Credolab × Begini — Combined Behavioral Scoring (Device Metadata + Psychometrics) for Thin-File Borrowers

Credolab (Singapore; device metadata & behavioral analytics for credit/fraud scoring, ~200 clients in the US, Latin America, **Southeast Asia**, EMEA, GDPR/PDPA-compliant) is partnering with Begini (UK; behavioral analytics with privacy consent + psychometric scoring, opt-in).

Together they let lenders assess customers across channels: digital, branch, agent, shared devices, and link-based lending — covering customers who cannot be scored from a single alternative data source alone.

Both scores can be used independently within a lender's credit policy.

- **Why it matters:** The alternative-data cr…