CredoLab Pte Ltd

CredoLab’s credit scoring platform generates customised digital scores built on over 8 million loan applicants across 49+ lending partners.


Artificial Intelligence

Financial Services

Data and Analytics



About Company

CredoLab develops bank-grade digital scorecards for banks, consumer finance companies, auto lenders, online and mobile lenders, insurance companies, and retailers from the best alternative data source - smartphone device metadata. Built on over 8 million loan applicants across 50+ lending partners, our AI-based algorithm crunches nearly 500 thousand features from opt-in smartphone metadata to find the most predictive behavioural patterns before converting them into credit scores. These enable any lender to make the most granular assessments possible of their applicants. With an aggregate of 16 million application downloads, our clients have seen 20X higher new to bank customer approvals, a 15% reduction in non-performing loans, and a 22% dip in fraud rate. Established in Singapore in 2016, Credolab has powered over USD 1 Billion in loans issued after analyzing about 1 trillion data points across 15 countries. We are backed by Fintonia Group, FORUM, and Walden International.

Founder’s Story

CredoLab: How we drive better credit decisions Bank-grade Digital Scorecards Based on Mobile Device Data Credit Scoring solution for the unbanked and underbanked around the world #Fintech for #FInancialinclusion

Products & Services


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Peter Barcak

Co-founder & CEO

Michele Tucci

Chief Product Officer

Tarun Kumar Kalra

Head of Global Sales

Pavel Herber

Customer Success Director

Press Contact

Azmeen Ansar