credolab

credolab Empowers Risk Management, Fraud Prevention and Marketing teams with modern Data & Analytics solutions

CredoLab (www.credolab.com) provides revolutionary smartphone-based credit scoring solutions for consumer lenders, using state-of-the-art digital technology to enable financial inclusion. By using CredoLab, consumer lenders achieve a significant reduction in credit risk, a radical drop in time required to reach a credit decision, and the opening up of new client segments. Headquartered in Singapor

e, CredoLab is targeting the global market of 2 billion unbanked adults, and currently operates across Southeast Asia and China. CredoLab is achieving strong client traction, having secured over 2 mln annualized run-rate of downloads within the first 12 months. CredoLab was seeded and developed by FORUM, the largest fintech venture builder in Emerging Asia.

04/05/2026

Improve credit decisions. Reach more creditworthy applicants. Across all of Nepal.

Credolab is pleased to announce our partnership with Chips And AI Pvt. Ltd.

Together, we offer lenders a locally delivered, globally proven behavioural risk score to enhance their existing credit scoring stack.

Falcon Chips and AI brings:
🔹 Local expertise and integration support
🔹 A deep understanding of Nepal's lending landscape

Credolab brings:
🔹 Real-time behavioural and device intelligence scores
🔹 Derived from anonymised, privacy-consented behavioural and device metadata (zero-PII)

The outcome?
Lenders can now assess applicants they might otherwise decline more accurately by adding a layer of behavioural intelligence to their existing credit risk models and frameworks.

12/03/2026

In 2016, "alternative data" was an experiment.
In 2026, it is the industry standard for inclusive finance.

Over the last decade, we did not just watch the industry change.
We helped engineer the shift from rigid financial history to dynamic behavioural intelligence.

In short?
We adapted. We influenced.

➡️ Swipe through the deck for the 10-year impact numbers.

The question lenders ask has fundamentally changed.
We used to ask "What is your history?"
Now, we ask "What is your potential?"

To help close this risk void, our technology has:
🔹 Analysed 1+ billion data points
🔹 Scored 200+ million people globally
🔹 Supported 325+ clients across 50+ countries

And the most important number is 0.
That is the exact amount of Personal Identifiable Information (PII) we process to deliver these insights.

As we look to the next decade, the focus shifts from digital applications to "Invisible Banking."

Our Founder and CEO, Peter Barcak, and Co-Founder and CSO, Michele Tucci, share their 2026 vision on how automation and behavioural data will continue to make credit available to all.

The future of risk is behavioural.
And the future is already here.

📉 Financial exclusion is not just a credit history problem. It is a trust problem.Millions remain credit-invisible.Not b...
17/02/2026

📉 Financial exclusion is not just a credit history problem.
It is a trust problem.

Millions remain credit-invisible.
Not because they are inactive, but because the trust stack still assumes reliable infrastructure, formal IDs, and traditional credit history.

That creates two frictions:
1. Onboarding friction for consumers
2. Risk friction for lenders

To expand responsible access, lenders need to rethink what “creditworthiness” can include.

The shift the industry needs:
Credit visibility is becoming as important as credit history.

So is the need to redefine trust.

People already generate consent-based signals through smartphone behaviour and transaction activity. Their financial lives are already digital.

The opportunity is to translate that visibility into responsible underwriting, with hybrid bank–fintech approaches that reduce onboarding friction and expand access without guesswork.

Read the full article: https://hubs.la/Q04354s_0

Special thanks to The European Financial Review for the feature!

🛑 In modern risk management, stop looking for reasons to say "No". Find safe ways to say "Yes".For decades, credit risk ...
11/02/2026

🛑 In modern risk management, stop looking for reasons to say "No".
Find safe ways to say "Yes".

For decades, credit risk used to be about exclusion.
Now, you can use it for growth.
It is a process of strategic enablement.

Leading banks are now adopting a hybrid approach.
They are combining traditional data with behavioural insights to broaden their reach without compromising stability.

Here is what works for the modern lender:
🔹 Dynamic Risk-Based Pricing: Match interest rates and LTV ratios to the borrower's actual profile using AI-driven scoring.

🔹 Real-Time Monitoring: Do not wait for a periodic review. Switch to Early Warning Systems (EWS) and catch deterioration before it even happens.

🔹 Inclusive Growth: Safely approve "thin-file" applicants by analysing behavioural signals when bureau data is insufficient.

Read the full blog: https://hubs.la/Q042Bpkm0

⏳A credit score often fails to predict what a borrower will do tomorrow.Credit files are static. People are dynamicTradi...
03/02/2026

⏳A credit score often fails to predict what a borrower will do tomorrow.

Credit files are static. People are dynamic

Traditional credit reports show you history.
They cannot show you current intent.

This linear method is no longer sufficient for a digital economy.

Modern risk frameworks must look beyond the "what" (repayment history) to understand the "how" (behavioural stability).

By integrating sources like mobile device metadata and cash-flow signals, lenders gain a real-time, high-definition view of risk.

Why this changes the equation for Risk Leaders:
🔹 Predictive Accuracy
🔹 Instant Decisions
🔹 Fraud Detection

We understand that data must be defensible.
That is why Credolab’s approach is privacy-first.

It is time to judge borrowers on their potential, not just their past.

Read the full guide: https://hubs.la/Q041c5Yr0

🛑 Payment history. Utilisation. Length of history. Credit mix. New credit.For decades, these five pillars have defined a...
27/01/2026

🛑 Payment history. Utilisation. Length of history. Credit mix. New credit.

For decades, these five pillars have defined a borrower's worth.

However, relying strictly on these inputs creates a "data ceiling."

While these metrics accurately record past actions, they are lagging indicators. They fail to capture current stability or future intent.

If your model only measures history, it misses potential.

The Evolution: Beyond the Standard Scorecard
This guide breaks down where traditional models fall short and how the risk equation is changing.

Credolab helps lenders evolve beyond these fixed inputs. We layer behavioural metadata over traditional data to find signal where others see noise.

Why this changes the equation for Risk Leaders:
🔹 Predictive Lift: AI identifies complex, non-linear patterns that traditional linear scorecards miss.
🔹 True Inclusivity: Move beyond solely traditional inputs to score applicants based on real-time digital behaviour.
🔹 Granular Precision: Assess risk based on willingness to pay, not just an empty credit file.

Predictive power must be defensible. That is why modern alternative scoring is built on transparency and explainability.

Read the full analysis: https://hubs.la/Q03_QRLG0

📉 A static credit file cannot capture the dynamic reality of a modern borrower.Lenders are under pressure to grow approv...
20/01/2026

📉 A static credit file cannot capture the dynamic reality of a modern borrower.

Lenders are under pressure to grow approval rates while risk becomes harder to identify in volatile economic conditions.

Traditional bureau data was built to reflect past financial behaviour.
In a digital-first economy, a bureau-only approach leaves material blind spots.

Millions of credit-invisible individuals remain excluded, despite possessing strong repayment intent, simply because they lack the paperwork to prove it.

Retrospective data alone is no longer sufficient for sustainable growth.

This is where alternative credit scoring becomes essential.

By incorporating behavioural and device-level signals alongside traditional inputs, lenders can form a more complete, near-real-time understanding of creditworthiness, even when formal credit history is limited or absent.

Why this changes the equation for Risk Leaders:
🔹 Scalability
🔹 Privacy-by-Design
🔹 Predictive Agility

Concerns around black-box decisioning remain valid for many risk leaders. That is why alternative credit scoring must be transparent, explainable, and auditable by design.

It is time to evolve credit decisioning beyond static history.

Approve more. Risk less.

Read the full blog: https://hubs.la/Q03_fRV10

🔟 A Decade of CredolabDid you know that the vast majority of startups never make it past the 10-year mark?Today, we are ...
19/01/2026

🔟 A Decade of Credolab

Did you know that the vast majority of startups never make it past the 10-year mark?

Today, we are proud to stand firmly in the 30% that do.

As of 18 Jan 2026, Credolab officially celebrates their 10-year anniversary!

To mark this milestone, we gathered our team, spanning 6 continents, for a global town hall meeting.
It was a moment to reflect not just on "surviving," but on thriving and to focus on: what's next?

We are happy to share some of the most defining achievements over the last decade:

🚀 Scale
Expanding to a global team and serving some of the world's largest neobanks. This is a testament to the maturity of our technology.

📈 Growth
Securing our Series A in 2020 and maintaining profitability for two consecutive years.

💪 Resilience
Standing strong through global events—with a special recognition of the unwavering strength of our Ukrainian team.

🧸 Fun Fact
We took a poll during the call. Between new babies and adopted pets, our 'extended' Credolab family is growing just like our client base!

After all, neither technology nor companies build themselves.

As our CEO, Peter Barcak, told the team:
“We are the proof that we are a truly global company... the people you see on your screen are the greatest assets the company will ever have”.

Here is to the next decade of innovation.

Happy 10 years, Team Credolab! 🎂

Peter Barcak | Michele Tucci | Par Svalas | Dmytro Kurov | Pavel Herber | Ilya Gartsev | Nerisse Barcelon | Ostap Liadryk | Alexandra Moss | Andrii Rudnytskyi | Alejandra Vela | Dmytro Noskov | Jaime Buendia | Kateryna Potrebenko | Olha Husak | Oleksandr Martynenko | Ruslan Savchuk | Say Khoon Lim | Stefano Maggiolo | Victor Potrebenko | Vlad Smirnov | Armando Grande | Oleksii Popov | Daria Fonina | Ivan Tsekot | Maksym Korolchuk | Olivier Sarrailh

💡 Most lenders do not have an applicant problem. They have a scoring problem.Traditional models are rigid. They rely on ...
15/01/2026

💡 Most lenders do not have an applicant problem.
They have a scoring problem.

Traditional models are rigid. They rely on static historical files, rather than dynamic behaviour you can measure.

How can risk teams expand market reach when standard models are blind to the "invisible" prime borrower?

Solely relying on traditional linear methods is no longer sufficient to serve the modern, digital-first economy.

In 2026, the competitive edge belongs to those who can see and assess the invisible.

We see a shift toward AI-driven behavioural scoring.
While traditional models rely only on limited history, AI unlocks complex, non-linear patterns hidden across thousands of data points.

It creates more dynamic, personalised, and inclusive scoring than traditional systems.

Why this changes the equation for Risk Leaders:
🔹 Scalable: Deployed via lightweight SDKs for real-time assessment.
🔹 Secure: Built on privacy-by-design metadata, ensuring no PII is ever accessed.
🔹 Inclusive: accurately scores the "thin-file" population that traditional bureaus exclude.

But predictive power must also be defensible.

By leveraging Explainable AI (XAI), lenders can finally solve the "Black Box" challenge. They can achieve high-precision risk detection that remains transparent, ethical, and regulatory-ready.

It is time to move from rejection by default to scoring with intelligent precision.

Read the full framework: https://hubs.la/Q03-Jn6d0

📘 Our Guide to Risk Scores is now live!You asked for the "how". We built the blueprint.Our new comprehensive guide moves...
13/01/2026

📘 Our Guide to Risk Scores is now live!

You asked for the "how".
We built the blueprint.

Our new comprehensive guide moves beyond the "black box", detailing exactly how behavioural metadata predicts default risk without compromising privacy.

Here’s what you’ll find:
✔️ Traditional vs Alternative Data methodologies
✔️ The mechanics of privacy-first, non-PII scoring
✔️ Real-world impact on Gini and approval rates

Your one-stop resource guide to building a dynamic, intelligence-led risk decision engine.

👉 Read the Risk Scoring Guide now: https://hubs.la/Q03-pJB-0

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