Driving digital originations together

CredoLab and ADEPT™ Decisions have created CredoDecide, a digital originations in a box solution. Through gamified mobile onboarding, the power of AI-driven alternative credit scoring algorithms, and a flexible decision engine, banking and non-banking financial institutions can open a digital originations channel in less than 60 days.

Why Should This Excite You?

One-Stop Digital Channel

Onboard customers easily and without friction with a digital solution that starts and ends on the same channel.

AI-based Credit Scoring

Assess unbanked and New-to-Credit customers with real-time alternative credit scores and fraud checks.

Lower Cost of Risk

Increase the accuracy of your credit decisions with AI and smartphone metadata to get higher approval rates at lower cost of risk.

Automated Banking Platform

Apply credit policies, generate pricing and credit terms automatically with this digital-savvy banking platform.

Quick and Efficient Solution

Go live and reap benefits of a 100% digital tool in weeks, not months with SaaS, cloud, and AI.

Monetize Digital Data

Maximise profits with an integrated digital originations channel.






How does this partnership work?

Digital Onboarding

TransUnion's digital onboarding solution simplifies the application process for customers, reducing the need for multiple integrations and saving time and resources for IT teams. In addition to identity verification, credoSDK is integrated into TransUnion's digital onboarding solution to confirm the affordability of the applicant and avoid risky lending procedures.

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Vetting and screening applications for loans and credit cards can be a complicated, time-consuming and expensive process. In collaboration with TruValidate, a TransUnion solution, credolab provides a comprehensive anti-fraud solution that can help detect and prevent fraud during the onboarding process.

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A comprehensive database of devices and fraud evidence:

In collaboration with TruValidate, a TransUnion solution, the fraud score algorithm is powered by the biggest network of devices and fraud reports in the world, with a base of over six billion unique consumer devices.

Identification of device and account linkages:

Identify suspicious devices from genuine ones and even the hidden connections between devices and accounts.

More secure than the traditional approach:

With a device metadata-led approach, it is possible to know the devices connected to the anonymous customer ID.

Agile in response and adaptability in collaboration with TruValidate:

The powerful and flexible business rules editor enables fraud analysts to react immediately to new threats.

To learn more about how to identify, assess and mitigate fraud risks with bespoke machine learning models, check out this comprehensive guide by our Customer Success Manager here.

Insights from a Former Risk Officer

Learn from a former risk officer how to develop sophisticated fraud detection models that understand a fraudulent action and its intention.

Maximise the power of integrated AI-backed digital scoring algorithms and a SaaS-based decision engine. Find out more here.

How do we fit into your business model?

Arrange a meeting with us to discuss