We complement credit bureau data
Credolab gives lenders the only score that worked everywhere in the world and for everyone, on mobile and on the web.
Beyond the Bureau: A 360° view of risk.
The most accurate behavioural risk scores in the industry, built to grow your portfolio and protect
your funnel from bad actors in a single step.
all applicants
scorable user
approved user
bad user
We are the scoring partner everyone wants, but not everyone wants to talk about. While these brands are proud to be public, many of our largest global clients prefer to keep their “unfair advantage” a secret. We do not mind; we are proud to be the power behind their “Yes.”
3 simple steps to SCORE EVERYONE
Going from no-data to high-accuracy is faster than you think.
Here is how we turn your users’ digital footprints into a competitive advantage.
Phase 1
Integrate
Phase 2
Validate
Phase 3
Score
SDK Integration
We help your team deploy a lightweight SDK into your mobile app or web platform.
Instant Onboarding
We begin collecting anonymised, privacy-consented metadata immediately.
Instant Insight
Start receiving insights from the very first API call to see the impact right away.
Benefits:
By placing our behavioural intelligence layer at the very top of your waterfall, you instantly separate genuine human intent from non-human threats like bots, device farms, or GenAI agents.
The integrity check optimises your IDV and KYC spend by ensuring expensive identity checks are only triggered for real applicants.
Together with:
Credit bureau
Traditional fraud detection is reactive, but our behavioural interactions provides a proactive defensive layer against sophisticated deception. Credolab identifies malicious intent patterns that standard data points miss. By detecting scammers early, you can significantly reduce First Payment Defaults (FPD) and protect your portfolio from high-risk "False Positives".
Together with:
Fraud detection
Tailor-Made Models
Once we have collected enough performance data, we move from an off-the-shelf solution to a bespoke scorecard built specifically for your risk appetite.
Knowledge Transfer
We deliver a comprehensive analysis report and scorecard manual, followed by dedicated staff training, so your team is fully in control.
Benefits:
By combining traditional bureau scores with our behavioural data, you gain a deeper view of applicant risk - even for thin-file or previously unscorable users. The results is a universal score with 100% coverage, helping to improve your Gini and the safety reach creditworthy who would remain invisible.
Together with:
ID verification
OUR benefits
Seamlessly integrated into your existing stack, Credolab’s scores and features help you
refine risk models and improve Gini coefficient (or K-S) instantly.
We score even the thin-file and unbanked
With a 100% global hit rate, Credolab scores every applicant including those who are new to credit.
Privacy-first,
bank-grade security
We analyse behaviour, never the person. By processing only consented, anonymised metadata, we keep your users data safe and protected at every step.
Derived from live portfolio deployments and validated via out-of-time (OOT) and out-of-sample (OOS) testing. Performance uplift varies by portfolio and country.
21.9%
Reduction in cost of risk
32%
Increased in approval rate
<1 second
Time to approve a genuine customer
case studies
Names are private. Results are not.
See the outcomes we have delivered for some of the world’s biggest lenders.
Complement Bureau Scores
Strengthen ID Verification
Improve Fraud Detection
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 itself combined its traditional data with Credolab's signals to extend financial inclusion across country.
B2B clients, including banks, retailers, and fintechs, can deliver stronger predictive power, improving their scores to assess borrower's likelihood to default.
B2B clients, including banks, retailers, and fintechs, can deliver stronger predictive power, improving their scores to assess borrower's likelihood to default.
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Proven across 50+ countries.
Calibrated for yours.
Traditional data stops at the border; behavioural intelligence adapts to it.
We apply behavioural patterns learned across 50 countries to give you an immediate, locally calibrated advantage, wherever you lead.
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Approval rate
30%
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Stop guessing. Start SCORing.
Why leave growth to chance when you can lead with intelligence? Join the world's most forward thinking lenders and turn scores into your biggest competitive advantage.
Frequently Asked Questions
Our credit bureau hit rates are low. How can we grow without them?
Just because an applicant is "invisible" to the bureau doesn't mean they don't have a digital footprint. If they have a smartphone or are applying online, they have a story to tell.
Credolab generates a predictive risk score for 100% of your applicants using privacy-safe device and behavioural metadata, not credit history.
We fill the gap, giving your risk team a consistent signal from day one. You grow the portfolio today; the bureau catch up tomorrow.
Credolab generates a predictive risk score for 100% of your applicants using privacy-safe device and behavioural metadata, not credit history.
We fill the gap, giving your risk team a consistent signal from day one. You grow the portfolio today; the bureau catch up tomorrow.
We already pay for ID verification, income data, and fraud tools. Why add Credolab to the stack?
Think of us as the high-efficiency filter at the very top of your funnel. Why waste your most expensive KYC and income checks on bots, device farms, or malicious applicants?
By placing our intelligence layer at the start of the waterfall, you identify non-human threats and manipulated sessions instantly. You stop the "operational waste" and ensure your budget is spent only on genuine, high-quality humans that have a high probability of paying you back.
It’s a leaner funnel and a better bottom line.
By placing our intelligence layer at the start of the waterfall, you identify non-human threats and manipulated sessions instantly. You stop the "operational waste" and ensure your budget is spent only on genuine, high-quality humans that have a high probability of paying you back.
It’s a leaner funnel and a better bottom line.
Is this just another tracking tag? Where does it actually sit in the journey?
We aren't a tracking tag; we are an intelligence input.
Credolab sits at the very start of the onboarding journey, analysing the integrity and user's intent in that session. We don't just identify the device; we assess the applicant’s willingness to repay.
It’s a scoring-grade decisioning tool that identifies the character behind the clicks, helping you reserve those costly downstream checks for the applicants who actually deserve them.
Credolab sits at the very start of the onboarding journey, analysing the integrity and user's intent in that session. We don't just identify the device; we assess the applicant’s willingness to repay.
It’s a scoring-grade decisioning tool that identifies the character behind the clicks, helping you reserve those costly downstream checks for the applicants who actually deserve them.
Will this require a massive overhaul of our existing risk models?
Not at all. Credolab is built to be a complementary power-up for your current models, not a replacement.
While our "sweet spot" is scoring thin-file applicants, our scores are equally effective at catching high-score "hit and run" fraudsters who have no intention of paying.
You can champion/challenge our scores against your existing setup or use them as a complementary layer. Either way, you get the score via a simple API, and our experts guide you through the process.
While our "sweet spot" is scoring thin-file applicants, our scores are equally effective at catching high-score "hit and run" fraudsters who have no intention of paying.
You can champion/challenge our scores against your existing setup or use them as a complementary layer. Either way, you get the score via a simple API, and our experts guide you through the process.
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