CredoLab

CredoLab is a behavioural risk scoring company founded in 2016 and headquartered in Singapore, with regional hubs opened in Miami and Dubai in 2022. It sells alternative credit scores to banks, lenders, insurers and fintechs that need to underwrite applicants with little or no credit bureau history, a common situation across Southeast Asia, Africa and Latin America.

A software development kit embedded in the lender’s own mobile or web application collects anonymised device and behavioural metadata with the applicant’s consent, without reading personal content such as messages or contacts, and returns a score through an API in real time. Alongside behavioural scoring, CredoLab offers a Fraud Intelligence Suite, a Marketing Intelligence Suite and an income prediction model. The company reports over 325 clients across more than 50 countries, more than 200 million people scored and over one billion datasets; named clients include Tonik, FairMoney, Cashea and TransUnion. It reached profitability in 2024 and is a World Economic Forum Technology Pioneer.

1. Mobile and web SDK: Native iOS and Android plus cross-platform kits embed in the lender's existing application journey.

2. Privacy-by-design data: Only anonymised device and behavioural metadata is used, not message, photo or contact content.

3. Full-population coverage: A behavioural score is produced for every applicant, including those with no bureau file.

4. Fraud Intelligence Suite: Device-level signals flag application fraud and synthetic identity patterns.

5. Income prediction model: Estimates applicant income where payslips and tax records are unavailable.

6. Proven reach: Over 325 clients in more than 50 countries and over 200 million people scored.