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Build any credit product. Launch in weeks.
MO Technologies and Credolab deliver an agile modular lending system for rapid credit product launch. Combine MO's modular LMS with our alternative credit scoring algorithm for a turnkey solution targeting inclusive digital credit use cases.
type
Website
Business Model
Risk Decision Engines, eKYC
Territory
Latin America
what you get
Lending stack + Behavioural insights and scores
What you will achieve
Six outcomes and benefits. Only from partnership with MO Technologies and Credolab.
configurable
Build the credit product you want
Create tailor-made offer configurations with over 1,000 parameters supporting revolving credit, instalment loans, BNPL, MCA and more.
risk
Sharper, more accurate underwriting
Credolab's behavioural score enriches every credit product MO operates — without re-architecting.
speed
Agile deployment in weeks
Integrate with the REST API with full support for a quick time-to-market, plus ongoing deployment as the product evolves.
coverage
Score thin-file and no-file applicants
Behavioural data brings new-to-credit and unbanked customers into scope across LATAM and beyond.
privacy
Privacy-first by design
credoSDK operates on consented, anonymised behavioural metadata. No PII, no app content, no contacts.
LAAS Platform
Lending as a Service
Centralised platform for loans and collections management with an API-centric approach
How it works: digital onboarding
Simplify the application process, reduce integrations, and save time for IT teams.
01
Onboarding
Applicant submits through MO's onboarding flow.
02
Origination
Credolab scores; MO routes to the right credit product.
03
Servicing
MO Technologies manages the loan lifecycle on its API-centric LMS.
04
Collection
Credolab’s behavioural signal informs pre-collection triage.
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
MO
or connect with them directly.