BIK Launches Behavioral Verification Technology to Combat Digital Fraud in Africa
Warsaw, Poland — May 5, 2026 — Credit information agency Biuro Informacji Kredytowej (BIK), a leader in credit data exchange and fraud prevention in Poland, has announced a strategic partnership with Fair Score Africa. Headquartered in South Africa, Fair Score Africa is renowned for its innovative approach to credit repair, alternative credit scoring, and financial inclusion initiatives. Together, they are set to introduce BIK’s behavioral verification platform to seven key African markets, aiming to tackle the rising tide of financial fraud as digital services proliferate across the continent.
Addressing Trust in the Digital Economy
In today’s digital landscape, trust has transcended conventional currency to become a crucial asset. The collaboration between BIK and Fair Score Africa merges Poland’s robust security infrastructure with the African market’s dynamic growth, where mobile payments and digital banking are becoming indispensable. This partnership will promote the deployment of BIK’s innovative behavioral verification platform across South Africa, Kenya, Nigeria, Botswana, Ghana, Namibia, and Zambia.
Facing a Surge in Cybercrime
The initiative responds directly to the alarming surge in financial fraud in Africa’s rapidly expanding market, which boasts over 427 million people. An Interpol report titled “African Cyber Threat Assessment” released in June 2025 revealed that cybercrime constitutes over 30% of reported fraud cases in both West and East Africa. Between 2019 and 2025, the continent incurred economic losses exceeding USD 3 billion due to various cyber incidents.
Innovative Solutions for Enhanced Protection
Traditional security measures like passwords and one-time SMS codes have proven insufficient against increasingly sophisticated threats. The BIK Behavioral Verification Platform (BVP) provides an innovative solution to the escalating challenge of digital fraud in the financial sector. By employing advanced behavioral analytics, the platform monitors users’ interactions during online and mobile banking sessions to identify anomalies that may indicate fraudulent activities, thereby enhancing protection for both individuals and organizations.
Real-Time Analytics and Privacy Compliance
Leveraging cutting-edge machine learning algorithms, the platform continually updates each user’s behavioral profile, adapting to new threats in real time. Importantly, all data processing is conducted in a context-free manner, strictly adhering to international privacy standards. This innovative platform equips financial institutions with the tools needed to significantly decrease fraud-related losses across the ecosystem.
Setting New Standards in Digital Protection
BIK’s solutions not only streamline anti-fraud operations but also prioritize a seamless customer experience. Proven in the Polish financial market, the behavioral verification platform is emerging as a benchmark in digital security, blending effectiveness with user convenience. Its adaptable nature allows for international deployment, establishing high standards for security and operational excellence globally.
Commitment to Sustainable Growth in Africa
Dr. Danny Zandamela, CEO of Fair Score Africa, emphasized their commitment to meeting the urgent needs of the African market, which is witnessing a rise in financial crimes, particularly through mobile platforms. He stated that the partnership aims to provide local financial institutions with essential technology to counteract evolving threats. Furthermore, he noted the potential for this technology to serve as an authentication layer for national identification systems, akin to the Ghana Card or Nigeria’s NIN.
Dr. Marius Kolewa, CEO of BIK, expressed pride in extending their advanced anti-fraud ecosystem to African markets, stating that this initiative would export trust and confidence to the financial sector. He highlighted the ability of BIK’s technology to protect user finances, even in cases where login credentials are compromised.
BIK, Poland’s sole credit information bureau and a member of ACCIS, plays a crucial role in supporting the security of financial institutions and their clients by providing comprehensive solutions for secure credit information exchange and fraud prevention. The agency’s portfolio includes the BIK Fraud Prevention Platform, the Cyber Fraud Detection Platform, the Behavioral Verification Platform, and the ESG BIK Platform.
Fair Score Africa: Promoting Financial Inclusion
Fair Score Africa is an innovative fintech firm focused on credit repair, alternative credit scoring, and enhancing financial inclusion in Africa. Through data-driven tools and targeted interventions, the company strives to improve consumers’ credit risk profiles and encourage responsible participation in the credit economy. Recently, their Score Improvement Program was recognized by Digital Banker of Singapore as the Best Credit Scoring Initiative in Africa for 2026.
For further information, media inquiries can be directed to:
Aleksandra Stankiewicz Bilewicz
BIK Press Secretary
aleksandra.stankiewicz-bilewicz@bik.pl
