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Our Technology

CredoLab’s proprietary financial technology leverages an alternative data source — smartphone metadata — to assess the creditworthiness of each applicant. Our AI credit scoring algorithm crunches over 1 million features from opt-in smartphone metadata to discover highly predictive delinquent behavioural patterns and then convert that metadata into accurate credit scores. With score calculation taking mere seconds, CredoLab is the fastest and most accurate credit and fraud scoring provider today.

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Powering Better Credit Decisions with Financial Technology

Expansion to New Market Segments

Dramatically improve access to new market segments, such as the new-to-credit (NTC), new-to-bank, thin file, millennials and self-employed.

Lower Cost of Risk

Leverage the predictive capability of AI and Machine Learning to consistently improve digital scorecards while lowering the cost of risk.

Faster Decisions

Our financial technology platform shortens the time-to-yes from days to less than 1 minute with scores delivered in real time.


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The vanguard of CredoLab's family of credit risk management products that increases application approval rates while keeping negative rates under control.


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Simple, plug-&-play solutions working in conjunction with our products, such as the white label app & SDKs, to provide seamless digital onboarding experiences.

Embedded Scoring

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An Analytics-as-a-Service platform using data and insights from privacy-consented data sources to provide a simple, ready-for-action profitability plan.