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 1.200 billion due to fraud (as of the end of August 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 187 million (as of the end of August 2025).
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.
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.
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.
Technical Leader of the Anti-Fraud Stream, BIK S.A.
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.
Product Owner in the Anti-Fraud Stream, BIK S.A.
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.
We combine knowledge and data analytics to protect financial institutions from fraud even more effectively.
Experience and technology — this combination enables us to deliver tools that genuinely enhance the security of the entire market.
We combine knowledge and data analytics to protect financial institutions from fraud even more effectively.
Experience and technology — this combination enables us to deliver tools that genuinely enhance the security of the entire market.
Product Owner in the Anti-Fraud Stream, BIK S.A.
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.
Expert in the Anti-Fraud Stream, BIK S.A.
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.
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.
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.
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.
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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