FinovateAsia 2018 / CredoLab

Presenter Profile:

How they describe themselves: CredoLab is the pay-per-use smartphone-based FinTech solution provider that helps financial institutions make faster, better, more informed and profitable business decisions. Through a simple app, CredoLab’s AI-based proprietary algorithm analyses over 50,000 data points from the smartphone to generate highly predictive scorecards. Headquartered in Singapore, CredoLab has helped over 40 lenders in 12 markets across Southeast Asia, China, Africa, and Latin America issue millions of scores based on over 5 million datasets. Established in 2016, CredoLab is backed by FORUM, Fintonia Group, and Walden International.

How they describe their product/innovation: CredoLab’s proprietary technology, CredoScore, turns customers’ digital footprints into highly predictive scorecards. Through this AI-backed algorithm, financial institutions can improve their business performance by taking more informed decisions. CredoScore builds a complete picture of a customer by using one of the most predictive sources of data: mobile device data. Through a simple app, after having collected the required user’s permissions and privacy consent, the algorithm processes and analyses over 50,000 data points from the smartphone. Working in harmony with the existing risk management processes, and in compliance with local data privacy regulations, CredoScore connects the dots that traditional credit scoring methods can’t.

Product distribution strategy: Direct to Business (B2B), through financial institutions


Sales: Kris Emerton-Jones, Head of Sales – APAC,
Partnerships: Michele Tucci, Chief Product Officer,
Press: Azmeen Ansar, Marketing Manager,

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