Credolab processes only 1st party, privacy-consented, and permissioned metadata

That's right. We deliver super predictive risk, fraud, and marketing insights without having to know the identity of your customers

Types of data we can collect

Whether for risk assessment, fraud detection, or marketing segmentation, our SDKs collect only privacy-consented, anonymous, and depersonalised digital footprints without any file or Personally Identifiable Information (P.I.I.) ever leaving your mobile app or website

Device info

Metadata related to hardware, Operating System version, phone settings, SIM card settings, and similar

Apps

Metadata related to the number of apps installed, break-down by category, latest apps installed, list of tracked apps, etc.

Calendar events

Metadata related to events created with specific characteristics such as organised, confirmed, number of attendees, etc.

Contacts

Metadata related to the address book along with specific characteristics including the presence of special tone, favorites, etc.

SMS

Metadata related to SMS sent or received, total inbox and outbox, from known numbers (without reading actual messages)

External storage

Metadata related to the media created or downloaded by the user including music, videos, images, selfies, and similar

Keystroke patterns

Metadata related to the typing speed and cadence, latency, dwell time, number of times a field is deleted and typed again (including the income field), copy/paste actions, etc.

UI Interactions

Metadata related to the time spent to apply or fill in the registration form, hesitation to click "submit", number of re-entries, usage of "Tab" key vs. mouse or finger, etc.

Gestures

Metadata related to the way the mouse/finger is used, scrolling speed, number of down/up scroll, erratic or nervous movement, number of times the pointer leaves the browser session, etc.

Device info

Metadata related to hardware, Operating System version, phone settings, etc.

Audio

Metadata related to the number of audio files stored, last ones played, last added, and info about podcasts, etc.

Media

Metadata related to media created or downloaded by the user including videos, images, selfies and similar

Calendar info

Metadata related to events with specific characteristics such as organised, confirmed, number of attendees, etc.

Reminders

Metadata related to reminders created with specific characteristics such as number of attendees, etc.

Contacts

Metadata related to the address book along with specific characteristics including special tones, favorites, etc.

Keystroke patterns

Metadata related to the typing speed and cadence, latency, dwell time, number of times a field is deleted and typed again (including the income field), copy/paste actions, etc.

UI Interactions

Metadata related to the time spent to apply or fill in the registration form, hesitation to click "submit", number of re-entries, usage of "Tab" key vs. mouse or finger, etc.

Gestures

Metadata related to the way the mouse/finger is used, scrolling speed, number of down/up scroll, erratic or nervous movement, number of times the pointer leaves the browser session, etc.

Keystroke patterns

Metadata related to the typing speed and cadence, latency, dwell time, number of times a field is deleted and typed again (including the income field), copy/paste actions, etc.

UI Interactions

Metadata related to the time spent to apply or fill in the registration form, hesitation to click "submit", number of re-entries, usage of "Tab" key vs. mouse or finger, etc.

Gestures

Metadata related to the way the mouse/finger is used, scrolling speed, number of down/up scroll, erratic or nervous movement, number of times the pointer leaves the browser session, etc.

How we process data

Only 1st party data

We are an embedded technology provider and process only the data we know works via our proprietary mobile and Web SDKs. We do not buy data from anyone.

With privacy consent

We only process metadata after we have received the opt-in privacy consent of the user. Without this, our tech does not work.

With permissions

We only process metadata after we have received the permission of the user to do so. Without this, our tech does not work.

Designed with data protection from the ground up

Credolab does not collect any personal data

We can deliver our risk, fraud and marketing scores and insights without knowing the customer's name, address, or email. No personal data is ever collected or processed by credolab or shared by our clients with us.

Credolab does not collect any sensitive data

We can assess the probability of a borrower to repay, flag possible fraud, and enrich your marketing segments without having to know the customer personal data.

Credolab does not require customers to login into their social media accounts

We can deliver our risk, fraud and marketing insights without the need to look up their social media activity or tracking what they do in other apps.

Platform

Deep insights based on mobile device and web behavioural metadata

Risk Scoring

Greater predictive power, 100% hit-rate, lower cost of risk, higher approval rate

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Fraud Detection

Top of the funnel, real-time device velocity checks, predictive anti-fraud scores

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Marketing Segmentation

Granular and fresh behavioural insights for a deeper understanding of all your users

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Credolab is the right choice for your business

Once embedded in your digital channels, it delivers value across the entire organisation. It also works as a standalone or on-top of existing solutions, including open banking and credit bureaus.