CredoApply is a comprehensive digital onboarding platform that facilitates all aspects of the customer application process. Built on CredoLab’s powerful AI credit scoring technology, CredoApply is packed with mobile intelligence to help manage all steps of the onboarding process, such as guiding customers through the application, KYC requirement completion, anti-fraud checks and digital credit scoring. With CredoApply, lenders can offer their customers a fully digitised and engaging onboarding experience. CredoLab’s advanced backend infrastructure ensures that customers enjoy a speedy time-to-yes while companies can profit from higher credit scoring accuracy.

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One-stop-shop Digital Onboarding Solution

Digitally onboard customers

Mobile intelligence to help manage all steps of the onboarding process - from application form, anti-fraud checks to credit scoring.

Convert customers from “thin file” to “thick file”

Use the smartest alternative data - smartphone data - to score the customers who do not have traditional financial history.

Automated AI-powered fraud scoring checks

Beat the fraudulent applicants by analysing >45 types of fraud through tailor-made fraud prevention strategies.

KYC and credit scoring at a single touch point

Forget the hassle of doing multiple functions on multiple systems with this one-stop-shop digital application platform.

Transform your Business


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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.


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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.