Alternative risk scores based on device and web behavioural metadata

Assess the probability of default of 100% of your customers with very predictive, top-of-the-funnel, real-time behavioural scores.

The choice of 150+ financial companies, banks and fintech unicorns

*partners

Why credolab?

Leverage proprietary data via mobile device and web without adding any friction to the customer journey

Lower cost of risk

Higher predictive power

Full privacy compliance

Complementary with credit bureau scores

Score every applicant

Detect high-risk applicants

Rigorous process

Leverage a rigorous data modelling pipeline to identify the most predictive behavioural features (among the 10 million engineered by credolab expert Data Science team) to reduce your cost of risk, increase approval rate, and improve the overall predictive power of your general model

Take your results to the next level

Super-light SDKs to generate an alternative risk score for 100% of your applicants on mobile and web

Up to 21.9%

Decreased cost of risk

<1 Second

Faster time-to-yes

Up to 32%

Increased approval rate

Below 10%

Very low correlation with traditional sources of data, including credit bureau scores

Up to 40%

Increased predictivity
(GINI uplift)

Interesting facts

Did you know that?

An individual who owns more than 13 Finance apps is 2.46 times more likely to be rejected than someone who owns less than 3 Finance apps

An individual who does not have an app from the Health and Fitness category may be 1.71 times more likely to be rejected than someone who owns at least 1 Health and Fitness app

An individual who does not own any Book & reference + News & Magazine app may be 1.44 times more likely to be rejected than someone who owns more than 2 apps in that category

An individual who owns more than 1 Auto and Vehicle app may be 1.24 times more likely to be rejected than someone who does not own any Auto and Vehicle app at all

Someone who uses Android OS version 11 may be 1.56 times more likely to be rejected than someone who still uses Android OS version 9

Client Stories

Philippines

Vietnam

United Kingdom

SDK 30 day free trial

Get 30-days access to evaluate the integration of our solutions embedded in your app and website

Register now in 3 easy steps!

1. Fill out the form

2. Get an email with instructions on how to access and test the SDK integration

3. Access the Developer Area and test the integration

How do we fit into your business model?

Arrange a meeting with us to discuss

Embedded tools

Easy to integrate

Seamless user experience enabled by a small library of code (Android 200Kb; iOS 3Mb) that collects consented metadata, generates the credit score and detects fraud.

Frictionless user experience enabled by a small JavaScript (JS) snippet embedded in your web page.
CredoWeb calculates a risk score and detects fraud based on consented behavioural metadata.