BIK anti-fraud solutions

Security-Oriented Systems 

BIK Fraud Prevention Platform

If your company provides financing, you can benefit from a solution that effectively detects and prevents fraud—protecting both individual and business clients.

Since its launch in 2017, the BIK Fraud Prevention Platform has helped prevent losses exceeding PLN 1.155 billion due to fraud (as of the end of June 2025). Notably, in the area dedicated to business data fraud prevention—introduced in June 2020—the platform has safeguarded companies from losses totalling nearly PLN 185 million.

Using over 150 anti-fraud rules, including dedicated rules for factoring products, the platform detects fraud at the earliest stage—during initial customer data collection. Verification in the PAF database is performed in real time, with an average processing time of just 2 seconds.

Every organisation that joins BIK’s fraud prevention services contributes to strengthening the security of the entire financial sector.

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Cyber Fraud Detection Platform

At BIK, our mission is to deliver the highest standards of security for the financial sector. A key part of this mission is the development of innovative anti-fraud services that protect the digital channels used by financial institutions.

Comprehensive fraud protection goes beyond credit products—it also covers transactional areas, especially those conducted online.

Recognising the growing threats in the digital space and expanding our portfolio of anti-fraud services, BIK now offers a solution that enhances the security of access to online financial services: the Cyber Fraud Detection Platform.

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Behavioural Verification Platform

Joining BIK’s portfolio of advanced fraud detection tools—already protecting banks from fake credit applications and securing online transactions at the device level—is a new, innovative mechanism: Behavioural Verification. This cutting-edge technology was developed by Digital Fingerprints, a company within the BIK Group.

BIK continues to strengthen its expertise in building sector-wide anti-fraud systems and is now expanding its capabilities with the Behavioural Verification Platform.

Thanks to behavioural verification, banks can detect and respond to situations where a customer—knowingly or unknowingly—hands over control of their device to another person, or when the device is taken over without authorisation.

Recognised by the European Banking Authority as a method of strong customer authentication, behavioural verification allows banks to eliminate the need for other mechanisms such as tokens, SMS codes, or mobile apps.

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Publications

Our Experts

Marcin Cybulski

Marcin Cybulski

Leader of the Anti-Fraud Stream, BIK S.A.

Marcin began his professional career in the financial sector in the 1990s and spent many years with PKO Bank Polski. He has extensive experience in developing and implementing anti-fraud strategies within the banking industry. He has participated in key projects focused on operational risk management, fraud prevention, anti-fraud monitoring, and optimisation of critical processes.
Marcin is a seasoned manager with long-standing experience in leading teams working in the area of electronic banking security.

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Karol Głogowski

Karol Głogowski

Technical Leader of the Anti-Fraud Stream, BIK S.A.

Karol has been involved in IT projects for over 10 years, taking on various roles including business analysis, project management, and product development. He gained his IT experience through numerous projects in the insurance and banking sectors (e.g. the Direct Claims Settlement Programme). Since 2019, he has co-developed the anti-fraud area at BIK. Under his supervision, over 30 projects have been successfully delivered, contributing to the development and dissemination of sector-wide solutions offered by the Credit Information Bureau.
His collaboration with a wide range of financial sector entities (banks, credit unions, leasing and factoring companies, lending institutions, insurance firms) has given him a comprehensive understanding of the sector’s specific needs. Thanks to his experience, he effectively bridges the gap between business and IT.

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LinkedIn

Marzena Jabłońska

Marzena Jabłońska

Product Owner in the Anti-Fraud Stream, BIK S.A.

Marzena has over a decade of experience in the anti-fraud field. She began her career in 2008, gaining expertise as a credit fraud prevention analyst and later as a team leader in transactional fraud prevention. A key milestone was her co-development of an anti-fraud system for online banking.
Since 2017, she has been responsible at BIK for the development, onboarding, and maintenance of one of the Group’s main anti-fraud solutions—the BIK Anti-Fraud Platform. Marzena is also the author of publications on fraud prevention in the financial sector, including in factoring companies. As the leader of the “Factoring in the BIK Anti-Fraud Platform” initiative, she helped create a space for sharing fraud alerts across the broader financial sector.

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LinkedIn

Piotr Morawski

Piotr Morawski

Product Owner in the Anti-Fraud Stream, BIK S.A.

Piotr began his career in 2009 as an analyst at one of Poland’s major critical infrastructure companies. He has since developed his expertise at BIK, where he has been responsible for implementing and developing anti-fraud systems to protect remote channel operations.
Thanks to his analytical support, over 20 projects have been successfully implemented for financial sector entities (banks, credit unions, leasing and factoring companies, lending institutions).
He is an expert in cybersecurity, passionate about Device Intelligence solutions, and a hands-on practitioner in anti-fraud processes. Piotr combines practical experience with academic knowledge, having completed postgraduate studies in database applications, data analysis, and cybersecurity. He continuously develops his skills through numerous training courses, as confirmed by his certifications.

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LinkedIn

Agnieszka Sinkiewicz

Agnieszka Sinkiewicz

Expert in the Anti-Fraud Stream, BIK S.A.

Agnieszka has been working in the financial sector since 2005, consistently focusing on cybersecurity. She gained her professional experience in banking, specialising in cybersecurity, fraud detection, and prevention. Her expertise includes both solid theoretical knowledge and practical experience in anti-fraud analysis, acquired at one of Poland’s largest banks.
Since 2022, she has actively supported the Anti-Fraud Stream at BIK, focusing on the BIK Behavioural Biometrics solution. She skilfully balances business needs with technical and formal challenges in the onboarding process and client collaboration.


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