Initially focused on alternative risk scoring for banks and lenders, today Credolab is the largest data analytics platform based on smartphone and web behavioural metadata available to any company with a mobile app and a website.
Trusted by the World’s Biggest Brands
500+M
Digital Footprints
50+
Countries
0
Personal Data
Credolab is a Data and Analytics platform that provides insights and scores built to improve risk assessment, fraud prevention and marketing processes.
Credolab's insights and scores enable clients to make better decisions at every customer touch point: application, registration, onboarding, account login, and at every marketing communication.
Our solutions leverage proprietary behavioural biometrics and device metadata derived from privacy-consented, non-personal, and anonymised smartphone and web interactions. Utilising over 80,000 data points analysed through advanced Machine Learning algorithms, Credolab delivers highly predictive and real-time scores and granular insights via a unified API.
This data-driven approach empowers businesses to:
• Reduce credit risk with alternative risk scores, offering higher predictive capabilities to identify potential defaulters, resulting in increased approval rates and decreased risk costs.
• Enhance fraud detection through fraud scores and checks, efficiently identifying fraudulent applications and usage to mitigate fraud costs and eliminate fraud.
• Optimise marketing efforts that drive more effective lead generation and campaigns, optimise conversions, and enhance marketing spending.
Established in 2016, Credolab has achieved global expansion, with offices strategically located worldwide and a team spanning 11 countries. Serving a client base of over 200 in 52 countries, our commitment to continuous innovation is evident in delivering solutions that propel business success, champion financial inclusion, and positively impact the bottom line across diverse industries.
More than 15 awards and recognitions
How we affect that future - what we seek to get done
Credolab improves people’s lives by powering every credit decision.
How we see the future -
why we do what we do
Easy access to fair credit for all.
How we do what we do in pursuit of our goals
Audaciously Driven. Credolab employees are proactive in identifying opportunities for improvement and client insight. They are cost conscious, clear on company and personal goals, keep them in mind and drive toward them. They don’t give up easily and are curious, digging deeper to find answers rather than giving up. Reliable. As a SaaS business, Credolab must deliver reliability to our customers to remain in business. Credolab employees have a high level of personal accountability. We know we can rely on one another to complete tasks accurately, proactively and in a timely manner.
Optimistic. Credolab employees approach topics with an open mind, ready to look at different options and alternatives. They always seek solutions and ways to deliver, never excuses.
Curiously Intelligent. Curiosity enables us to understand our clients’ needs and develop useful business solutions. Credolab employees keep an open mind. They ask challenging questions because they’re the right questions. They are domain experts who look beyond obvious solutions to deeper principles or applications.
Client Centricity: Credolab employees start with the client and work backwards. They work vigorously to earn and keep client trust. Although they pay attention to competitors, they obsess over clients to generate long-term value instead of short-term results. They are externally aware and look for new ideas from everywhere to find ways to improve and simplify existing processes. They think differently and constantly look for ways to serve clients increasingly better.
The people behind the magic at Credolab
Peter Barcak
Founder & CEO
Michele Tucci
MD Americas, Chief Strategy Officer
Pavel Herber
Chief Operating Officer
Dmytro Kurov
Chief Technology Officer
Pär Svälas
Managing Director Global Sales
Where the magic happens
USA
Ukraine
Czech Republic
Singapore
Indonesia
