Onboard Genuine Users Only
Instantly distinguish between a real human and non-human threats.
No bots, device farms, or malicious GenAI agents here.
The data your stack actually needs
Use your existing models. Add a layer of behavioural intelligence.
Filter out the noise. Find the value.
Complement Bureau Scores
Strengthen ID Verification
Improve Fraud Detection
ID Verification + Credolab
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Optimise Budget
Why pay for a KYC check on a synthetic ID?
Filter out the fakes at the gate so you only spend your verification budget on genuine people.
The "What" vs. The "Who"
Traditional IDV tells you who they are; Credolab tells you what they are doing.
It is the difference between seeing a passport and knowing if a human is actually holding it.
Go beyond the theory
Go beyond the theory
Use our strategic toolset to simulate your ROI.
Optimise your approval waterfall, and verify that your data stack is ready for a behavioural upgrade.
case studies
Names are private. Results are not.
See the outcomes we have delivered for some of the world’s biggest lenders.
Complement Bureau Scores
Strengthen ID Verification
Improve Fraud Detection
Our partners in industry:
22%
fraud costs
Uses richer, more accurate risk portraits for thin-file segments to improve fraud detection, promote financial well-being and trust, and reduce avoidable losses.
32%
approval rate
Improves predictive power beyond bureau data alone, helping lenders safely approve more applicants at scale. As of now, over 20 million Mexicans have access.
Challenge:
Limited predictive signals remain a core pain point for many financial institutions, especially when bureau data is thin or missing.
Solution:
The credit bureau itself combined its traditional data with Credolab's signals to extend financial inclusion across country.
B2B clients, including banks, retailers, and fintechs, can deliver stronger predictive power, improving their scores to assess borrower's likelihood to default.
B2B clients, including banks, retailers, and fintechs, can deliver stronger predictive power, improving their scores to assess borrower's likelihood to default.
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Proven across 50+ countries.
Calibrated for yours.
Traditional data stops at the border; behavioural intelligence adapts to it.
We apply behavioural patterns learned across 50 countries to give you an immediate, locally calibrated advantage, wherever you lead.
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Approval rate
30%
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Stop guessing. Start SCORing.
Why leave your growth to chance when you can lead with intelligence? Join the world’s most innovative lenders and turn behavioural scores into your biggest competitive advantage.
Frequently Asked Questions
Our credit bureau hit rates are low. How can we grow without them?
Just because an applicant is "invisible" to the bureau doesn't mean they don't have a digital footprint. If they have a smartphone or are applying online, they have a story to tell.
Credolab generates a predictive risk score for 100% of your applicants using privacy-safe device and behavioural metadata, not credit history.
We fill the gap, giving your risk team a consistent signal from day one. You grow the portfolio today; the bureau catch up tomorrow.
Credolab generates a predictive risk score for 100% of your applicants using privacy-safe device and behavioural metadata, not credit history.
We fill the gap, giving your risk team a consistent signal from day one. You grow the portfolio today; the bureau catch up tomorrow.
We already pay for ID verification, income data, and fraud tools. Why add Credolab to the stack?
Think of us as the high-efficiency filter at the very top of your funnel. Why waste your most expensive KYC and income checks on bots, device farms, or malicious applicants?
By placing our intelligence layer at the start of the waterfall, you identify non-human threats and manipulated sessions instantly. You stop the "operational waste" and ensure your budget is spent only on genuine, high-quality humans that have a high probability of paying you back.
It’s a leaner funnel and a better bottom line.
By placing our intelligence layer at the start of the waterfall, you identify non-human threats and manipulated sessions instantly. You stop the "operational waste" and ensure your budget is spent only on genuine, high-quality humans that have a high probability of paying you back.
It’s a leaner funnel and a better bottom line.
Is this just another tracking tag? Where does it actually sit in the journey?
We aren't a tracking tag; we are an intelligence input.
Credolab sits at the very start of the onboarding journey, analysing the integrity and user's intent in that session. We don't just identify the device; we assess the applicant’s willingness to repay.
It’s a scoring-grade decisioning tool that identifies the character behind the clicks, helping you reserve those costly downstream checks for the applicants who actually deserve them.
Credolab sits at the very start of the onboarding journey, analysing the integrity and user's intent in that session. We don't just identify the device; we assess the applicant’s willingness to repay.
It’s a scoring-grade decisioning tool that identifies the character behind the clicks, helping you reserve those costly downstream checks for the applicants who actually deserve them.
Will this require a massive overhaul of our existing risk models?
Not at all. Credolab is built to be a complementary power-up for your current models, not a replacement.
While our "sweet spot" is scoring thin-file applicants, our scores are equally effective at catching high-score "hit and run" fraudsters who have no intention of paying.
You can champion/challenge our scores against your existing setup or use them as a complementary layer. Either way, you get the score via a simple API, and our experts guide you through the process.
While our "sweet spot" is scoring thin-file applicants, our scores are equally effective at catching high-score "hit and run" fraudsters who have no intention of paying.
You can champion/challenge our scores against your existing setup or use them as a complementary layer. Either way, you get the score via a simple API, and our experts guide you through the process.
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