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Launch a digital bank. In months, not years.
Mambu and Credolab combine cloud-native banking with AI-powered alternative credit scoring. From Mambu's composable core to our real-time behavioural score, the shortest tested path from product idea to first approved customer.
type
Website
Business Model
Cloud Banking, Composable Core
Territory
Global
what you get
Cloud banking core + Behavioural insights and scores
What you will achieve
Six outcomes and benefits. Only from partnership with MAMBU and Credolab.
decision
Sharper, faster decisions
Shorten the time-to-yes from days to under a minute with creditworthiness assessed in real time.
risk
Decreased cost of risk
Increase the accuracy of credit decisions with alternative scores based on behavioural biometrics and device metadata.
speed
Go to market faster
Go cloud-native, secure and compliant in months, not years.
experience
Drive better customer experience
Create journeys that enable financial literacy and access to insurance and financial services for qualified and interested users.
privacy
Complete data privacy
credoSDK operates on privacy-consented, anonymised behavioural metadata. Zero personal data, zero PII.
flexibility
Increase flexibility and agility
Get the freedom to quickly combine and change solutions whenever the business demands it.
How it works: digital onboarding
Simplify the application process, reduce integrations, and save time for IT teams.
01
credoSDK in the journey
iOS, Android, web — embedded in the front-end of Mambu's clients.
02
Score to Mambu
Behavioural scores passed to the Mambu workflow API.
03
Policy in Mambu
Combine our score with your existing rules and bureau pulls.
04
Decide and launch
Approve, refer, decline. All in the same Mambu session.
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
Mambu
or connect with them directly.