Empowering Financial Inclusion with BRAVE

Credolab and Círculo de Crédito have united to enhance financial inclusion with innovative credit risk and fraud scoring solutions in Mexico.

A vast array of data and metadata resources exists in Mexico. Unfortunately, most remain either under-utilised or completely untouched. To tackle this challenge, this partnership introduces an exclusive Digital Behavioural Analysis Solution, 'BRAVE' – a Behaviour, Risk, Authentication & Validation Engine. 

BRAVE offers a groundbreaking solution that harnesses the power of Behavioural Analytics. It analyses metadata from applicants' digital behaviours and uncovers invaluable behavioural insights to enhance risk and fraud assessments.

Why Should This Excite You?

Improved Predictive Power

Enhance the ability to predict creditworthiness and risk using comprehensive behavioural analytics.

Improved Risk and Fraud assessment

Detect any borrower’s likelihood to default for thin-file applicants, gig economy workers, millennials, small businesses, and unbanked individuals.

Gain Advanced Behavioural Insights

Leverage credolab’s proprietary insights combined with Círculo de Crédito’s award-winning credit bureau reports.

Swift Response Time

Reduce time for crucial decision-making to ensure a more responsive and frictionless customer experience.

Reduced Costs

Streamline your digital onboarding journey and reduce unnecessary costs due to undetected fraudulent attempts.

Expanded Share of Scorable Population

Increase the penetration of credit reporting data to cover any individual, even those previously unknown to the credit bureau.






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.

How does this partnership work?

About BRAVE by Credolab

An exclusive Digital Behavioural Analysis Solution

BRAVE is a sophisticated behavioural analytics solution designed to thrive in the mobile and online landscapes. It harnesses the vast availability of behavioural metadata, offering real-time information and insights to empower better risk and credit decisions.

SDK Integration

Operates through SDK Integration for Android, iOS, and web platforms

Data Collection

Collects 100% privacy-consented behavioural metadata

Behavioural Analytics

Seamlessly tracks user behaviour

Enhanced Experience

Ensures 100% frictionless digital experience

2023 Expert Guide:
The Importance of Financial Inclusion Strategies and Policies

Explore this introduction guide to financial inclusion with a focus on LATAM (a snippet into Mexico) and APAC, the initiatives implemented and the overall challenges of financial inclusion.

Score every Mexican with BRAVE

BRAVE enable any bank, neobank, digital lender, BNPL player to assess 100% of their incoming applicants

People without credit history (NTC)*

Enable financial institutions to extend credit to New-To-Credit* individuals lacking a credit history, fostering financial inclusion.

Fraud Evaluation

Bolster fraud detection and prevention efforts with insights derived from behavioural analytics.

Credit Card Issuers

Empower credit card companies with a more accurate assessment of applicant risk.

Getting to know fraud detection:
How to use insights gathered

Learn how using machine learning and artificial intelligence applied to dynamic, fresh and real-time data gives the ability for analysis and utilisation to obtain insights and create more accurate behavioural models.

How do we fit into your business model?

Arrange a meeting with us to discuss