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BETTER DECISIONS, FROM FRAUD DEFENSE TO FINANCIAL INCLUSION.
Credolab and TransUnion join forces to solve the dual challenge of digital onboarding. Harness TransUnion’s TruValidate through Credolab for advanced fraud prevention, or access Credolab’s behavioural scoring natively inside TransUnion’s TruEmpower suite.
type
Business Model
Loan Management Solution
Territory
Global
what you get
Bureau data + Behavioural insights and scores
HOW we WORK TOGETHER
Different ways to bring Credolab and TransUnion capabilities into your lending workflow.
Available via Credolab
TruValidate
Safeguard every digital touchpoint by unifying device-based cybersecurity and multi-layered fraud prevention. Offered directly through Credolab, TruValidate delivers a fast, robust first line of defense—stopping identity theft, device spoofing, and fraud at onboarding without adding friction for real users.
Powered by Credolab
TruEmpower
Expand credit access and evaluate thin-file applicants with confidence. Embedded natively with Credolab’s mobile SDK, TransUnion’s TruEmpower digital onboarding platform analyses real-time device interaction metadata to turn invisible or unbanked applicants into approved, lower-risk customers.
How it works: digital onboarding
Simplify the application process, reduce integrations, and save time for IT teams.
TruValidate
Allows access to multiple services and capabilities from data points to premium fraud defence using one single vendor - reducing time, costs and cumbersome processes
TruEmpower
By using the TruEmpower™ Financial Inclusion Suite, you can leverage robust risk profiling to better identify acceptable risk profiles. When applied to risk decisioning, alternative data shows many emerging credit individuals are lower-risk consumers who regularly pay their debt obligations.
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
What you will achieve
Six outcomes and benefits. Only from partnership with Transunion and Credolab.
coverage
Expand into new market segments
Improve access to new segments by approving new-to-credit and new-to-bank customers confidently — inside the TransUnion flow you already run.
risk
Decreased cost of risk
Increase the accuracy of credit decisions with alternative scores based on behavioural biometrics and device metadata.
speed
Faster decisions
Shorten the time-to-yes from days to under a minute with creditworthiness assessed in real time.
Fraud
Lower the cost of fraud
Highly predictive data enables more effective and accurate fraud detection. At onboarding, before underwriting starts.
privacy
Complete data privacy
credoSDK operates on consented, anonymised behavioural metadata. No PII, no app content, no contacts.
models
Improve model accuracy
Enrich existing credit models with predictive behavioural data. Sharper decisions, lower risk, on the same risk model.
Get in touch with our partners
Check out
TransUnion
or connect with them directly.