Our story

Credolab is a growing B2B SaaS Fintech that develops bank-grade digital scorecards built on mobile devices and online web behavioural metadata. Our pay-per-use solutions are available to banks and neobanks, digital lenders and BNPL players, insurance companies, and any industry at the intersection with financial services (e-commerce, ride-hailing apps, travel, retailers).

Headquartered in Singapore with offices in London, Miami and Jakarta, credolab targets a global market of 4 billion under-served consumers. As of 2021, credolab has powered over $1 billion in loans to consumers in 30+ markets across Asia, Europe, Africa, Latin America and most recently, North America in 2022.

Through credolab, clients can expect an uplift in their risk model’s predictiveness, reduce their cost of risk, increase their market share, and significantly reduce time-to-yes from hours to seconds without necessarily calling the credit bureau.

Credolab's proprietary data modelling pipeline rooted in Machine Learning algorithms analyses over 80,000 privacy-consented data points from a smartphone device, converting customers' digital footprint into highly predictive scores tailor-made to each client.

Established in 2016, credolab now has 50+ employees working in Singapore, Ukraine, Indonesia, Philippines, India, Brazil, Mexico, UK, UAE, Czech Republic, Italy and the United States. With over 10+ languages spoken, the credolab brand has never been more diversely represented; as we continue to grow as a global company and as a family.