# Credolab

> Credolab is a B2B fintech company that turns consented, anonymized device and behavioral metadata into real-time risk, fraud and marketing signals. Its SDKs and API sit near the start of a lender's digital application flow, giving banks, fintechs and retailers a second opinion on applicants whose conventional credit files are thin, missing or misleading.

- **Founded:** 2016
- **Headquarters:** Singapore
- **Founders:** Peter Barcak (Founder & CEO), Michele Tucci (Co-founder & Chief Strategy Officer)
- **Team size:** Approximately 35 employees, based on the supplied company record.
- **Products:** Mobile SDK, Web SDK, Fraud Intelligence Suite, Marketing Intelligence Suite, Income Prediction Model
- **Notable:** Named a World Economic Forum Technology Pioneer in 2020., Won a regional fintech award at the 2019 Singapore FinTech Festival., Achieved profitability in 2023, according to the company's timeline.

## Products & services

- **Mobile SDK** — Android and iOS software that captures consented device and behavioral metadata for risk scoring and insight generation.
- **Web SDK** — A JavaScript library that captures browser metadata and user interaction patterns on web application journeys.
- **Fraud Intelligence Suite** — Behavioral and device signals used to detect suspicious sessions, automated attacks, device farms and fraud risk early in onboarding.
- **Marketing Intelligence Suite** — Behavioral insights for segmentation, engagement and campaign optimization across the customer lifecycle.
- **Income Prediction Model** — A machine-learning model that estimates applicant income bands from privacy-consented smartphone metadata when verified income data is unavailable.
- **Credo Lite, Credo One and Credo Score** — Tiered subscriptions covering analytics reports, device and fraud intelligence, APIs, and tailor-made scorecard development and calibration.

## Achievements

- Named a World Economic Forum Technology Pioneer in 2020.
- Won a regional fintech award at the 2019 Singapore FinTech Festival.
- Achieved profitability in 2023, according to the company's timeline.
- Renewed ISO 27001 certification in July 2024.
- Expanded from a Singapore hub to Miami in 2020 and Dubai in 2022.
- Reports use across 50+ countries and more than 1 billion processed datasets on its current website.

## Latest updates

- **2025-11** — Launched an Income Prediction Model that estimates applicant income levels from privacy-consented smartphone metadata.
- **2025-11** — Announced a strategic partnership with ZOLOZ to combine identity verification with behavioral and device intelligence.
- **2025-10** — Co-founder Michele Tucci discussed Credolab's work across payments, risk and emerging markets in an ID Check interview.
- **2024-10** — HES FinTech announced an integration partnership with Credolab for lending automation.
- **2024-07** — Published its 2024 ISO 27001 certification update.

## Links

- Website: https://www.credolab.com/
- LinkedIn: https://www.linkedin.com/company/credolab/
- Twitter/X: https://twitter.com/CredoLab
- Facebook: https://www.facebook.com/credolab/

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Profile page: https://yespress.io/credolab
Published by YesPress — https://yespress.io
Last updated: 2026-08-17