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CredoApp — The Top Credit Scoring App in the Market

The CredoApp solution enables unbanked, underserved and new-to-credit (NTC) applicants to access credit using their smartphone’s metadata to produce a highly accurate credit score. CredoApp’s scorecards feature a Gini coefficient of up to 0.6, which has a significant impact on the cost of risk for lenders. With this credit scoring application, companies are able to safely extend credit to largely untapped market segments, such as new-to-credit (NTC), millennials, self-employed and small business owners.

How it Works

Increased Security and Market Penetration


CredoApp generates a completely anonymous and unreadable digital footprint.


Companies can achieve time-to-yes in less than 1 minute compared to days using traditional, manual processes.


Confidently lend to lower-risk clients at lower interest rates.


Full automation of the credit decision process fully supports existing credit policies.

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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.