Credolab

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Device-level behavioural intelligence captured at the moment of a loan application: what is on the applicant's handset at install time (app inventory, app categories, apparent income and spending apps, device make/model/age, device integrity and tamper signals, emulators and test devices, multi-application clustering), plus acquisition-channel attribution and the KYC/onboarding events around it. Credolab layers this on top of bureau data at the decision point and then observes the disbursal and servicing outcome. The key artefact is a benchmark against an African digital bank's own scoring model — a matched sample of applicant device signals tied to realised default outcomes on the same population and window.