BIK Scoring

Learn about our scoring models.

We develop scoring models that assess credit risk and fraud risk built on datasets of Credit Information Bureau.


Individual customer credit risk assessment models on offer:

The model is built on the customer's credit history in the banking sector. The model predicts the probability of a customer's credit accounts being in default for more than 90 days in the next 12 months.

The model is built on socio-demographic data from customer credit applications. The model predicts the probability of a customer's credit accounts being in default for more than 90 days in the next 12 months.

The model is built on the customer's credit history in the banking and credit sector. The model predicts the probability of a customer's over-indebtedness.

The model is built on the customer's loan history in the credit sector. The model predicts the probability of a customer's loans accounts being in default for more than 30 days in the next 6 months.

Individual customer fraud risk assessment model:

The models are built on data from the BIK Anti-Fraud Platform, as well as credit and loan account history. The models predict the probability that a credit or loan application is fraudulent.

Model for assessing the credit risk of an institutional customer:

The model is built on the micro-entrepreneurs's credit history in the banking, credit and leasing sector. The model predicts the probability of a customer's accounts being in default for more than 90 days in the next 12 months.

If you want to know more details about our offer - feel free to contact us.


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