Products
Credolab's proprietary technology unlocks first-party, privacy-consented metadata from your mobile app and website. By applying advanced data science, Credolab delivers highly predictive scores and very granular insights to help you make better decisions.
*Free for testing, non-commercial use
Insights
Device Insights
Understand smartphone behaviours
Behavioural Biometric Insights
Evaluate user behaviours in app or web
IP Address Insights
Analyse IP address activity
Browser, Device, IP Address Velocity
Measure frequency of applications
Application Insights
Segment users based on their apps
Scores
Risk Score
Evaluate the probability of default
Fraud Score
Compare users to known fraudulent cases
Propensity Score
Identify users' probability to apply or churn
Bonus Abuse Score
Estimate users' probability to exploit offers
Collections Score
Predict repayment probability for delinquent users
Insurance Score
Calculate the probability of policy lapses and claims
Solutions
Credolab solutions help you reduce credit risk, enhance fraud detection, and optimise marketing using real-time data and scores based on device and behavioural biometrics metadata.
Reduce Cost of Risk
Improve Predictive Power
Augment traditional data, 100% hit rate
Increase Approval Rate
Score thin-files and new-to-credit
Decrease Delinquency
Minimise false positives/negatives
Eliminate Fraud
Detect Geographic Mismatches
Flag browser, device, IP geo mismatch
Detect Emulators
Detect concealed true ID, location
Detect Device Manipulations
Identify unauthorised device usage
Detect Abuse
Discover users with stolen personal info
Improve Marketing
Improve Conversions
Prioritise targeting based on intent
Know Your Customers Better
Build personas not just segments
Reduce Churn and Dormancy
Leverage predictive signals to retain users
Reduce Cost Of Risk
Resources
Credolab’s one-stop content hub for blogs, e-books, videos and the latest news. Dive into varying topics including, but not limited to, alternative data, fraud, credit scoring and financial inclusion.
Blog
Explore our thorough yet easy-to-understand article series
E-books
Download the ultimate information-packed guides and whitepapers
Videos
Check out our various videos, podcasts and webinar content
News
Latest company news and product updates
eBooks
About
Introducing Credolab: Get to know the story behind being a leading Data and Analytics platform, our exceptional partners, career openings, FAQs and how to reach us.
About Us
Discover our story and the people behind Credolab
Careers
Find available career oppotunities
FAQ
Our most frequently asked questions and answers
Partners
Explore our network of global and regional partners
Contact Us
Get in touch with us today
Learn about behavioural insights, risk scoring, fraud detection, marketing segmentation, and the science behind them in our blog.
All Blogs →
All Ebooks →
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Client Stories →
Financial Inclusion
October 26, 2023
6 Ways To Utilise credolab's Behavioural Solutions to Drive Financial Inclusion
Read blog →
September 5, 2023
Four Challenges Of Financial Inclusion: Diving Into Solutions For Success
August 1, 2023
How To Empower Marginalised Communities: 3 Key Strategies To Expand Financial Inclusion
July 4, 2023
2023 Expert Guide: The Importance of Financial Inclusion Strategies and Policies
Alt Data
The Comprehensive Guide To Alternative Data Quality Assessment
Read ebook →
The complete guide to detecting fraud and early defaults via alternative data
Scoring
The complete guide to Alternative Credit Scoring
Crypto
Can Crypto Lending Drive Financial Inclusion?
Digital Banking
How to improve the digital banking experience by using real-time recommendations
Watch video →
How alternative data can open up financial opportunities for credit invisibles in the Middle East Part 1
How alternative data can open up financial opportunities for credit invisibles in the Middle East Part 2
How alternative data can open up financial opportunities for credit invisibles in the Middle East Part 3
Oct 26, 2023
Sep 5, 2023
Aug 1, 2023
Jul 4, 2023
Embedded Finance
Jun 6, 2023
Dive into Embedded Finance: 5 Things Market Entrants Should Know
Apr 20, 2023
Dive into Embedded Finance: How to level up with credolab’s solutions
Mar 30, 2023
How Embedded Scoring Can Help Financial Institutions: A Detailed Overview
Mar 16, 2023
A Beginner’s Guide to EmFi: Part 3 How to Leverage credolab’s Solutions
Feb 28, 2023
Top 3 Challenges of Embedded Finance: Expert Tips on How To Overcome Them
Feb 2, 2023
A Beginner’s Guide to EmFi: Part 2 Navigating the Challenges
Jan 26, 2023
A Beginner’s Guide to EmFi: Part 1 Introduction to Embedded Finance
Fraud
Jan 19, 2023
Getting to know fraud detection: How to use insights gathered
Dec 8, 2022
How to detect fraud using a combination of alternative data sources
Dec 1, 2022
Insights from a former risk officer: Part 2 on introducing fraud detection
Nov 24, 2022
Insights from a former risk officer: Part 1 on introducing fraud detection
Credit Scoring
Nov 17, 2022
Credit Scoring Models: How to create a model that works best for you
BNPL
Oct 13, 2022
BNPL Myths Busted: 4 Common Myths About Buy Now Pay Later Debunked
Oct 6, 2022
How a new school of scoring makes credit more inclusive
Sep 29, 2022
How BNPL can grow safely by using the right tools
Sep 22, 2022
2022: How alternative data sources can open up financial opportunities for US credit invisibles
Sep 8, 2022
How to maximise your business with credolab: Best ally to psychometric data
Sep 1, 2022
Maximise your business with credolab: The best ally to telco data
Integration
Aug 25, 2022
Navigating IT queues: How to integrate credolab into your IT tasks list
Aug 11, 2022
Repurposed: 4 Myths about Alternative Data Busted
Jul 28, 2022
Top 10+ tools for lenders: The ultimate lender's guide
Jul 21, 2022
3 best ways to implement your alternative data insights
Lending
Jul 14, 2022
How to maximise your lending operations: A guide for all finance companies
Jul 7, 2022
How To Integrate Alternative Credit Scoring: A Beginner's Guide
Mobile
Jun 30, 2022
Singapore, a hyperconnected mobile-first economy | Infographic
Jun 23, 2022
The potential of mobile-first insights in a mobile-first economy
Jun 16, 2022
The rise of M-commerce in a mobile-first economy
Jun 9, 2022
A deep dive into credolab's features
Underwriting
Jun 2, 2022
The evolution of underwriting in the insurance industry
Digitisation
May 26, 2022
Malaysia: How digitalisation is driving growth | Infographic
Insurance
May 19, 2022
How can credolab's solutions ease modern insurers' problems
May 12, 2022
A guide on how the credolab solution can help insurers
May 5, 2022
Alternative data sources for credit invisibles
Fintech
Apr 28, 2022
The growth of the Nigerian fintech ecosystem | Infographic
Apr 21, 2022
Crypto in Nigeria, a strong alternative to an unstable economy
Apr 14, 2022
The Pros (and Cons) of Crypto Lending
Apr 7, 2022
Myths and movements in the Crypto world
Country
Mar 31, 2022
Country Spotlight - France, Fast-Growing Fintech Hub in Europe
Mar 24, 2022
How fragments are useful for solving fraud and enhancing UX
Mar 17, 2022
The relationship between data collection and fragments
Mar 10, 2022
Crypto Lending: The Next Billion-Dollar Vertical?
Fragments
Mar 3, 2022
Digital Fragments Explained: Using App Insights For Better and Safer Financial Products
Mar 2, 2022
How to Combine Digital Footprint Lookups with Behavioural Data to Turbocharge Credit Scoring
Feb 24, 2022
Country Spotlight: Colombia, the third-largest fintech ecosystem in LATAM
Feb 21, 2022
Alternative credit scoring: a must-have in the banking industry
Feb 17, 2022
The relationship between data collection and credit scoring
Feb 3, 2022
Leveraging alternative credit scoring in the insurance industry
Jan 27, 2022
Country Spotlight: Turkey
The importance of alternative credit in BNPL
Jan 20, 2022
Stimulus Worked: Why We Should Build On This To Widen Credit Access
Jan 18, 2022
How alternative scoring helps Neobanks and Challenger Banks
Data Privacy
Jan 6, 2022
Data privacy & the new alternative credit scoring systems
Jan 5, 2022
5 BNPL trends to look out for in 2022
Country Spotlight: Saudi Arabia
Country Spotlight: Mexico
How alternative data quality can differ
How management executives (CFOs) can harness alternative scoring
How lenders are using alternative scoring
How fintech collaboration can fasten economic recovery in Indonesia
EWA
Is Earned Wage Access (EWA) The Superstar Employee Benefit?
Modern borrower behaviour in volatile times
Dec 31, 2021
3 key steps for any credit analysis
Dec 30, 2021
5 FAQs About Adopting Behavioural Data to Lift Digital Banking Experiences in 2022
Dec 23, 2021
The role of data in today’s world and in credit rating processes
Dec 17, 2021
Financial technology: the long-awaited solution to a low credit score
Dec 16, 2021
5 Lending Trends to Watch Out For in 2022
Nov 30, 2021
Is Earned Wage Access (EWA) The Super Star Employee Benefit?
Nov 25, 2021
BNPL Boom: U.S. Edition Part 2
Nov 23, 2021
BNPL BOOM: U.S. Edition Part 1
Nov 18, 2021
6 Earned Wage Access Providers to Watch in 2022
Nov 12, 2021
Financial Inclusion in India
Financial Inclusion in spain
Nov 5, 2021
Top LATAM fintech companies transforming the financial inclusion landscape
Why is the traditional credit rating system losing steam?
Nov 4, 2021
The Pros and Cons of Earned Wage Access
Oct 29, 2021
How credit studies determine the chances of getting a loan
Tracking retail’s buy now, pay later revolution
Oct 21, 2021
The New School of Scoring Can Create Extra Credit
Oct 19, 2021
How can financial institutions better avoid fraud?
Oct 18, 2021
Neobanks and EWA, the battle to bank the creator economy is on
Oct 12, 2021
Country Spotlight: UK
Oct 5, 2021
3 Earned Wage Access trends to watch
Banks
Oct 1, 2021
A Good Look at the Rise of Neo/Challenger Banks
Sep 24, 2021
How new credit scores determine a clients' creditworthiness
What financial institutions should be careful with when it comes to alternative data
Risk
Sep 17, 2021
Factors that determine credit risk
What it will mean when everyone can participate in the economy
Sep 15, 2021
It’s time for fairer credit scoring for every American
Technology
Sep 10, 2021
5 benefits of technology in the financial industry
How alternative data can open up financial opportunities for US credit invisibles
Sep 8, 2021
Can Alternative Lending bust barriers to financial inclusion in America?
Sep 3, 2021
Alternative information, an ally for many industries
How alternative data can open up financial opportunities for credit invisibles
Sep 2, 2021
Country Spotlight: India
Aug 20, 2021
Ebook
Credit where it's due: an insight paper for buy now pay later leaders
Challenge accepted: How challenger banks can grow profitably
Inclusivity
Analysing credit invisibles: Know who they are and how to help them
Digital scorecards: boosting credit success through higher predictability and greater approval rates
Financial Inclusion and Alternative Data in LATAM
Improving credit decisions and lifting financial inclusion in Southeast Asia
Inclusión Financiera y Datos Alternativos en LATAM
Inclusão Financeira e Dados Alternativos na Latam
How to Guard Revenue and Manage the Risk of Loan Loss Provisions
Score! Non-Bank Lending and the Future of Fair Credit
Metadata
Machine Learning-Driven Credit Risk Modelling Using Smartphone Metadata
What You Should Know About Earned Wage Access
Video
Webinar
Tapping into the Middle East's Youth Market
Indonesia Series (Eps. 3) - Fragments from Digital Footprints
Indonesia Series: Episode 2 (Digital Banks & its challenges)
Fireside Chat SL Jun 2021- BNPL: Customers' Wildest Dreams or Worst Nightmare? [credolab x Mintpay]
Fireside Chat MY Jun 2021- BNPL: Customers' Wildest Dreams or Worst Nightmare? [credolab x du-it]
Fireside Chat SG Jun 2021 - BNPL: Customers' Wildest Dreams or Worst Nightmare? [credolab x hoolah]
Indonesia Series: Episode 1 (Credolab Embedded Scoring)
Got 5 Minutes?
Episode 6: Got 5 Minutes? Let's Talk About Neobanks - Part 2
Episode 6: Got 5 Minutes? Let's Talk About Neobanks - Part 1
Product
CredoLab: Growth Plans in 2021
Episode 5: Got 5 Minutes? Let’s talk about Device Risk Scores.
Episode 4: Got 5 Minutes? Let’s talk about the New Standards of Digital Banking.
CredoLab: Reducing Credit Risk
Episode 3: Got 5 Minutes? Let’s talk about digital scoring models.
Digital Originations in Under 60-days
Episode 2: Got 5 Minutes? Let's talk about digital originations.
Decoding the Customer Journey with Digital Technology
Episode 1: Got 5 Minutes? Let's Let’s talk about digital scorecards.
Democratizing Lending: The Way Ahead in 2020
Smartphone Metadata in Action: Intelligent Decision Making in the Post COVID 19 Era
GBG X CredoLab: Virtual Next-Gen Solution Showcase
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