Credolab provides very predictive and accurate alternative credit scores based on smartphone and Web behavioral metadata. Ideal for BNPL, Challenger Banks and Digital Lenders, Credolab's Mobile and Web SDKs allow you to access consented and permissioned data.
We developed this product because we believe loans improve lives. We also believe traditional banking processes leave a lot of people out of the process. That’s why credolab is changing the way the world looks at credit.
Our pioneering technology calculates credit scores based on people’s mobile and web-behavioral data— so lenders can make decisions based on the way people live and work in the modern world.
Making loans more accessible to more people benefits everyone.
By using credolab's alternative scores, BNPL, digital lenders, neobanks and any financial institution can decrease delinquency by up to 40%. They can also make credit decisions fast - in real-time, improve approval rates, and keep their cost of risk at bay.
By allowing lenders to process their privacy-consented and anonymously collected metadata, any borrower improves their chances to be assessed fairly, without any bias and without worrying about their FICO score.
Credolab SDK