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Empower financial inclusion. With BRAVE.
Círculo de Crédito and Credolab have joined forces to enhance financial inclusion through innovative credit risk and fraud scoring solutions in Mexico. Together we introduce BRAVE — a Behaviour, Risk, Authentication and Validation Engine.
type
Business Model
Credit Bureau
Territory
Mexico
Customers
Banks, Neobanks, BNPL, Digital Lenders, Fintechs
what you get
Bureau data + Behavioural insights and scores
What you will achieve
Six outcomes and benefits. Only from partnership with Circulo de Credito and Credolab.
predictivity
Improve predictive power
Enhance the ability to predict creditworthiness and risk using comprehensive behavioural analytics.
risk
Improved risk, fraud assessment
Detect borrower likelihood to default for thin-file applicants, gig economy workers, millennials, small businesses and unbanked individuals.
speed
Drive faster response time
Reduce time for crucial decision-making to ensure a more responsive and frictionless customer experience.
insight
Advanced behavioural insights
Leverage Credolab's proprietary insights combined with Círculo de Crédito's award-winning credit bureau reports.
costs
Reduced cost of risk and fraud
Streamline the digital onboarding journey and reduce unnecessary costs caused by undetected fraudulent attempts.
scoring
100% scoreable individuals
Increase the penetration of credit reporting data to cover every Mexican applicant, even those previously unknown to the bureau.
How it works: digital onboarding
Simplify the application process, reduce integrations, and save time for IT teams.
01
SDK integration
Operates through SDK integration for Android, iOS, and web platforms.
02
Data collection
Collects 100% privacy-consented behavioural metadata.
03
Behavioural analytics
Seamlessly tracks user behaviour to identify risk and intent in real time.
04
Fully enhanced experience
Create a 100% frictionless digital experience.
Where Credolab sits in the journey
Identity, fraud and authentication stay with your existing stack. Credolab supplies the behavioural score, in the alternative-data lane, from proprietary device and interaction metadata — never personal data.
100%
Coverage — no thin-file gap
0%
Personal data processed
Get in touch with our partners
Check out
Círculo de Crédito
or connect with them directly.