Warsaw (OTE) – Biuro Informacji Kredytowej (BIK), Credit Information
Bureau, the
leading organization in Poland for credit data exchange and anti-
fraud systems, has formed a strategic alliance with Fair Score
Africa. Fair Score Africa is an Award Winning pioneer in credit
repair and re-integration, alternative credit scoring and in tackling
financial exclusion, based in South Africa. This collaboration aims
to implement the Polish-developed BIK Behavioural Verification
Platform in seven key African markets, with the goal of reducing
financial fraud. Amidst the rapid digitalization of financial
services across Africa, an increase in fraudulent activities is
threatening transaction security and emerging as a significant
challenge to the stability of developing economies.
In today’s digital economy, trust has emerged as the most
valuable asset, surpassing money as the key currency. The
collaboration between BIK and Fair Score Africa unites a robust, well
-established security infrastructure developed in Poland with the
dynamic growth of African markets, where mobile payments and digital
banking are rapidly becoming central to everyday financial
transactions. This partnership is focused on the deployment of BIK’s
proprietary Behavioural Verification Platform in seven leading
African countries: South Africa, Kenya, Nigeria, Botswana, Ghana,
Namibia and Zambia.
The collaborative initiative directly addresses the rapidly
expanding issue of financial fraud in Africa’s fast-growing markets,
which are home to a population exceeding 427 million. According to
the Interpol report Africa Cyberthreat Assessment, published in June
2025, cybercrime now constitutes more than 30% of reported fraud
cases in both West and East Africa. Between 2019 and 2025, the
continent has suffered financial losses exceeding USD 3 billion as a
result of identified cyber incidents.
Security measures relying solely on passwords, one-time SMS
codes, and other traditional identity verification methods are no
longer sufficient and fail to provide effective protection against
increasingly sophisticated threats.
The BIK Behavioural Verification Platform (BVP) is an innovative
response to the escalating challenge of digital fraud within the
financial sector. Designed to proactively safeguard both individuals
and institutions, the BVP leverages advanced behavioural analytics to
identify each user’s unique patterns of interaction. By monitoring
how customers engage with their devices during online and mobile
banking sessions, the platform operates in real time to detect
anomalies that may indicate fraudulent activity. This enables the
prevention of unauthorized transactions and the submission of credit
applications without customer consent, ensuring enhanced protection
for all parties involved.
Using state-of-the-art Machine Learning algorithms, the platform
continually updates each user’s behavioural profile, adapting
dynamically to emerging threats. All data is processed in a context-
free manner, strictly adhering to international privacy standards.
The BIK Behavioural Verification Platform delivers robust security
for end users and supports financial institutions in significantly
reducing fraud-related losses across the entire ecosystem.
The BIK solution streamlines institutional anti-fraud operations
while maintaining a seamless customer experience. Developed and
proven in the Polish financial market, the BIK Behavioural
Verification Platform is now emerging as a new standard for digital
protection, combining effectiveness, user convenience, and resilience
against modern cyber threats. Its adaptable nature enables deployment
across international markets, setting a benchmark for security and
operational excellence globally.
“Our collaboration with BIK directly responds to a pressing need
across the African market, where we are witnessing a swift rise in
financial crime, especially through mobile platforms. BIK’s
behavioural verification technology offers a crucial enhancement to
our security landscape-improving fraud detection without compromising
the user experience. We believe this forms the basis for secure and
sustainable growth across the region” – says Dr. Danny Zandamela, CEO
of Fair Score Africa, and adds:
“We position the partnership with BIK as a long – term
commitment, the outcome of which is the ability to provide local
financial institutions with a critical technology that protects
against the evolving threat landscape across the African continent.
In future, it may serve as an authentication layer for national
citizen – identification systems through integration with, for
example, the Ghana Card or Nigeria’s NIN, which are the respective
equivalents of the Polish national identity card” – adds Dr.
Zandamela.
“At BIK, we are proud to be building one of the world’s most
advanced anti-fraud ecosystems, renowned for its exceptional scope
and technological sophistication. By expanding this digital shield to
our partners’ markets in Africa, we are not simply sharing technology
– we are exporting trust and confidence in the financial sector. By
analyzing each customer’s distinctive behavioural patterns, our
technology can safeguard their finances even in situations where
login credentials have been compromised by cybercriminals. We are
demonstrating that cutting-edge technology developed in Poland is
fully scalable and ready to protect financial sector clients across
continents” – says Mariusz Cholewa, PhD, CEO of BIK, President of
ACCIS.
BIK – the only Credit Information Bureau in Poland, member of
ACCIS, associating the largest group of credit registers in the
world. BIK supports the security of financial institutions and their
clients by providing a safe system for exchanging credit and economic
information and innovative anti-fraud solutions. The sectoral
solutions in BIK portfolio are: BIK Anti-Fraud Platform, Cyber Fraud
Detection Platform, Behavioural Verification Platform, ESG BIK
Platform. BIK collects and provides data on the credit history of
individual customers and entrepreneurs from the entire credit market,
as well as data from the area of non-bank loans. BIK possesses the
highest competencies in market analysis and modern technologies. It
combines the features of a modern technology company with the
attributes of a public trust institution.
Fair Score Africa – the company is an innovative FinTech in
credit repair, credit re-integration, alternative credit scoring and
financial inclusion, developing mobile- and behavioural-data-driven
risk assessment tools that enable the secure scaling of financial
services across African markets. Fair Score’s Score Improvement
Program is able to improve the credit risk profile of individual
consumers through targeted interventions that improve the behaviour
of consumers in the credit economy, making them more responsible
participants of that arena. In this way, lenders are also able to
engage these consumers through a redefined credit risk outlook in
their assessments. The Score Improvement Program has recently been
awarded as being the Best Credit Assessment Initiative – Africa for
2026 by The Digital Banker in Singapore.
Digital press kit: http://www.ots.at/pressemappe/DE182488/aom
