CredoLab

CredoLab develops bank-grade digital scorecards for banks, consumer finance companies, auto lenders, online and mobile lenders, insurance companies, and retailers from the best alternative data source - smartphone device metadata. Built on over 21 million loan applicants across 70+ lending partners, our AI-based algorithm crunches millions of datasets from opt-in smartphone metadata to find the most predictive behavioural patterns before converting them into alternative credit scores. These enable any lender to make the most granular assessments possible of their applicants. Established in Singapore in 2016, CredoLab has powered well over USD 1 Billion in loans issued after analysing about 1 trillion data points across 21 countries. We are backed by Fintonia Group, FORUM, and Walden International.