Credolab processes only 1st party, privacy-consented, and permissioned metadata
That's right. We deliver super predictive risk, fraud, and marketing insights without having to know the identity of your customers
That's right. We deliver super predictive risk, fraud, and marketing insights without having to know the identity of your customers
Whether for risk assessment, fraud detection, or marketing segmentation, our SDKs collect only privacy-consented, anonymous, and depersonalised digital footprints without any file or Personally Identifiable Information (P.I.I.) ever leaving the mobile or website
ANDROID
SDK
Easily embedded in any Android app, our technology can collect metadata from the following categories: Device Info, Media, Calendars, Contacts, SMS, and Applications, and Behavioural data such as UI interactions, keystroke patterns, and gestures
iOS
SDK
Easily embedded in any iOS app, our technology can collect metadata from the following categories: Device Info, Media, Calendar Info, Reminders, Contacts, Audio, and Behavioural data such as UI interactions, keystroke patterns, and gestures
WEB
SDK
Easily embedded in any website and mobile responsive website, our technology can collect behavioural metadata such as UI interactions, keystroke patterns (typing speed, typing cadence), and gestures
Whether for risk assessment, fraud detection, or marketing segmentation, our SDKs collect only privacy-consented, anonymous, and depersonalised digital footprints without any file or Personally Identifiable Information (P.I.I.) ever leaving your mobile app or website
Device info
Metadata related to hardware, Operating System version, phone settings, SIM card settings, and similar
Apps
Metadata related to the number of apps installed, break-down by category, latest apps installed, list of tracked apps, etc.
Calendar events
Metadata related to events created with specific characteristics such as organised, confirmed, number of attendees, etc.
Contacts
Metadata related to the address book along with specific characteristics including the presence of special tone, favorites, etc.
SMS
Metadata related to SMS sent or received, total inbox and outbox, from known numbers (without reading actual messages)
External storage
Metadata related to the media created or downloaded by the user including music, videos, images, selfies, and similar
Keystroke patterns
Metadata related to the typing speed and cadence, latency, dwell time, number of times a field is deleted and typed again (including the income field), copy/paste actions, etc.
UI Interactions
Metadata related to the time spent to apply or fill in the registration form, hesitation to click "submit", number of re-entries, usage of "Tab" key vs. mouse or finger, etc.
Gestures
Metadata related to the way the mouse/finger is used, scrolling speed, number of down/up scroll, erratic or nervous movement, number of times the pointer leaves the browser session, etc.
Device info
Metadata related to hardware, Operating System version, phone settings, etc.
Audio
Metadata related to the number of audio files stored, last ones played, last added, and info about podcasts, etc.
Media
Metadata related to media created or downloaded by the user including videos, images, selfies and similar
Calendar info
Metadata related to events with specific characteristics such as organised, confirmed, number of attendees, etc.
Reminders
Metadata related to reminders created with specific characteristics such as number of attendees, etc.
Contacts
Metadata related to the address book along with specific characteristics including special tones, favorites, etc.
Keystroke patterns
Metadata related to the typing speed and cadence, latency, dwell time, number of times a field is deleted and typed again (including the income field), copy/paste actions, etc.
UI Interactions
Metadata related to the time spent to apply or fill in the registration form, hesitation to click "submit", number of re-entries, usage of "Tab" key vs. mouse or finger, etc.
Gestures
Metadata related to the way the mouse/finger is used, scrolling speed, number of down/up scroll, erratic or nervous movement, number of times the pointer leaves the browser session, etc.
Keystroke patterns
Metadata related to the typing speed and cadence, latency, dwell time, number of times a field is deleted and typed again (including the income field), copy/paste actions, etc.
UI Interactions
Metadata related to the time spent to apply or fill in the registration form, hesitation to click "submit", number of re-entries, usage of "Tab" key vs. mouse or finger, etc.
Gestures
Metadata related to the way the mouse/finger is used, scrolling speed, number of down/up scroll, erratic or nervous movement, number of times the pointer leaves the browser session, etc.
Only 1st party data
We are an embedded technology provider and process only the data we know works via our proprietary mobile and Web SDKs. We do not buy data from anyone.
With privacy consent
We only process metadata after we have received the opt-in privacy consent of the user. Without this, our tech does not work.
With permissions
We only process metadata after we have received the permission of the user to do so. Without this, our tech does not work.
Credolab does not collect any personal data
We can deliver our risk, fraud and marketing scores and insights without knowing the customer's name, address, or email. No personal data is ever collected or processed by credolab or shared by our clients with us.
Credolab does not collect any sensitive data
We can assess the probability of a borrower to repay, flag possible fraud, and enrich your marketing segments without having to know the customer personal data.
Credolab does not require customers to login into their social media accounts
We can deliver our risk, fraud and marketing insights without the need to look up their social media activity or tracking what they do in other apps.
Deep insights based on mobile device and web behavioural metadata
Risk Scoring
Greater predictive power, 100% hit-rate, lower cost of risk, higher approval rate
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Fraud Detection
Top of the funnel, real-time device velocity checks, predictive anti-fraud scores
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Marketing Segmentation
Granular and fresh behavioural insights for a deeper understanding of all your users
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Credolab is the right choice for your business
Once embedded in your digital channels, it delivers value across the entire organisation. It also works as a standalone or on-top of existing solutions, including open banking and credit bureaus.