Credolab joins FICO Marketplace for behavioural credit

Credolab has joined the FICO Marketplace as an official partner, giving FICO Platform clients access to its behavioural credit and fraud tools.

The partnership places Credolab in the marketplace's Data & Intelligence and Fraud & Threat Intelligence categories. FICO Platform clients can integrate its services into workflow orchestration, model building and strategy design.

Credolab provides behavioural risk scoring, fraud detection and alternative credit intelligence based on device and behavioural metadata rather than conventional credit bureau records. Its products are designed to help lenders assess applicants with limited or no presence in traditional credit files.

The arrangement extends Credolab's reach to financial institutions using FICO's decisioning technology in more than 80 countries. FICO says its score is used by 90% of top US lenders, giving the marketplace a large installed base among banks and other credit providers.

Alternative data

Alternative data has often been used in specialist lending segments, especially in markets with limited bureau coverage or among consumers with thin credit files. This agreement suggests that such data is moving closer to mainstream underwriting systems at lenders that already rely on FICO's platform.

FICO Marketplace is a catalogue of third-party models, data services and analytics products that can be tested and deployed within the platform. It allows customers to add external data and decision tools without building separate integrations for each provider.

Credolab says its technology can add behavioural features to model development, provide real-time signals for strategy design and help identify bots, device farms and synthetic identities early in the customer onboarding process. It positions its tools as an added layer alongside bureau data, existing risk models and fraud systems rather than a replacement.

Its data models draw on nearly 80,000 behavioural data points across Android, iOS and web environments. The platform is built on more than 770 million datasets globally and has produced more than 195 million insights for clients.

Credit access

One of the central issues in consumer lending is how to assess applicants who cannot be scored well using bureau data alone. Lenders have long faced a trade-off between widening approval rates and controlling default risk, particularly in emerging markets and in digital lending, where new-to-credit customers are common.

By bringing behavioural signals into a system already used for credit decisioning, the partnership is intended to make those applicants easier to evaluate within existing lender workflows. Credolab says this can support broader credit access, better distinguish lower-risk from higher-risk borrowers, and reduce delinquency and default rates through more precise underwriting.

"Joining the FICO Marketplace is a significant milestone for Credolab. Behavioural risk intelligence is quickly becoming its own category in credit decisioning, distinct from fraud detection, complementary to traditional and transaction scores, and we've built our entire platform around it. FICO's global reach and platform depth give this signal the scale it deserves, helping lenders finally see the applicants that traditional data alone would miss," said Michele Tucci, Co-Founder and Chief Strategy Officer at Credolab.

FICO framed the agreement as a way to address gaps in bureau-based credit assessment, particularly in markets where alternative data is already an important part of lending decisions.

"Credolab addresses one of the most persistent challenges in credit risk - the inability to make confident decisions on applicants who simply don't appear in bureau data. By bringing Credolab's behavioural intelligence into FICO Marketplace, we're giving our clients a proven, privacy-safe capability to extend credit access responsibly, reduce defaults, and compete in markets where alternative data isn't a nice-to-have - it's essential," said Jason Andrew, Chief Revenue Officer at FICO.

Credolab was founded in 2016 and operates from Singapore and Miami. It says it serves nearly 200 clients, including neobanks, credit bureaus, buy now pay later providers and identity verification companies, across the United States, Latin America, Southeast Asia and EMEA.