Fighting fraud together

CredoLab and TransUnion, formerly iovation, have joined forces bringing a single solution that uses a global device intelligence network, including smartphone device metadata. This technology generates bank-grade digital scorecards and prevents fraud attempts by evaluating associated accounts and devices, past history and suspicious behaviors in real-time.

Why Should This Excite You?

Expansion to New Market Segments

Improve access to new market segments by approving new-to-credit and new-to-bank customers confidently

Lower Cost of Risk

Increase the accuracy of your credit decisions with AI and smartphone metadata to get higher approval rates at lower cost of risk.

Faster Decision

Shorten the time-to-yes from days to less than 1 minute with creditworthiness done in real-time.

Improved Fraud Reduction

Analyse >45 types of fraud through tailor-made fraud prevention strategies designed for you

Complete Data Privacy

Shorten the time-to-yes from days to less than 1 minute with creditworthiness done in real-time.

Highly Accurate Credit Decisions

Leverage over 1 million behavioural features to arrive at the most predictable data points to score your customers

Discovering modern credit risk scoring in buy now, pay later

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This rule triggers when a device has been confirmed as fraudulent


This rule triggers when the device is on a blacklist


This rule triggers when an application originates from a location marked as risky


This rule triggers when inconsistencies are identified on a device


This rule triggers when the same device applies for multiple loans


This rule triggers when a device looks suspiciously like confirmed fraudulent devices


Crunches nearly 1 million behavioural features from opt-in metadata to generate credit scores

Device Risk

Uses device recognition and intelligence technology to track over 45 types of fraud and abuse

How do we fit into your business model?

Arrange a meeting with us to discuss