SEE BOTH - ABILITY AND INTENT.

Pave’s cash-flow intelligence works alongside Credolab’s behavioural scoring to give lenders a broader view of each digital applicant. Pave helps assess the ability to repay, while Credolab adds early behavioural signals connected to intent.

Get in touch with us
type
Website
https://www.pavefi.com
Business Model
Cash-flow intelligence
Territory
United States
what you get
Cash-flow intelligence + behavioural risk scores
CASE STUDY

What you will achieve

Six outcomes and benefits from using Pave and Credolab as independent, complementary data sources.

ABILITY
Understand ability to repay
Use cash-flow data to understand income, affordability and financial stability—even when traditional credit history is limited.
INTENT
Identify intent earlier
Credolab adds behavioural signals from the digital application journey, helping identify risk before bank-account data is connected.
COVERAGE
Score all eligible digital applicants
Credolab generates a behavioural score for 100% of eligible digital applicants, including those with thin or limited credit files.
FRAUD
Strengthen fraud detection
Distinguish applicants who may be unable to repay from those whose behaviour may indicate that they never intended to repay.
DECISIONING
Make more informed decisions
Use Pave and Credolab as independent inputs within the lender’s existing risk policy. The lender decides how each signal should influence the final decision.
GROWTH
Serve more customers safely
Build a more complete view of applicants and expand access without relying only on traditional credit data.

Use cases

Names are private. Results are public.
See the data-driven transformations we’ve powered for the world's biggest lenders.

Complement Bureau Scores
Strengthen ID Verification
Improve Fraud Detection
Complement Cash Flow Data
Our partners in industry:
22%
fraud costs
Uses richer, more accurate risk portraits for thin-file segments to improve fraud detection, promote financial well-being and trust, and reduce avoidable losses.
32%
approval rate
Improves predictive power beyond bureau data alone, helping lenders safely approve more applicants at scale. As of now, over 20 million Mexicans have access.
Challenge:
Limited predictive signals remain a core pain point for many financial institutions, especially when bureau data is thin or missing.
Solution:
The credit bureau combined its traditional data with Credolab's privacy-consented behavioural and device metadata and signals, using web and mobile data credit scoring to extend financial inclusion across the country.

B2B clients, including banks, retailers, and fintechs, can deliver stronger predictive power, improving their scores to assess borrower's likelihood to default.
Our partners in industry:
TransUnion logo
Fraud scoring powered by 6B+ unique consumer devices
Combines TruValidate network intelligence with behavioural patterns to strengthen fraud scoring and velocity checks during onboarding.
Mitigate fraud risks
Identifies red flags such as suspicious devices and account linkages during onboarding, and turns them into granular customer insights.
Challenge:
Vetting and screening loan and credit card applications is complex, time-consuming, and costly.
Solution:
Credolab complements TU's anti-fraud solution, TruValidate.

Loans and credit card applications now have a comprehensive solution that modernises fraud prevention and credit risk assessment, leveraging next-gen risk intelligence to detect and prevent fraud during onboarding.
Our partners in industry:
100% of eligible digital applicants scored
Credolab provides an early behavioural score for every eligible digital applicant—even before bank-account data is connected.
Stronger first-payment fraud detection
Credolab adds intent signals and Pave adds cash-flow context, helping lenders distinguish applicants who may be unable to remit from those who never intended to remit.
Challenge:
Gig workers often have irregular income and limited traditional credit data, making it difficult to distinguish financial risk from first-payment fraud.
Solution:
Credolab’s behavioural intelligence helps assess intent, while Pave’s cash-flow data helps assess the ability to remit. Together, these independent signals provide a stronger view of each applicant while the lender retains control of its risk policy and final decision.
Our partners in industry:
20%
false positives
Adds a stronger confidence layer at onboarding, helping teams approve more legitimate applicants without compromising controls.
15%
default losses
Filters higher-risk applicants earlier, reducing downstream losses and manual remediation.
Challenge:
Fraud is getting more sophisticated, forcing earlier intervention without adding friction for legitimate customers.
Solution:
We combine ZOLOZ’s AI-driven identity verification with Credolab's device and behavioural intelligence.

Lenders and digital platforms can now implement reliable digital identity verification to onboard customers faster, detect fraud earlier, and make smarter credit decisions.

How it works: digital onboarding

Pave and Credolab provide independent signals that strengthen the lender’s existing decision process.

01
Integrate both data sources
Add Credolab to the digital application journey and connect Pave’s cash-flow data.
02
Generate independent signals
Credolab generates an early behavioural score, while Pave analyses the applicant’s cash-flow information.
03
Validate each signal
Test how each data source performs independently and alongside the lender’s existing risk model.
04
Apply the lender’s policy
The lender receives the available signals independently and decides how to use them.
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 
Pave
 or connect with them directly.
Contact partner