our clients such as:

   - Device
   - Permission
    - Velocity
   - Installed Apps tracking
   - Contacts information

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Is the fragment customisable? What information can be shown?

Yes, Fragments can be customised depending on your requirements. However, customised fragments are only available to our Paid Subscribers.
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Sample fragments include:
- Number of applications in the "Gambling" app category.
- If the user has the "Facebook" app installed.
- Number of photos from camera.