Schedule a live demo

Security and Data

Are any users' personal data shared with the vendor? If so, provide the list of data areas.

View All

highlight

No. Credolab doesn't collect, process, or share user's personal info

‍

CredoSDK

Can CredoSDK be integrated into my app via the Ionic framework?

View All

highlight

Yes. Please get in touch with us at info@credolab.com for more information on this.

‍

CredoSDK

Can CredoSDK be run in trial mode alongside existing credit scoring systems?

View All

highlight

Yes. During the pilot phase and subsequent model development, a client is able to assess and validate the scorecard before putting it into production. Credolab's integration methods are very flexible and can accommodate the needs of any bank and lender.

General

Can credolab guarantee the provision of financial services?

View All

highlight

No, the use of credolab solutions does not guarantee the provision of financial services with the Financial Institution you are applying for.

Security and Data

Can the SDK collect data in the background?

View All

highlight

No. The only time the SDK is active is when you initiate the scoring process. Once the score is sent to the backend, the SDK does not access any data and is dormient.

‍

You can get more information on how we handle the data under our privacy policies.

Security and Data

Can you provide examples of metadata?

View All

highlight

Examples of metadata would include: the number of events you schedule during work hours, the number of contacts saved per month, total number of apps upgraded in the last month, or the number of music files. We do not collect the personal contents, we just crunch the numbers via proprietary Machine Learning algorithms.

‍

CredoSDK

Does CredoSDK support integration via Flutter?

View All

highlight

Yes. Please get in touch with us at info@credolab.com for more information on this.

‍

Security and Data

Does credolab collect personal data from the smartphone device?

View All

highlight

No. All your customers’ personal data like messages and contacts are not accessed. The only information that some jurisdictions may define as personal would include: Android ID number and Geographic location based on file. This information is only used to deter fraudulent behaviour.

‍

Aside from that, the bulk of the data that we collect is considered metadata, which translates to the data about the data. Furthermore, we access only anonymous data which we code them binarily, and only after the user has agreed to the required Operating System's permissions and granted data privacy consent. In doing so, CredoLab protects the end-users' anonymity whilst retaining the ability to detect fraud deriving from particular devices.

‍

General

Does credolab provide financial services?

View All

highlight

credolab does not provide financial services, nor does credolab take decisions on rendering or refusing to provide users of the our technology with financial services.

Security and Data

Does the JavaScript monitor the browser activity before or after this?

View All

highlight

No. The JavaScript is activated when the customer starts filling application form and stops the moment the form is submitted.

Security and Data

Does the fraud score check any additional data access?

View All

highlight

No. The fraud check is done with the same meta data accessed after explicit consent is taken from the customer. The customer is given full information on how and for what purposes the metadata collected will be used while requesting for access. We believe in complete transparency and do our best to ensure your customers know they are in full control of their data – even though its non-identifiable metadata.

Security and Data

From what instance does the JavaScript start capturing the data?

View All

highlight

Data collections begins from the moment the customer begins the filling in application form and ends once the form is submitted.

Product

How accurate is the score in predicting default rates?

View All

highlight

CredoLab's score is extremely accurate. We measure the predictive power of our scorecards by assessing the Gini Coefficient. The average Gini coefficient of a bank or lender in an emerging market is 0.27. Because of the nature of the data we use, the models we develop deliver an average Gini coefficients of 30% higher than what the bank / lender currently has.

CredoSDK

How big is the CredoSDK?

View All

highlight

The actual size would depend on the number of permissions your app is allowed to collect. On average, the SDK is about 250kb big and can be operated on both operating systems (iOS and Android).

‍

CredoWeb

How big is the CredoWeb JavaScript?

View All

highlight

Sizing is minimal as we simply implement a few lines of coding to embed the data collection and scoring algorithm into the application web page.

General

How can I be a part of credolab's partner ecosystem?

View All

highlight

Get in touch with us at partners@credolab.com with your information and our partnership team will get in touch with you right away.

‍

Security and Data

How do I know credolab only collects metadata and not any personal information?

View All

highlight

CredoLab only reads permissioned information and transforms them into anonymous data about other data (metadata). If you could take a look at the data credolab’s scoring algorithm processes, it would be as below:

‍

We have had independent annual auditors (Ernst & Young, (2018) and eShard (2019) verify that our product do not have any exploitable vulnerabilities.

General

How do you price your offering?

View All

highlight

Credolab follows a pay-per-use business model. You will pay a one-time setup fee and then a fee per score request, just like you would with a credit bureau.

‍

Platform Set-up Fee: The platform setup fee is a one-time fee that covers the integration of the SDK or the customization of the White Labelled mobile app/web tool-kit, support during the data collection phase, the development of the very first scorecard and its fine tuning for up to 12 months.
Fee Per Score: We charge a fee calculated based on the number of requests received every month. The fee amount depends on volumes generated. The higher the volumes, the lower the fee per score. You pay this fee only when you start using our solution.

‍

CredoSDK

How does CredoSDK work to produce a score?

View All

highlight

The CredoSDK analyses the smartphone footprint only after the user has granted the required operating system's permissions and given her data privacy consent. Only at this point, the CredoSDK proceeds with the credit analysis. The score is provided directly to the lender either via our web-based dashboard or the API. Our plug-and-play solution requires minimal IT integration and is light and fast for the borrower.

Security and Data

How does credolab collect the data from the smartphone?

View All

highlight

Credolab collects the metadata from the smartphone after requesting for your permissions explicitly, without any vague or misleading statements. Credolab strives to ensure there is complete transparency and that you have control of what happens to your data. Only if and after the permission is granted does the application access the metadata and generate the score. The score generated is sent directly to the lender. No other data leaves the phone nor is the score, data or insights shared with any third party. After the scoring, you can delete the app as it is complete defunct and does not function in the background.

How does credolab convert smartphone metadata into digital scorecards?

View All

highlight

Credolab has developed a proprietary statistical methodology that calculates a credit score based on the metadata available on mobile devices of the applicant. To know more about our scoring algorithm and how it processes the data, take a read at the white paper by Dr. Xiaofei (Susan) Wang, PhD, Lecturer and Research Scholar, Department of Statistics and Data Science, Yale University, where she tests the accuracy of our scoring algorithm and explains how CredoLab’s AI-powered scoring algorithm generates highly predictive credit scores.

‍

Alternatively, you can reach out to us and we will be happy to take you through our scoring process.

Product

How does credolab develop its digital scorecards?

View All

highlight

We have arrived at this 7 step process of developing a scorecard after years of analysis of what goes into designing the perfect engine that can assess the creditworthiness of each applicant efficiently. Each step is executed closely with your team to ensure its customized to your objectives, business, and markets amongst other relevant factors. Here's a snapshot of what the process looks like:

‍

Product

How does credolab generate the fraud score?

View All

highlight

Credolab has partnered with TransUnion, formerly iovation, to bring lenders the best in business anti-fraud solution. Credolab and TransUnion, formerly iovation, have joined forces bringing a single mobile solution that uses smartphone device metadata to generate bank-grade digital scorecards and perform anti-fraud checks, in real-time.

Product

How is the credit report analysis calculated?

View All

highlight

The assessment of the users' solvency and interest in receiving financial services is fully automatic. The estimates of their financial health and status are the results of a set of parameters calculated according to the proprietary methodology developed and implemented by credolab.

CredoSDK

How long does it take for CredoSDK to collect and process the data, and generate the credit score?

View All

highlight

The process is completed faster than you can say "CredoLab". The app begins accessing data only after the customer has granted the required permissions. Within seconds the score is generated and sent to the underwriter. Do note that all CredoSDK does is take a 'snapshot' of the device usage and does not track information over time. Once the score has been successfully sent to the backend, the app is defunct and can be deleted.

‍

You can get more information on how we handle the data under our privacy policies.

CredoSDK

How long does it take for the App with the credoSDK to collect and process the data, and generate the credit score?

View All

highlight

The process is completed faster than you can say "credolab". The app begins accessing data only after the customer has granted the required permissions. Within seconds the score is generated and sent to the underwriter. Do note that all the app needs to do is take a 'snapshot' of the device usage and does not track information over time. Once the score has been successfully sent to the backend, the app needn’t access any more information for scoring.

‍

You can get more information on how we handle the data under our privacy policies.

‍

CredoSDK

How long does it take to deploy CredoSDK?

View All

highlight

We can be up and running in pilot phase in less than two weeks. With it being a plug and play solution there is no need for long, cumbersome, integration.

CredoSDK

How long does it take to generate the credit score?

View All

highlight

The process is completed faster than you can say "credolab"! The SDK begins accessing the metadata only after you have granted the required permissions. Within a second the score is generated and sent to the lender. Do note that all credoSDK does is take a 'snapshot' of the device usage and does not track information over time.

Security and Data

How long will the data be kept by the credolab?

View All

highlight

The metadata assessed and the score generated on your customers are stored by credolab for your use as long as the contract is valid. On termination of the contract, this data is deleted from all servers.

‍

General

How long would it take for us to go live after I reach out?

View All

highlight

The typical journey we take with our clients involves:

‍

Understanding your objectives and challenges
Signing of NDA
Presenting proposed solution
Finalizing terms and conditions
Signing commercial contract
Launching data collection
Developing digital scorecard
Redesigning underwriting process (after assessing outcomes)
Rolling out digital scorecard

‍

Security and Data

How many data points does are collected from the smartphone device?

View All

highlight

Credolab's scoring algorithm collects thousands of data points on average from the smartphone device. The number of data points collected depends on the permissions granted, the operating system (Android, iOS) and its version, and the actual usage of the mobile device.

CredoSDK

How quickly can CredoSDK assess the credit score of a new applicant?

View All

highlight

We assess and deliver each score in less than 1 minute.

Fraud

Is the credit score and fraud check done at the same time?

View All

highlight

Yes. While our scoring algorithm crunches the consented device metadata to generate a reliable credit score, TransUnion’s FraudForce uses device recognition and intelligence technology to track over 45 types of fraud and abuse. All this happens in a matter of seconds giving the fraud score and the credit score in real-time.

Security and Data

Is the interface between your clients and the service platform encrypted?

View All

highlight

Yes, CredoLab's end-to-end communication protocols are encrypted.

‍

Security and Data

Is there any other steps you take ensure data security?

View All

highlight

All data collected are encrypted at all times - when at rest as well as in transit. Production data, the data used to generate the scorecards once you go live, are restricted from being used in test and development systems unless the data is appropriately masked or sanitised to protect sensitive information (if any). Data leakage protection (DLP) mechanisms are put in place to monitor and prevent the data form leaving the organisation via removable media or via a network. We maintain separate and appropriately segregated development, test and production environments for all Client`s relevant systems.

‍

Security and Data

Is there any specific requirements for the data being used to train the AI algorithm?

View All

highlight

In order to build a robust scorecard, we recommend to collect metadata of about 5,000 users of which at least 300 to 500 are defaulters. The total number of uploaded datasets will depend on default rate, approval rate, and penetration of the mobile apps.

‍

CredoSDK

Once I have integrated the SDK into my app, how can I start scoring my customers?

View All

highlight

Refer to Scoring to know more on how to kick off scoring your customers. Watch the video below to get a quick understanding how the customer would use the app once ready.

‍

General

Once we have signed the contract, how long does it take to go-live with your digital scores?

View All

highlight

There are 4 stages to getting started with credolab.

‍

Stage 1: Data Collection

‍
The first stage involves collecting data on your customers. This can be done through CredoWeb, CredoSDK, CredoApp or CredoApply. The objective of this stage is to feed a good sample of data sets to the scoring algorithm in order to build final, custom scorecard for your business. This includes both good and defaulting customers. Ideally, we suggest having at least 300 defaulting customers in the data mix to ensure the algorithm is trained how to identify these customers and flag them. The duration of this stage varies from two to three months depending on the availability of data.

‍

Note: no scores are generated at this stage. Merely collection of data is done to train the scoring machine/algorithm.

‍

Stage 2: Outcome Window

‍
This refers to examining the outcome of the credit disbursed during the start of the data collection stage. The scoring algorithm used this to match the features of applicant to their outcomes. Thus, the more data and their outcomes are fed into the machine, the more comprehensive the learning, and the more accurate the scoring algorithm gets. This stage starts form the first month and can last up to three months depending on the availability or satisfying mix of data to feed into the algorithm.

‍

Stage 3: Model Development

‍
Once we have the data and their outcomes, our standard scoring model is tweaked to customize it for your business, market and objective. The machine/algorithm is trained to identify a defaulting and fraudulent customer from day 1. This stage takes up to one week to complete, depending on the complexity of the features considered for scoring.

‍

Stage 4: Production

‍
After testing the customized scoring algorithm and ensuring it works perfectly, we then roll it out and make it live to be used by you. You can start generating scores now.

General

Once we reach production, how can my underwriting team start generating scores on the applicants?

View All

highlight

For each applicant you receive, you can generate a unique ID from the backend and send an SMS/Email to the applicant giving them instructions on how to proceed with the digital score generation. You can view the entire process in the video below.

‍

Security and Data

Recovery of data

View All

highlight

CredoLab agrees to exercise commercially reasonable efforts to restore data files from archived copies as quickly as reasonably practicable, as necessary as a result of system failure or data corruption or losses. Client acknowledges that the amount of time required to restore data files is dependent upon numerous factors, including, but not limited to, severity or the relevant data corruption or loss. Any expense relative to data restoration is for the account of CredoLab.

‍

General

What are the benefits of partnering with credolab?

View All

highlight

Credolab has a wide ranging network that includes banks, consumer finance companies, auto lenders, online and mobile lenders, insurance companies and retailers. As a credolab partner, you will be in contact with an audience highly receptive to your offerings and business model. Read more on how the partnership will benefit your business here.

‍

Fraud

What are the different kinds of fraud checks conducted by the fraud check algorithm?

View All

highlight

Our fraud check algorithm protects you from 45 types of fraud and abuse:

Payment fraud
New Account Fraud
Application Fraud
Policy Violation
Account Takeover
Claims Fraud
Loan Default
Identity Theft

General

What are the partnership options available with credolab?

View All

highlight

Currently we have three kinds of partnership options available to you.

‍

Data partnership

Co-innovation partnership

Technology partnership

‍

Visit our partner page to know more on each of these options.

‍

Security and Data

What are your data security incident management efforts?

View All

highlight

We have a formal security incident monitoring, reporting and response process to identify, report, and appropriately respond to known or suspected security incidents. Theft or loss of user systems (such as workstations or laptops) considered security incidents and follow our incident reporting process.

‍

Product

What does Behavioural Application Analysis entail?

View All

highlight

Credolab’s Behavioural Application Analysis is a new solution that assesses users while they apply for a loan or credit card on a lender’s or aggregator’s website. Credolab’s Behavioural Application Analysis uses behavioural metrics to build profiles of users’ behaviours that include:

‍

How they type, the keys that they press and how they press them?
How they move the mouse on the screen?
How quickly they answer questions that they should know?
How slowly they answer questions that they may not know immediately?
How they swipe left to right on a mobile platform or utilize other gestures?
How uniform is the typing rhythm?

‍

Through the behavioural monitoring of a user’s loan or credit card application, we provide lenders with a new credit assessment tool based on users’ actions. We crunch these metrics with an algorithm that also accounts for behavioural variances across platforms and can detect if automated activity might be involved (for instance, a bot for application form completion or past e o r autocompletion tool).

‍

CredoLlb’s Behavioural Application Analysis seamlessly integrate in any mobile app and website. It collects behavioural metrics via a simple JavaScript that enriches the credit assessment without introducing any friction in the user experience.

‍

Risk

What happens during Data Collection?

View All

highlight

Data collection is the process consisting of two steps: Gathering information from customers and Gathering information using the performance data.

‍

In the first step, information is collected from the customers using SDK. During this phase you can monitor the datasets uploaded onto CredoLab' servers to check it's quality (no duplicates etc). The data collected is used to train the AI algorithms used to select the most predictive delinquent behavioural patterns.

‍

In order to build a tailor-made scorecard, you also need to provide us with performance data for the disbursed credit alongside the collected metadata from the customers. This performance data file should contain a binary target indicating if a borrower is “good” or “bad” (from credit risk perspective).

‍

Given the behavioural nature of the score, we will tailor-make each scorecard based on the particular population and product that you want to assess.

‍

Risk

What happens during Model Building?

View All

highlight

Credit risk models are built to provide a quantitative estimate of the probability that a customer will display a defined behaviour as provided by the bank with their performance data. In our modelling stage, we always divide the available data into a training set, a validation set, and a test set. Consistent with industry practices, the training set is used for fitting the model, the validation set is optionally used to optimize parameters, and the test set is used for reporting the accuracy of the final model with its chosen parameters. Dividing up the dataset in this way for different purposes serves to provide better estimates of actual model performance on individuals who are either new-to-credit or new-to-bank.

‍

Risk

What happens during Model Calibration?

View All

highlight

Model calibration is done after a model is deployed in production. Model calibration is the process of fine-tuning and improving the model with new data coming from the same bank. Tuning a model involves changing parameters such as learning rate or optimizer. Or model-specific architecture factors such as number of trees for random forests and number of and type of layers for neural networks.

‍

During the first 12 months, we recommend you share the performance data on a monthly basis. With this data, we can fine tune the model and improve it. As the portfolio matures, we recommend to perform a quarterly or semi-annual calibration.

‍

Part of the calibration process is again out-of-sample and out-of-time validations. These are important steps to avoid overfitting, the practice in which the model fits the empirical data too well which results in less accurate predictive results for the new set of input data.

‍

Risk

What happens during Model Deployment?

View All

highlight

This step is carried out by you along with our assistance.

‍

Model deployment in data science refers to the application of a model for prediction using new data. Depending on your requirements, the model deployment phase can be as simple as generating a report or as complex as implementing a repeatable data science process.

‍

We will provide you with a manual for this step. The manual contains the details of the datasets being used for model building, the subset of features being selected as the most predictive to be included in the final model. The manual also includes the model performance (train vs. test) and the charts summarizing the distribution of the users per risk score.

‍

Risk

What happens in Data Preparation phase?

View All

highlight

Data Preparation involves processing the raw data so that machine learning algorithms can uncover insights and make predictions. CredoLab uses proprietary software and algorithms to transform the raw data collected during the data collection phase into millions of features which are a foundation of all further steps of a modelling process.

‍

Risk

What happens in the Feature Selection Phase?

View All

highlight

Feature selection eliminates irrelevant or redundant features with the aim of increasing accuracy of the scoring model. We typically reduces the number of features from 1,300,000 to about 5,000 via fast and greedy algorithms. We then apply sophisticated proprietary algorithms to accurately select a few dozens of the most predictive and stable features. We always use a few different feature selection algorithms to ensure that we focus on features that are relevant to the problem we are trying to solve (predict risk).

‍

Risk

What info can I see during the scorecard development phase?

View All

highlight

During the scorecard development phase you will be able to monitor the progress of datasets uploaded but will not receive a score. The very purpose of the data collection phase is to collect enough dataset required to tailor-make the scorecard model. After you approve the scorecard, we then put it into production and starts charging a fee per requested score. At the end of the pilot you will receive the scorecard and the underlying features.

‍

CredoSDK

What is CredoSDK?

View All

highlight

A simple plug and play data collection and credit scoring tool offered by credolab that can be easily integrated into your existing mobile application. Flexible APIs ensure that our scoring technology easily integrates with your existing IT infrastructure. CredoSDK enables companies to get started with AI credit scoring quickly with little hassle.

‍

CredoWeb

What is CredoWeb?

View All

highlight

A data collection toolkit that helps lenders score the applicants on desktop. The CredoWeb is a simple JavaScript that sits on the lender’s application web page to collect device fingerprint and behavioural data about the way an application form is filled in. The scoring algorithm uses a two-fold intelligence to assesses the creditworthiness of an applicant. It combines the device data insights with that of browser behaviour to get you a more predictable credit score for each applicant.

Risk

What is the Gini coefficient of an average credolab scorecard?

View All

highlight

The Gini coefficient of CredoLab's scorecards varies from client to client. As of today, credolab has consistently delivered scorecards with an average of 30% higher Gini coefficient than the traditional scorecards used by the client.

‍

CredoSDK

What is the Swift version CredoSDK supports?

View All

highlight

Swift version 5.2 and higher.

‍

CredoSDK

What is the Xcode version compatible with CredoSDK?

View All

highlight

Xcode 11.3.

‍

Product

What is the size of the average datasets?

View All

highlight

The file containing the metadata used to calculate the credit score is no bigger than 50kb.

CredoWeb

What is the two-fold intelligence that CredoWeb provides?

View All

highlight

CredoWeb focuses on two levels of analysis: Behavioural Application Analysis of the user and Anti-Fraud Checks of the device.

Security and Data

What is the unique ID for?

View All

highlight

In order to maintain the anonymity of the applicant, credolab connects every end-user's application to a unique identifier generated from the backend by you. This identifier could be the card/loan application number, or any alphanumeric combination. Only you will be able to see who this ID belongs to.

‍

Security and Data

What permissions need to be granted before scoring can start on CredoWeb?

View All

highlight

No permissions are needed because our web solution only monitors the your behavioural pattern within the process of application. It is essentially a single-session data capture process that starts when you start the application form and ends the moment you submit your form.

General

What sets credolab apart?

View All

highlight

Data sources: credolab uses permissioned metadata (defined as data about other data) to arrive at the credit score. No private nor sensitive information of the applicant is accessed or moved out of the mobile phone.
One-time analysis: Unlike many alternative data-based scoring solutions, credolab’s algorithm analyses data only once, at the time of application after explicit consent is received from the applicant. Other players that rely on browser data or social media data scrape the personal information of the customer on a regular basis for a long period of time, some perpetually.
Scalability: The AI-based algorithm learns and becomes more accurate and predictable as more data is fed into it. Therefore, the larger the set of data observed, the better the scoring.
Privacy: Applicant’s data is of the utmost importance to credolab. We explain what data we access, why we access it, and how we process it in full transparency. The Privacy Policy is publicly accessible to all users in multiple languages. Furthermore, credolab’s app does not proceed with any credit analysis unless the privacy consent and the necessary mobile Operating System’s permissions are given. Once these are received, the app captures only metadata, not private or sensible data. Once the data is analysed, the results is shared only with the lender tagged to a unique, randomly generated identifier, and not shared with any third party.

‍

General

What types of scorecards can we develop?

View All

highlight

We can develop scorecards for all unsecured lending products including credit cards, personal loans, POS loan, payday loans, two-wheeler loans and auto loans. Our scorecards are effective with all user segments including new-to-bank and new-to-credit customers, and also to cross-sell to existing customers in developed and developing countries.

‍

Security and Data

Where will this data be stored?

View All

highlight

The data extracted is stored in the form of a JSON file on secure clouds provided by Microsoft Azure or a secure local server depending on our client's and country's policy and regulation. We are generally compliant with respective governmental regulations and local data is kept within the country, but credolab remains the sole proprietor of the data collected.

Security and Data

Which cloud storage provider do you use?

View All

highlight

Credolab has been working with Microsoft Azure for our cloud storage solutions. If your country or company has any other service provider you’d like to use instead, we could confirm on this after checking the security levels and the integration requirements from our side.

‍

General

Who are credolab's current partners?

View All

highlight

Within a short span of time, credolab has grabbed the attention of the right kind of businesses who have partnered with us to offer a wholesome solution to our clients. View our current partners.

General

Who can I approach if I’m interested to know more about purchasing your product?

View All

highlight

You can get in touch with one of our sales representatives to take the conversation forward. We will get back to you as soon as possible to show you a demo of our products and know more about your business objectives.

‍

General

Who is credolab?

View All

highlight

Credolab develops bank-grade digital scorecards for any industry at the intersection with financial services from the best source of alternative data: smartphone and web behavioral metadata. CredoLab’s credit scoring platform generates customised digital scores built on over 10 million loan applicants across 50+ lending partners. Our bank-grade algorithm crunches over millions of features from opt-in smartphone metadata to find the most predictive behavioural patterns before converting them into credit scores.

‍

Established in Singapore in 2016, CredoLab has powered almost USD 1 Billion in loans issued after analyzing about 1 trillion data points across 20 countries. We are backed by Fintonia Group, FORUM, and Walden International.

Security and Data

Who will have access to the data within credolab?

View All

highlight

Only authorized and trained employees of Research and Development department have read only access to the data. In addition to this, the customer success team working with you will also have access to the data, after your explicit authorization.

‍

Security and Data

Why do loan or credit card applicants need to give permissions?

View All

highlight

Credolab values the privacy of borrowers and is committed to keeping their data private and secure. As such, credolab will access users' data only after they have agreed to all relevant operating system permissions, given their privacy consent, and after they have submitted their application.

Security and Data

Why does credolab collect smartphone data?

View All

highlight

Credolab collects the anonymous, non-personal metadata from the smartphone device to calculate the user's credit score in order to predict the default rate. Of all the alternative data available - social, phone bills, psychometric data etc - smartphone metadata is the most predictable and non-intrusive.

‍

Refer to the table below to see how each of CredoLab's products handles data.

‍

CredoSDK

Why should CredoSDK excite me?

View All

highlight

This is a no-fuss, simple plug-and-play digital scoring tool. This product is highly recommended for businesses who already have an existing app with a substantial active client base. Our flexible APIs ensure that our scoring technology easily integrates with your existing infrastructure. CredoSDK enables companies like yours to get started with AI credit scoring quickly with increasing approval rates, while keeping your risk under control and start accepting more customers with CredoSDK. Find out more here.

Security and Data

You collect so much of people's data. What if it leaks out?

View All

highlight

With the anonymous approach, credolab focuses on protecting the users’ data privacy. Even if users’ data are stolen, it would be impossible to identify neither a user, or any of her contacts, or fetch any other information from a data set. Credolab does not collect the content of messages or emails, phone numbers, contact names, geolocation or any other personal data.

‍

No results

Whoops!

Looks like we don't have any results for that...

Click here to reset filters →

View All

Schedule a live demo

Our office locations

Take your results to the next level

Testimonials

FAQ

Tap into behavioural data insights today