Credo Score
A real-time behavioural risk score that complements traditional, transactional and alternative data.
Credolab solutions
for better lending decisions
Score every digital applicant with CredoScore—and unlock deeper portfolio intelligence with CredoInsights.
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.”
Products
One behavioural intelligence platform. Two products for stronger risk decisions.
Credo Insights
Analyse customer behaviour, compare segments and identify opportunities to improve decisioning.
Behavioural intelligence with no personal data
Credolab collects consented, anonymised device and interaction metadata from mobile and web applications.
These signals reveal behavioural patterns without identifying the applicant or accessing personal content.
What we analyse:
- Device settings and technical attributes
- Session and application interactions
- Typing, navigation and completion patterns
- General app-usage categories
What we never access:
- Names or other personal identifiers
- Messages, contacts or call logs
- Photos or personal files
- Precise GPS location
3 steps to score everyone
Credolab does not replace your existing scoring models. It adds behavioural intelligence at the beginning of the application journey, strengthening the information available to every decision that follows.
phase 2
Validate
Receive insights or validate model performance using your portfolio outcomes.
phase 3
Deploy
Deploy the validated scorecard in production and start scoring everyone.
Receive:
Credo Score
Credo Insights
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.
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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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 risk
32%
Increase in approval rate
<1 second
Time to approve a genuine customer
Proven across 50+ countries.
Calibrated for yours.
Traditional data stops at the border; behavioural intelligence adapts to it.
We apply behavioural patterns from our alternative credit scoring platforms, 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’s credit scoring solutions generate 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 catches up tomorrow.
Credolab’s credit scoring solutions generate 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 catches 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.
Using our credit data solutions, 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.
Using our credit data solutions, 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. As a credit scoring solution, we don't just identify the device; we also 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. As a credit scoring solution, we don't just identify the device; we also 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’s alternative credit scoring 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.
Simply put, you gain an additional layer of data and scores through our alternative credit scoring platforms.
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.
Simply put, you gain an additional layer of data and scores through our alternative credit scoring platforms.
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