Driving new standards of digital banking together

CredoLab partners with Fern Software to bring to you the best of digital banking software that solves the challenges of modern financial services. A fully integrated suite of financial products deployed either on-premise or in the cloud, this platform is expertly designed to enable you to reach more customers, cater better to existing customers, and improve the core banking business performance efficiently.

Why Should This Excite You?

Complete Digital Transformation

Get started instantly with the best of technology and open APIs that offer limitless power and possibilities.

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.

Lending and Portfolio Management Solutions

Easily manage loan portfolios and comprehensively track all interactions with clients and businesses.

Quick and Efficient Solution

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

Credit Bureau + Alternative Data

Have a 360-degree view of each applicant by using alternative data in addition to credit bureau data when underwriting.

Discovering modern credit risk scoring in buy now, pay later

Challenge accepted:
How challenger banks can grow profitably

Access this ebook now to learn more about the latest thinking and research on how BNPL can thrive.



This rule triggers when a device has been confirmed as fraudulent


This rule triggers when the device is on a blacklist


This rule triggers when an application originates from a location marked as risky


This rule triggers when inconsistencies are identified on a device


This rule triggers when the same device applies for multiple loans


This rule triggers when a device looks suspiciously like confirmed fraudulent devices


Crunches nearly 1 million behavioural features from opt-in metadata to generate credit scores

Device Risk

Uses device recognition and intelligence technology to track over 45 types of fraud and abuse

How do we fit into your business model?

Arrange a meeting with us to discuss