Driving digital originations together

CredoLab and ADEPT™ Decisions have created CredoDecide, a digital originations in a box solution. Through gamified mobile onboarding, the power of AI-driven alternative credit scoring algorithms, and a flexible decision engine, banking and non-banking financial institutions can open a digital originations channel in less than 60 days.

Why Should This Excite You?

One-Stop Digital Channel

Onboard customers easily and without friction with a digital solution that starts and ends on the same channel.

AI-based Credit Scoring

Assess unbanked and New-to-Credit customers with real-time alternative credit scores and fraud checks.

Lower Cost of Risk

Increase the accuracy of your credit decisions with AI and smartphone metadata to get higher approval rates at lower cost of risk.

Automated Banking Platform

Apply credit policies, generate pricing and credit terms automatically with this digital-savvy banking platform.

Quick and Efficient Solution

Go live and reap benefits of a 100% digital tool in weeks, not months with SaaS, cloud, and AI.

Monetize Digital Data

Maximise profits with an integrated digital originations channel.

Maximise the power of integrated AI-backed digital scoring algorithms and a SaaS-based decision engine. Find out more here.



This rule triggers when a device has been confirmed as fraudulent


This rule triggers when the device is on a blacklist


This rule triggers when an application originates from a location marked as risky


This rule triggers when inconsistencies are identified on a device


This rule triggers when the same device applies for multiple loans


This rule triggers when a device looks suspiciously like confirmed fraudulent devices


Crunches nearly 1 million behavioural features from opt-in metadata to generate credit scores

Device Risk

Uses device recognition and intelligence technology to track over 45 types of fraud and abuse

How do we fit into your business model?

Arrange a meeting with us to discuss