Credolab and ZOLOZ Partner to Strengthen Digital Identity and Fraud Prevention for Financial Institutions

The partnership combines ZOLOZ’s AI-driven identity verification with Credolab’s behavioral metadata analytics, enabling lenders and digital platforms to onboard customers faster, detect fraud earlier, and make smarter credit decisions

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SINGAPORE / MIAMI, (November 12, 2025) – Credolab, a global leader in behavioral and device-metadata analytics, and ZOLOZ, a leading technology service provider specializing in AI-powered Risk Control Solutions, today announced a strategic partnership to deliver a moresecure and seamless digital onboarding experience for financial institutions and fintech platforms worldwide.

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Fraud remains one of the fastest-growing threats to digital finance. According to Alloy’s 2025 State of Fraud Report, 60% of financial institutions reported an increase in fraud over the past year, with credit card fraud, account takeover, and identity theft leading the surge. The same report, citing Federal Trade Commission data, found that consumers lost more than $12.5 billion to fraud in 2024—a 25% annual jump. Beyond direct losses, the LexisNexis True Cost of Fraud Study revealed that U.S. financial institutions now lose $5.75 for every $1 of fraud, once compliance, recovery, and reputational costs are factored in. As fraud sophistication rises, financial institutions are under pressure to prevent attacks earlier in the user journey without adding friction for legitimate customers.

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Credolab and ZOLOZ will deepen their collaboration on privacy-preserving and behavioral intelligence technologies. Credolab’s privacy-preserving behavioral and device intelligence combined with ZOLOZ’s digital identity platform helps clients detect fraud risk earlier and approve customers faster while keeping user journeys seamless and secure. The partnership is intended to speed decision-making, reduce friction, and strengthen overall prevention of abusive or fraudulent activity.

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“This collaboration bridges two essential layers of digital trust: who the user is and how they behave,” said Michele Tucci, Chief Strategy Officer and co-founder of Credolab. “By combining ZOLOZ’s identity verification with our behavioral intelligence, lenders can identify risk earlier in the user journey, reduce fraud losses, and create a frictionless onboarding experience for legitimate customers.”

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“At ZOLOZ, our mission is making trust simple. Through our partnership with Credolab, we aim to help more companies implement reliable digital identity verification—making services more accessible and trustworthy for everyone,” said William Yao, CTO of ZOLOZ.

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Both companies share a vision of making digital finance more secure, inclusive, and intelligent. Credolab’s analytics platform has processed more than 650 million datasets globally, helping clients improve credit-approval rates by up to 20% while reducing default losses by 15%. ZOLOZ’s identity-verification technology is trusted by major financial institutions and digital platforms across Asia and beyond. Together, they deliver a unified, privacy-compliant, AI-driven solution that enables organizations to onboard more customers safely, without compromising user experience.

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Press Contact
Joe Krasean, joe@blackunicornpr.com
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About Credolab
Credolab is a global leader in behavioral and device-metadata analytics, redefining informed decision-making in the financial-services sector. By delivering predictive insights and scores for credit risk, fraud prevention, and marketing, Credolab gives financial institutions a holistic view into every stage of the customer journey so they can make smarter decisions about onboarding, underwriting, and communication. Founded in 2016, Credolab operates globally with offices in Singapore and Miami, serving nearly 100 clients across the United States, Latin America, Southeast Asia, and EMEA. Learn more at www.credolab.com.

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About ZOLOZ
ZOLOZ is a global leading technology service provider of AI-powered Digital Identity Verification Solution owned by Ant Digital Technologies. ZOLOZ is committed to
supporting clients to make trust simple throughout the full circle of serving end users, from remote account opening to on-going transaction protection. Combining AI,
biometrics, and privacy-preserving technologies, ZOLOZ enables digital trust at scale for financial institutions, fintechs, and e-commerce platforms worldwide. Learn more at www.zoloz.com.

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