SEE MORE RISK BEFORE YOU ISSUE CREDIT.
RiskSeal’s predictive digital footprint data works alongside Credolab’s behavioural intelligence to give lenders a broader view of applicants before making a decision.
type
Website
Business Model
Alternative Data for Credit Risk
Territory
Global
what you get
Behavioural insights and scores + predictive digital footprint data
What you will achieve
Six benefits from combining independent intelligence from RiskSeal and Credolab.
RISK SEPARATION
More than traditional data reveals
Add behavioural and digital footprint signals to bureau and internal data to identify differences traditional models may miss.
APPROVALS
Approve with greater confidence
Identify applicants whose risk may be overstated by traditional data without simply relaxing existing risk policies.
LOSSES
Detect higher risk earlier
Access additional repayment-risk signals before credit is issued and act earlier in the onboarding journey.
LOCAL CONTEXT
Understand applicants in market
Use RiskSeal’s market-specific digital sources to add context relevant to local customers and lending environments.
INTEGRATION
Strengthen the existing stack
Add both intelligence layers alongside current bureau data, scorecards and decision engines without replacing existing infrastructure.
PRIVACY
Use data responsibly
Work with privacy-focused data practices supported by GDPR alignment and RiskSeal’s ISO/IEC 27001:2022 certification.
How it works: digital onboarding
Add two independent sources of predictive intelligence to the existing risk underwriting journey.
01
Capture behavioural signals
Credolab analyses consented device, session and interaction metadata during digital onboarding.
02
Add digital footprint data
RiskSeal analyses identity-linked signals across digital ecosystems, (email, phone, IP, subscriptions, etc).
03
Process the data
Credolab and RiskSeal provide independent risk signals to the lender’s existing decision engine.
04
Make the decision
The decision engine applies the lender’s rules and risk policy to make the final decision.
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
RiskSeal
or connect with them directly.