BIK provides information on the following types of debts:
BIK database is an obvious choice when designing the onboarding and customer risk assessment process, particularly for loan companies or BNPL (buy now, pay later). Many companies however choose to use other credit information providers (most often ERiF, CRiF or KRD) due to the cost of a single report from BIK. There is no doubt that BIK contains some of the most valuable information on consumers and companies available on the market due to its access to banking information, but the unit price often deems this data source uneconomical (the price of a single report depends on volumes and individual negotiations with BIK, but these costs are often a significant part of the margin of a loan product).
It is also possible to orchestrate the connection with BIK through Transactionlink and query this database only for high risk customers, or as a last resort of information after querying other data sources.
The data that can be found in BIK is provided by loan companies, leasing and factoring companies, banks and SKOKs (state banks). BIG (Economic Information Bureaus) additionally contains data on entities and consumers obtained from other industries, such as:
In addition, the reports prepared by BIG can include information from public databases such as PESEL, REGON, CEiDG, KRS, as well as from the Public Liability Register, the Central Register of Restructuring and Bankruptcy and other business information bureaux.
Despite its suggestive name, BIG InfoMonitor contains information on both consumers and business activities.