Growing businesses through digital transformation

Credolab and NIU Solutions joined forces to provide integrated disruptive solutions catering to financial institutions. Using Credolab’s Embedded Scoring Technology and NIU’s proven expertise in the financial services digital transformation, we help banks, insurance companies and credit unions improve their loan screening process. As partners, we create tailored experiences for potential customers, better quality leads and therefore, greater revenue.

Why Should This Excite You?

Increased Approval Rate

Alternative scoring provides reliable complementary data for the loan application analysis.

Lower Acquisition Costs

Integrating predictive technology into the application screening optimizes the onboarding process.

Enhanced Customer Experience

Better data enables a seamless customer experience and increases positive sentiment.

Optimized Campaigns

Enriched data enables more accurate buyer personas and deeper insights for marketing campaigns.

Data Privacy Protection

Comply with privacy laws and regulations processing only consented, anonymous behavioral metadata.

Lower Cost of Risk

Highly predictive data allows more effective risk scoring and more accurate fraud detection.






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.

Discovering modern credit risk scoring in buy now, pay later

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How do we fit into your business model?

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