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CredoApply is a super Digital Origination app that allows customers to select, apply, and get loans in real-time as opposed to days. Built on CredoLab’s powerful AI credit scoring technology, CredoApply is packed with mobile intelligence to help manage all steps of the onboarding process in a user-friendly and intuitive way. The CredoApply guides customers through the application, the KYC requirement completion, anti-fraud checks, and digital credit scoring in a few simple steps. Lenders can now offer their customers a smooth, fully digitised and gamified onboarding experience.

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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.