Company Performance Metrics
James DeCicco: CEO
KooLoo CLARITI helps financial institutions uncover borrower behaviors that traditional credit models often miss.
Powered by the proprietary CLARITI framework, KooLoo delivers behavioral intelligence designed to support stronger underwriting, deeper member insight, and more confident lending decisions.
Unlike conventional data-driven platforms,
KooLoo evaluates behavioral patterns such as preparedness, consistency, financial awareness, decision-making, and follow-through—without requiring social security numbers, bank credentials, bureau pulls, or card access.
Designed for credit unions, community banks, and forward-thinking lenders, KooLoo helps institutions see beyond historical scores and into the human behaviors that shape real-world financial outcomes.
See what traditional credit metrics miss.