Value proposition

Better risk, fraud and marketing decisions

Credolab is a Data and Analytics platform that provides insights and scores built on device and behavioural biometrics metadata to improve risk assessment, fraud prevention and marketing processes.

Credolab's insights and scores enable clients to make better decisions at every customer touch point: application, registration, onboarding, account login, and at every marketing communication.

Our solutions leverage proprietary behavioural biometrics and device metadata derived from privacy-consented, non-personal, and anonymised smartphone and web interactions. Utilising over 80,000 data points analysed through advanced Machine Learning algorithms, Credolab delivers highly predictive and real-time scores and granular insights via a unified API.

This data-driven approach empowers businesses to:
• Reduce credit risk with alternative risk scores, offering higher predictive capabilities to identify potential defaulters, resulting in increased approval rates and decreased risk costs.
• Enhance fraud detection through fraud scores and checks, efficiently identifying fraudulent applications and usage to mitigate fraud costs and elimnate fraud.
• Optimise marketing efforts driving more effective lead generation and campaigns, optimise conversions and enhance marketing spend.

Established in 2016, Credolab has achieved global expansion, with offices strategically located worldwide and a team spanning 11 countries. Serving a client base of over 200 in 52 countries, our commitment to continuous innovation is evident in delivering solutions that propel business success, champion financial inclusion, and foster a positive impact on the bottom line across diverse industries.

Risk Management, Financial Services, Technology, Consumer Credit Score, Behaviourial Data Analytics, Bank Loan Evaluation, Financial Inclusion, Artificial Intelligence, Credit Scoring, Embedded Finance, Embedded Scoring, Credit Scoring, Alternative Credit Scoring, Digital Credit Scoring, and Machine Learning