Credolab AI features and pricing (October 2026)

Credolab scores loan applicants using anonymized device and behavioral metadata collected through a mobile or web SDK. Banks, digital lenders and fintechs use it to assess applicants with little or no credit bureau history.

Lenders embed an Android, iOS or web SDK in their application flow. With the applicant's explicit consent, it collects device and behavioral metadata, and the vendor states it has no access to messages, contacts or location. Scores and insights are delivered through an API or web dashboard and complement existing decision engines.

Credolab set up its first regional hub in Singapore and later added hubs in Miami and Dubai. It names more than 325 clients, including Tonik, FairMoney and alt.bank.

• Scores applicants without credit historyModels trained on data from more than 50 countries turn device and behavioral metadata from the application session into a risk score. Credit teams can then assess thin-file and unbanked applicants that the credit bureau cannot score, and the vendor reports higher approval rates.
• Builds a lender-specific scorecardOnce enough loan performance data exists, Credolab moves from an off-the-shelf model to a scorecard calibrated on the lender's own defaults. It is validated with out-of-time and out-of-sample tests and handed over with a manual and staff training.
• Spots application fraudDevice and behavioral intelligence flags emulators, automated attacks, first-party deception and unusual application velocity during onboarding. Fraud and credit teams receive these signals alongside the risk score and can stop suspicious applications early.

• Uses anonymized device and behavioral metadata with explicit applicant consent instead of personal content such as contacts or messages.
• Public list prices for the Credolite and Credoone subscriptions, which is uncommon among credit scoring vendors.

Credolab is based in Singapore and reports clients in more than 50 countries, with roughly half of revenue coming from Latin America according to the vendor.

Scoring the creditworthiness of individuals is high-risk under Annex III No. 5 of the EU AI Act, so lenders need documented human oversight and explainable reasons for declines. Check the consent flow under GDPR and whether behavioral metadata counts as personal data in your market. Hosting regions are not published, which matters for outsourcing under EBA guidelines and DORA.

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