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ISSUE CREDIT CARDS TO EVERYONE. Anywhere. Whenever.
Visa and Credolab help financial institutions launch best-in-class credit card products, in mature markets and in countries without sufficient bureau coverage. We bring modern underwriting to new-to-credit consumers, millennials, and small business owners.
type
Website
Business Model
Card Issuing
Territory
Global
Customers
Banks, Credit Card Issuers, Fintechs
what you get
Credit Card + Behavioural insights and scores
What you will achieve
Six outcomes and benefits. Only from partnership with Visa and Credolab.
compliance
Privacy-first and compliant data
CredoSDK operates on consented, anonymised behavioural metadata. No PII and 100% compliant with policies and regulations.
risk
Decreased cost of risk
Increase the accuracy of credit decisions with alternative scores based on behavioural biometrics and device metadata.
speed
Drive faster credit decisions
Shorten the time-to-yes from days to under a minute with creditworthiness assessed in real time.
experience
Drive better UI/UX/CX
Create journeys that enable financial literacy and access to financial services for qualified, interested users.
innovative
Go truly digital
Digital banking solutions to streamline and effectively execute innovative plans, so issuers can focus on advancing their ideas.
network
Worldwide support
A global network of experts to ensure issuers have the resources to rapidly build cutting-edge products with world-class guidance.
How it works: digital onboarding
Simplify the application process, reduce integrations, and save time for IT teams.
01
Set up card
Issuer configures the Visa credit card programme.
02
Embed credoSDK in the workflow
iOS, Android, web, embedded in the issuer's onboarding journey.
03
Real-time scoring
Behavioural score returned inside the application flow.
04
Decide and implement
Approve, refer or decline for any card issued in the same session.
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
Visa
or connect with them directly.