The offer of Biuro Informacji Kredytowej is intended for both banks and organisations which are statutorily authorised to grant credits as well as individual clients.

Pursuant to the data submitted by the above-mentioned organisations, various types of BIK reports are generated which are used in the process of assessing the credit worthiness and ability of the banks/Credit Unions clients. Thus, these organisations improve the client service while offering attractive cooperation terms.

A parallel area of activity of Biuro Informacji Kredytowej is the service of individual clients. Specially designed for this group of clients were three types of reports, i.e. STANDARD and PLUS report and PLUS Report with the Score. For more detailed information click here.

Reports
Nearly all the retail banks and Krajowa Spółdzielcza Kasa Oszczędnościowo-Kredytowa [National Credit Union] cooperate with BIK. Also increasing is the number of the credit banks cooperating with BIK.
On the basis of the information provided by the above-mentioned banks, BIK generates various types of reports. All the BIK reports serve the purpose of verification of credit ability and worthiness of both the individual clients and entrepreneurs.

Cross-section analyses
It is an instrument supporting the key strategic decision-making process. The reports are intended for the managements of the organisations cooperating with BIK, and within the organisations to the divisions responsible for the sale of the credit products to individual clients and to the divisions responsible for the credit risk management.
The reports represent the selected features which are characteristic of the Polish credit market. The IT applications enable to present the reliable information about the structure of this market, factors influencing its development and also enable to identify the factors which may have influence the occurrence of irregular credits in this area of activity.

Software
A team of experienced analysts, developers and programmers of BIK S.A. have developed and successfully implemented a number of the software modules. It is possible to have developed the interfaces communicating with the BIK System for the organisations cooperating with BIK, which will satisfy all the criteria imposed on the applications used for similar purposes by the determined data exchange format.
It is also possible to develop a hybrid system taking advantage of the two access channels to the BIK System (CPU-CPU and Web). It is an efficient and efficient, secure and economic solution. Further, it is also possible to carry out the programming work related to the BIK System environment.