Credolab Pte Ltd
Của Credolab Pte LtdBehavioural risk scoring company that helps lenders assess credit risk and intent from device and behavioural metadata.
- Giai đoạn
- Đã mở rộng
- Ngành
- Ngân hàng và tài chính
- Công nghệ
- Du lịch và lưu trú
- Triển khai
- Đám mây (SaaS)
Giá trị mang lại
CredoLab’s unique value is turning smartphone and web behavioral signals into real-time AI-powered credit and fraud scores, enabling lenders to safely approve customers who are invisible to traditional credit bureaus.
- Credolab's mobile SDK collects up to 80,000 device and behavioral interaction signals from a consenting user's smartphone — app usage patterns, temporal behaviors, device configuration, keystroke patterns, UI interactions, gestures at application form stage — and generates a risk score in real-time. The process is entirely privacy-preserving: no personal data is ever processed. No messages, no contacts, no photos, nor any other personally identifiable content or information are accessed.
- For Shinhan Finance, we propose integrating the Credolab SDK at two touchpoints:
- Acquisition funnel: score applicants at the point of digital application, enriching the existing credit policy with a behavioral signal that has proven to improve Gini coefficients by up to 30% on total population, and up to 50% on thin-file segments in comparable Vietnamese deployments.
- Next-best-product recommendation engine: use post-onboarding behavioral signals to predict which Shinhan Finance product a new customer is most likely to adopt next — instalment loan, credit card, insurance — enabling AI-driven outreach with demonstrably higher conversion rates
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Khách hàng phù hợp nhất
The ideal CredoLab customer is a digitally mature lender (bank, fintech, BNPL, or super app) with at least 1M users, high loan application volumes, and a mobile/web onboarding journey where faster, more accurate credit decisions and fraud detection can directly improve approval rates and reduce default risk.
Khách hàng tiêu biểu đang trả phí
- Circulo De Credito, Maisha, Fairmoney, Tonik, Cashea, Zazpay, Agibank In addition, proven in Vietnam Live with 5 of Vietnam's leading consumer-lending and financial institutions — no new-country risk, battle-tested models, local operational team on the ground.
2017 — Pre-Series A Breakthrough 2020 — Series A Funding (Major Growth Stage) 2020–2022 — Scale & Commercial Growth Claimed 7 2023–2025 — Ecosystem Expansion Phase Partnerships with: Credit bureaus Lending platforms Fraud & identity tech providers+ clients across 20+ countries 2026 — 10-Year Milestone