AI ToolFrom $0.3/score
CredoLab
Singapore-built alternative credit scoring AI using mobile device data for thin-file SEA borrowers
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⭐ 4.4/5 · 142 reviews
via G2, Capterra or Trustpilot
About CredoLab
CredoLab is a Singapore-headquartered alternative credit scoring AI that builds creditworthiness scores from smartphone metadata (app inventory, usage patterns, device behavior) for SEA banks, BNPL providers, and digital lenders serving thin-file and unbanked borrowers across Indonesia, Vietnam, the Philippines, and other emerging markets.
Key Features
✓ Smartphone metadata-based credit scoring with no PII collection
✓ Built-in compliance with GDPR and SEA data protection regulations
✓ Sub-5-second score generation at point of loan application
✓ Default prediction validated across 60+ million scored applications
✓ Behavioral risk segmentation beyond binary approve/decline
✓ API and mobile SDK for native lender integration
Best For
Indonesian and Filipino BNPL providers underwriting thin-file consumersVietnamese digital lenders extending credit beyond bureau-scored customersMicrofinance and consumer finance institutions in SEA frontier marketsBanks expanding into segments where traditional bureau coverage is sparse
Pricing
Modeltransaction
Free tier✗ No
Starts at$0.3/score
Details
CategoryAI Assistant
LanguagesEN, ID, TH
Updated2026-05-06