CredoLab

About

Credolab is a behavioural risk-scoring company that helps lenders assess credit risk using device and behavioural metadata rather than credit history. It collects behavioural interaction data through proprietary SDKs and delivers scores via an API to complement lenders' existing risk models, with a focus on thin-file and new-to-credit applicants, and it has also launched fraud intelligence, marketing intelligence and income prediction products. The company set up its first regional hub in Singapore, later adding hubs in Miami and Dubai, and says its models draw on behavioural patterns learned across 50 countries. It raised a USD 7 million Series A led by GBG and lists FORUM Capital and Fintonia Group among its early investors. Partners and clients named on its site include Tonik Bank in the Philippines, Mexican credit bureau Circulo de Credito and Zoloz, part of Ant Digital Technologies.