Credolab
Credolab is a Singapore-based AI behavioral analytics company that provides alternative credit scoring, fraud detection, and income prediction using device and web metadata via SDK and API integrations, serving 325+ banks, neobanks, BNPL providers, and credit bureaus across 50+ countries.
- Company typePrivate
- Founded2016
- HeadquartersSingapore, Singapore
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Credolab does
Credolab is a Singapore-headquartered B2B AI behavioral analytics company founded in 2016 that provides alternative credit scoring and fraud detection to financial institutions. Its platform analyzes device and web behavioral metadata — including app usage frequency, typing speed and cadence, gestures, and UI interactions — collected via lightweight SDKs (Android, iOS, Web, React Native, Flutter, Cordova, Capacitor) and processed through machine learning models built on logistic regression to deliver real-time risk scores and fraud signals via API. The platform achieves a 100% applicant hit rate including for credit-invisible individuals, addressing two of the five Cs of credit (Character and Capacity) that traditional bureau data cannot assess in real time, and complements — rather than replaces — clients' existing credit risk models through a modular waterfall optimization architecture. Certifiable integrations with TransUnion, Mastercard, Visa, GBG, Zoloz, Mambu, and decision engines such as Provenir and Taktile embed Credolab's scores into broader fintech infrastructure.
Credolab serves 325+ clients across more than 50 countries, including tier-1 credit bureaus (TransUnion, Círculo de Crédito), neobanks (Tonik, Agibank, FairMoney), BNPL providers (Lalett, Cashea), consumer lenders (CrediOrbe, AsiaKredit, Flow, Alt.Bank), and emerging verticals such as earned wage access (Ualett). The company operates commercial offices in Singapore (headquarters), Miami, and Dubai, and is described as profitable and privately held. Revenue is generated through subscription-based licensing of its behavioral intelligence platform with modular module pricing, supplemented by a 30-day free SDK trial, interactive ROI and loan approval simulation tools, and a product-led growth motion layered on top of enterprise field sales.
The technology has been validated across multiple jurisdictions with reported client outcomes including up to 40% Gini/K-S improvement, up to 45% boost in predictive power, up to 32% increase in approval rates, and up to 50% reduction in defaults. Credolab holds ISO 27001:2022 certification and is compliant with GDPR, CCPA, PDPA, LGPD, LFPDPPP, and POPIA. Recent product investment includes an Income Prediction Model launched in late 2025 that extends the platform to estimate applicant income from smartphone metadata without accessing personally identifiable information.
Credolab firmographics
Firmographics- Name
- Credolab
- Legal name
- Credolab
- Website
- https://credolab.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Credolab is a Singapore-based AI behavioral analytics company that provides alternative credit scoring, fraud detection, and income prediction using device and web metadata via SDK and API integrations, serving 325+ banks, neobanks, BNPL providers, and credit bureaus across 50+ countries.
- Ownership category
- akta.pro rank
Credolab industry classification
Industry- Product category
- Alternative Credit Scoring & Behavioral Analytics
- NAICS
- Credit Bureaus (561450), Credit Bureaus (56145), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Data & Analytics for CRM (Attribution, BI, Predictive) (BPAFAFAE)
- akta.pro secondary industries
- Marketing Automation & Campaign Management CRM (HDAEAFAB), Direct Response & Database Marketing (Mailing Lists, Data Hygiene) (MPAAAIAK)
Keywords
Where Credolab is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices3 records
Markets served
Credolab business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Behavioral Scoring Subscription: Credolab generates revenue through subscription-based licensing of its behavioral intelligence platform. Financial institutions pay for access to behavioral risk scores, fraud signals, and predictive features delivered via API. The modular architecture allows clients to choose which insights modules to activate, creating flexible pricing arrangements. As a B2B analytics company serving 325+ clients across 50+ countries, the primary revenue stream is recurring subscription fees with potential usage-based components tied to API call volumes or applicant scoring volumes.
- SDK Integration and API Services: Revenue is generated from providing SDK integration services and API access for real-time behavioral data processing. The company offers different SDK options for various platforms (Android, iOS, Web, React Native, Flutter, Cordova, Capacitor), with integration support included in the service offering. API calls that return risk scores and predictive features in real time form part of the usage-based revenue component.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | SDK Trial - 30-day free evaluation access |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
Credolab product offering
Product offeringCore offering
Credolab provides a B2B AI behavioral analytics platform that transforms device and web behavioral metadata into predictive credit risk scores, fraud signals, and marketing insights for financial institutions. The platform integrates via lightweight SDKs (Android, iOS, Web, React Native, Flutter, Cordova, Capacitor) and REST API, delivering real-time scoring with zero PII and a 100% applicant hit rate including for credit-invisible populations. Revenue is generated primarily through subscription-based licensing of behavioral scores and API access, with optional usage-based components.
Product overview
Credolab is an AI behavioural analytics company offering an alternative data credit scoring platform with a modular, SDK-based architecture. The core platform consists of Behavioural Risk Scores and Fraud Detection capabilities that integrate as a complementary layer to existing credit risk models. SDKs are available for Android, iOS, Web, React Native, Flutter, Cordova, and Capacitor, enabling integration across all major mobile and web platforms. The platform provides 100% applicant coverage including for credit-invisible individuals, using device and behavioural metadata processed through machine learning models. Additional features include the Income Prediction Model for estimating applicant income without PII, Marketing Optimisation Insights for segmentation, and interactive tools (Loan Approval Optimiser, ROI Calculator, Data Readiness Check) for evaluation and planning.
Differentiator
Problem solved
Functional benefit
Products and services
- Behavioural Risk Scores
Quantifiable outcome
- Up to 40% improvement in Gini coefficient or K-S statistic from behavioral layer
- +11 more outcomes
Companies that use Credolab
Customer profileNamed customers12 records
Segments8 records
Ideal customer profiles3 records
Credolab technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability4 records
Feature9 records
Credolab partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core.
- MastercardcoreMastercard is listed as a payment network partner. Credolab's behavioral intelligence can be integrated alongside Mastercard's payment infrastructure and card issuer services to enhance credit risk assessment for card-based lending products.
- VisacoreVisa is listed as a payment network partner. Credolab's behavioral scoring can complement Visa's payment network data and issuer services for credit decisioning in card and digital payment ecosystems.
- TransUnioncoreTransUnion is a credit bureau partner. Credolab was selected by TransUnion's Vice President of Product, International, for the quality of its risk scores and integrated into TransUnion's Digital Onboarding platform alongside identity, fraud, affordability, and decisioning tools. Credolab's behavioral intelligence layer complements TransUnion's bureau data to expand the scorable population.
- Círculo de CréditocoreCírculo de Crédito is a Mexican credit bureau partner. Their Chief Growth Officer described Credolab's technology as enabling the scoring of unbanked and underserved individuals, expanding the scorable population and fostering financial inclusion in the Mexican market.
- GBGcoreGBG is an identity verification partner. Credolab's behavioral scoring integrates with GBG's identity verification solutions to provide a comprehensive risk assessment at onboarding, combining identity proofing with behavioral intelligence.
- Zoloz (Ant Group)coreZoloz, an Ant Group company, is an identity verification partner. Credolab's behavioral scoring complements Zoloz's eKYC and identity verification capabilities for fraud prevention and credit risk assessment in digital lending deployments.
- BeClevercoreBeClever is a decision engine partner. Credolab's behavioral scores integrate with BeClever's decisioning platform to enable real-time credit decisions incorporating behavioral intelligence alongside traditional decision rules.
- ProvenircoreProvenir is a decision engine partner. Credolab's behavioral risk scores feed into Provenir's decisioning platform to enhance fraud detection, credit assessment, and customer onboarding workflows.
- Synapse AnalyticscoreSynapse Analytics is a decision engine partner. Credolab's behavioral intelligence integrates with Synapse Analytics' decisioning capabilities to enhance credit risk modeling and fraud detection.
- TaktilecoreTaktile is a decision engine partner. Credolab's behavioral scores integrate with Taktile's decisioning platform to enable financial institutions to incorporate behavioral risk signals into credit and fraud decision workflows.
- HES FintechcoreHES Fintech is a loan management and origination system partner. Credolab's behavioral scoring integrates with HES Fintech's loan management platform to enhance credit decisioning, fraud detection, and customer assessment throughout the loan lifecycle.
- MambucoreMambu is a cloud banking platform and loan management system partner. Credolab's behavioral intelligence integrates with Mambu's platform to enable neobanks and digital lenders to incorporate behavioral risk scores into credit origination and portfolio management.
- MO TechnologiescoreMO Technologies is a loan management and origination system partner. Credolab's behavioral scoring integrates with MO Technologies' solutions to enhance credit risk assessment, fraud detection, and lending decisioning for financial institutions.
- TruValidate (TransUnion)coreTruValidate (formerly iovation) provides fraud detection and device intelligence that complements Credolab's behavioral scoring. The integration enables clients to access both fraud signals and behavioral risk scores through a unified workflow.
Scale indicators10 records
Recent moves6 records
Expansion highlights5 records
Credolab competitors and assessment
Company assessmentDirect peers
- NeuroID: NeuroID provides behavioral analytics and risk scores from device and session interactions, used by lenders and fintechs for fraud detection and credit underwriting. Direct overlap with Credolab in behavioral risk scoring, digital onboarding, and thin-file applicant assessment.
- BioCatch: BioCatch applies behavioral biometrics to detect fraud and verify identity across digital banking sessions. Directly comparable to Credolab on behavioral signal collection, fraud-vs-real-customer discrimination, and B2B sale to banks and fintechs.
- Featurespace: Featurespace builds adaptive behavioral analytics for fraud and risk management, serving issuers, acquirers, and lenders globally. Comparable to Credolab in real-time anomaly detection and machine-learning-driven risk scoring for financial institutions.
- Zest AI: Zest AI provides AI-driven credit underwriting models for lenders, focusing on thin-file and underserved borrowers. Comparable to Credolab's alternative credit scoring, predictive risk model layer, and lender-focused deployment model.
- Arkose Labs: Arkose Labs delivers device intelligence, bot detection, and fraud prevention for digital onboarding and account opening flows. Directly comparable to Credolab's fraud signals, device-level risk detection, and SDK-based integration with lenders.
Emerging players
- DataVisor: DataVisor applies unsupervised machine learning to fraud detection and AML for financial institutions. Partial overlap with Credolab on behavioral fraud signals and decisioning layer, with a broader AML focus.
- Socure: Socure combines identity verification, fraud prevention, and risk decisioning for digital lenders and banks. Overlaps with Credolab in onboarding-time risk scoring and thin-file applicant coverage, with a stronger IDV core.
- Provenir: Provenir is a decisioning platform for credit and fraud risk used by lenders, BNPLs, and fintechs. Adjacent to Credolab — integrates with it as a partner — but overlaps in the broader risk-decisioning workflow for the same buyer.
Broad incumbents
- LexisNexis Risk Solutions (ThreatMetrix): LexisNexis Risk Solutions, including the ThreatMetrix device intelligence franchise, provides identity, fraud, and compliance analytics to global banks and lenders. Comparable to Credolab on device/fraud signals, but as part of a much broader risk-data portfolio.
- TransUnion (TruValidate / OneTru): TransUnion is a global credit bureau and a current Credolab partner via TruValidate. Operates an adjacent alternative-data and fraud platform that competes with and distributes Credolab; serves many of the same lenders.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Credolab social profiles
Digital presenceCredolab compliance and trust
Trust signalCompliance8 records
Credolab financial estimates
Financial estimateRevenue estimate
Valuation estimate
Credolab leadership team
Management profileNumber of profiles
Profiles5 records
Credolab funding detail
Funding detailFunding overview
Funding rounds5 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Credolab M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Credolab
What does Credolab do?
Credolab provides a B2B AI behavioral analytics platform that transforms device and web behavioral metadata into predictive credit risk scores, fraud signals, and marketing insights for financial institutions. The platform integrates via lightweight SDKs (Android, iOS, Web, React Native, Flutter, Cordova, Capacitor) and REST API, delivering real-time scoring with zero PII and a 100% applicant hit rate including for credit-invisible populations. Revenue is generated primarily through subscription-based licensing of behavioral scores and API access, with optional usage-based components.
Is Credolab a public or private company?
Credolab is a private company. It is classified as venture growth investor backed and is currently operating.
When was Credolab founded?
Credolab was founded in 2016. It employs 11 to 50 people.
Where is Credolab based?
Credolab is headquartered in Singapore, Singapore, in the Asia region.
How does Credolab make money?
Two revenue lines are on record. Behavioral Scoring Subscription is the primary driver. The others are SDK Integration and API Services.
Who are Credolab's main competitors?
Direct peers on record are NeuroID, BioCatch, Featurespace, Zest AI and Arkose Labs. Emerging players are DataVisor, Socure and Provenir. Broad incumbents are LexisNexis Risk Solutions (ThreatMetrix) and TransUnion (TruValidate / OneTru).
Does Credolab have an API?
Yes. Credolab offers a REST API for uploading datasets, collecting dataset insights, and integrating with third-party fraud services. The API supports: Uploading datasets, Collecting dataset insights, TruValidate (formerly iovation) fraud check integration, and Error codes and messages handling. API documentation is publicly available at docs.credolab.com with detailed guides for integration. Developer documentation is at docs.credolab.com/docs/get-started.
What industry is Credolab in?
Credolab's product category is Alternative Credit Scoring & Behavioral Analytics. Its primary akta.pro industry code is BPAFAFAE, Data & Analytics for CRM (Attribution, BI, Predictive), with a secondary code of HDAEAFAB, Marketing Automation & Campaign Management CRM. Its NAICS code is 561450 and its SIC code is 7320.