CaSE STUDY: A Leading Neobank in Southeast Asia.

Southeast Asia's first purely digital neobank to hold a dedicated central bank license, operating on a 100% cloud-native model — delivering mobile-first savings and instant loans to one of the region's largest digital customer bases.

INDUSTRY
Neobanks/Challenger Banks
BUSINESS MODEL
100% Cloud-Native Digital Bank
REGION
Southeast Asia (SEA) /APAC
CUSTOMERS
Mass-market, mobile-first, underbanked
PRODUCTS
High-yield savings, instant loans
CHANNEL
Expand financial access to creditworthy thin-file applicants while maintaining high credit standards
Download case studyContact us

THE CHALLENGE

Despite rapid growth, the client faced significant hurdles in optimizing their lending operations

problem 1
High Risk
A steep 26% default rate was impacting portfolio health (30+ 6MOB)
problem 2
Low Conversion 
Lack of predictive data led to a single-digit (8%) approval rate.
problem 3
Inaccurate Scoring
Internal credit assessment struggled to distinguish creditworthy individuals 

Why Incomplete Data Still Creates Growth Barriers for Lenders

To grow responsibly, lenders need a broader and more predictive view of applicant risk. Even with alternative data sources in play, many current models are still missing one critical layer: behavioural data that reveals true intent and repayment capacity.

Traditional Bureau Coverage
35%
Smartphone Penetration
76%
Credolab Scoreable Population
76%
Smartphone penetration vs. bureau coverage
Asia consumer base
Source: GSMA Intelligence (2024) – The Mobile Economy Asia Pacific 2024

THE SOLUTION

Credolab Added a Behavioural Risk Layer to the Existing Proprietary Model.

STAGE 01
Acquisition
Mobile-first digital channels
STAGE 02
Onboarding
Identity, KYC, SDK init
STAGE 03 · CREDOLAB
Decisioning
Behavioural risk model + proprietary scorecard
STAGE 04
Disbursal
Instant loan booking & funding
STAGE 05
Servicing
Repayment & portfolio
monitoring

IMPLEMENTATION

Credolab was integrated into the client's decisioning workflow and delivered measurable
business impact within the first benchmarking cycle.

Historical data review

The client's existing portfolio and performance data were analysed to establish a benchmark.

Signal generation

Credolab generated behavioural and device-based risk signals from applicant data.

Model validation

The enhanced model was tested against the client's current decisioning approach.

Cut-off optimisation

Approval strategies and score thresholds were refined to match risk appetite.

Deployment

The solution was integrated into production decisioning
flows.

PERFORMANCE DETAIL

Side-by-side comparison of bureau-only baseline vs. bureau plus Credolab on the
same population, same observation window.

Metric
Before
After
Default Rate
26%
18.3% (−30%)
Gini
32
43 ( +11 )
Approval Rate
8%
9.6% (+20%)
Visibility beyond traditional credit data
Stronger thin-file assessment
Richer data variables and feature engineering
Improved predictive power and model lift
Real-time decisioning support
Fraud signal detection via device intelligence

Case Study Sheet

Get the Full Case Study

Go beyond the preview and explore:
Full implementation details | Results & business impact | Expert consultation included

Download

More Case Studies

Categoría
¡Gracias! ¡Tu envío ha sido recibido!
¡Ups! Algo salió mal al enviar el formulario.
July 1, 2026

Europe Case Study

A Leading BNPL Platform in Europe


Mobile Onboarding, Instant Decisions, Consumer Lending, Risk Management
This is some text inside of a div block.
July 1, 2026

Africa Case Study

A Leading Digital Bank in Africa


Mobile Onboarding, Instant Decisions, Consumer Lending, Risk Management
This is some text inside of a div block.
July 1, 2026

LATAM Case Study

A Leading Digital Credit Provider in Latin America

Mobile Onboarding, Instant Decisions, Consumer Lending, Risk Management
This is some text inside of a div block.

Sin resultados

¡Ups!

No se encontraron elementos.

Haz clic aquí para restablecer los filtros →