Finance every smartphone. Score every customer.

Equality and Credolab deliver disruptive technological solutions for handset device financing lenders. By layering our alternative credit scoring and anti- fraud tools onto Equality's turnkey solutions, lenders can launch and scale handset financing programmes across Latin America.

Get in touch with us
type
Website
https://www.equality.company/
Business Model
Handset Device Financing
Territory
Latin America
Customers
Consumer Finance, Digital Lenders, Banks
what you get
Profitable financial inclusion + Behavioural insights and scores

What you will achieve

Six outcomes and benefits. Only from partnership with Equality and Credolab.

Identity
ID validation, ten ways
More than ten ways to validate identities in the digital onboarding process — ID, photo,
blacklists, employment history, and more.
Scoring
ML-based credit scoring
Advanced risk assessment through smartphone metadata that protects customers' data privacy.
Funding
Funding as a Service
Real-time loan portfolio and cash flow analytics with automated eligibility rule reconciliation for secured funding.
Payments
Service payments and loyalty
Extend the frequency of use of credit lines and let customers pay for services on digital platforms.
Protection
Device protection
Extended warranty and damage coverage for financed smartphones — keep accidents off the past-due portfolio.
Collections
Device blocking platform
Automated collection, unlimited reminders and remote device blocking — even if the SIM is replaced or removed.

How it works: digital onboarding

Simplify the application process, reduce integrations, and save time for IT teams.

01
Customer applies
Onboarding starts in the Equality-powered merchant flow.
02
ID + Credolab signal
Equality verifies identity. Credolab scores the applicant. 
03
Device locking technology
Remotely control, restrict, or disable smartphones of delinquent users.
04
Lifecycle managed
Payments, protection and (if needed) remote blocking. All in one stack.
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 
Equality
 or connect with them directly.
Contact partner