BIK’s mission is to support trust and security of participants of business transactions in Poland

BIK API is a solution allowing to exchange up-to-date data on the credit market in real time. It is addressed to all entities participating in the exchange of credit information on consumers, that is over 700 financial institutions (banks, credit and saving unions, loan companies) which provide and obtain information from BIK.

BIK API service enables the transfer to BIK in real time of basic data on a customer's new obligation immediately after granting financing to a given borrower. The participants of the exchange system may receive, as part of BIK API, a report on newly opened accounts updated in the BIK database using the online solution.
BIK API it is the original BIK solution, designed on the basis of internal competences and knowledge of BIK experts, taking advantage of innovative technology and a unique business model.
It uses modern architecture and innovative technologies making it possible to immediately share and exchange the most up-to-date information on financial obligations. One of the distinctive features of this solution is its scalability, which makes it possible to effectively process large volumes of data, up to hundreds of millions of data items per week.
The solution is characterised by a modern microservice architecture, providing appropriate solutions in terms of scalability, capacity, performance and reliability of the system.
BIK API has been implemented in a SCRUM-based agile approach, using modern technologies and software development techniques, including: JSON, Swagger API, Kafka, MongoDB, Oracle, Java, Spring Boot, Spring Sleuth i Zipkin, Groovy, Docker Compose, ElasticSearch Logstash Kibana and others.

• BIK Blockchain Platform

  is a comprehensive technological solution, based on Billion’s software, used to publish, store and read out public and private documents, their summaries and the entire content of the document in a distributed network (Distributed Ledger Technology – DLT). This solution guarantees all parties with the integrity and inalterability of documents, as well as with uninterrupted access to them, even after the relationship between the parties has ended. Not only does the BIK Blockchain Platform meet the requirements of a durable information medium, it is also compliant with the GDPR with regard to data privacy and identity protection and allows to exercise the right to be forgotten (confidentiality). The architecture flexibility allows the BIK Blockchain Platform to be used outside the financial sector by institutions such as telecommunication, insurance, energy or e-commerce companies.

Anti-fraud Solutions

• BIK Anti-Fraud Platform (AFP)

  The BIK Anti-Fraud Platform operates in the financial sector as an effective tool for counteracting credit fraud. It systematically supports the credit processes of the participating institutions and their customers. The Platform’s comprehensive algorithms, linked to Poland’s largest database, including nearly 8.2 million complete credit applications, search for risky ties and generate reports and warnings for the Platform participants in real time, which significantly influences the effectiveness and detectability of cases of fraud in the customers’ credit processes. The Platform’s technological basis is the “Hunter” system owned by our partner - Experian – a global leader in IT, analytical and data management services.

• Cyber Fraud Detection Platform (CFD)

  The CFD Platform is dedicated to both banks and other financial sector institutions and loan and factoring companies. It supports detection of cases of fraud occurring in online channels, analyzes anomalies related to the customer’s device, correlates them with behavioral activity, for instance, based on recording the history of device use or changes in the device profile – device fingerprint. A unique feature of the CFD is the possibility of sharing negative data marked by BIK service participants. The CFD is easily integrated into the BIK Anti-Fraud Platform, creating a unique solution for anti-fraud protection which combines data from digital channels with data from the credit process.

BIK Retail Offer

BIK is the only available information source of that size in Poland. It is a database, which systematically receives reports from almost 750 institutions, all commercial and cooperative banks, credit and saving unions and the largest loan companies. Almost 100% of data originating from financial institutions are obtained by BIK automatically: information from banks flows in twice a week and is processed on the same day. Inquiries made by banks are generated online by BIK every 1.5 seconds. This operational efficiency also translates into individual customer service.
As of today, over a million Poles actively use the online services of BIK. They most often make use of the interactive report with a detailed credit history, in order to assess their current BIK scoring and BIK Alerts, which warn against potential fraud.
Everyone who has an account at bik.pl can benefit from the free online service involving immediate cancellation of ID cards.
BIK makes its services available through the My BIK mobile application and the website www.bik.pl. This comprehensive information is useful for all Poles and facilitates control over one’s finances and safeguards against the risk of fraud.

• BIK Report – important information in a simple graphic form
  • according to 53% of customers it ranks among the most useful BIK solutions,
  • is the best way to monitor the state of current liabilities,
  • includes credit data: on whether the installments are paid in a timely fashion, the number and amount of credits and the outstanding amount,
  • includes information from BIG InfoMonitor Register of Debtors, e.g. unpaid phone subscription, electricity invoices or unpaid rent,
  • presents and clarifies elements of the obtained BIK scoring determining the level of current creditworthiness.

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• BIK Credit Analyzer – calculates the chances of obtaining a credit
  • the only instrument on the market that takes actual credit history (current BIK Report) into consideration,
  • warns against remortgage,
  • allows multiple calculations on whether we can afford a given credit,
  • incorporates data which banks also take into consideration when assessing a credit application.

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• BIK Alerts - a tool warning against fraud:
  • according to 82% of the respondents, BIK Alerts build a sense of security,
  • BIK warnings in form of text messages or e-mails allow fast and effective response to every attempted fraud,
  • the warning is received when an inquiry with the use of our identification data appears in BIK as a standard element of the credit and loan process,
  • A warning in form of a text messages is also sent when there is an attempt to sign an agreement, e.g. with a telecommunication company for a purchase of an expensive phone with a subscription, thanks to data inquiries from BIG InfoMonitor Register of Debtors.

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