2022-10-21

The Anti-Fraud Report is part of the BIK Group’s educational strategy aimed at increasing the level of security for consumers and financial market entities in terms of identity protection and combating cybercrime. This recurring publication serves as a compendium of knowledge useful for individuals, SMEs, large enterprises, and banks.

2025-12-04

The growth in the number of digital transactions not only brings greater convenience for customers but also opens up more opportunities for fraudsters. Traditional authentication methods, such as passwords or SMS codes, are increasingly often insufficient for effective identity verification especially in an environment where fraud is becoming ever more sophisticated and difficult to detect.

2025-12-04

Financial fraud is most often associated with actions taken by strangers cybercriminals impersonating bank employees, scammers phishing for data, or organised groups operating online. Yet, more and more often, the greatest threat comes not from hackers or external fraudsters, but from people closest to us.

2025-12-04

Buyer fraud is one of the most common methods used to obtain personal data and funds online. It most often starts with an innocent-looking message, for example on a sales platform or messaging app, in which the purported buyer asks the seller to click a link to “receive payment” or “send the parcel”. The page looks familiar, but it is actually a fake online banking login page.

2025-12-04

Cybercrime is becoming one of the biggest challenges of today’s financial sector. The number of online fraud attempts and attacks is growing year by year, affecting both individual customers and businesses. In this reality, it is crucial not only to be aware of the risks, but above all to have effective protection tools.

2025-12-04

Security in online banking and mobile apps today requires measures that provide real protection for bank accounts and confidential data, while simultaneously maintaining the comfort of using the services. Behavioural verification is a modern form of protection, invisible to the user, that analyses how the user interacts with a given device. Thanks to this tool, banks are able to sooner detect unusual patterns and react to threats before fraudulent transactions are carried out. The user logs in and performs operations “as always”, while in the background the system checks the consistency of their behaviour with their user profile, thereby raising the level of security.

2022-10-19

Futuristic inventions that we once watched with bated breath in iconic films of the 1990s have now become part of everyday life. Dr Mariusz Cholewa, President of the Management Board at BIK, explains what behavioural verification is, how a biometric profile is created – one that is unique to a single individual and therefore impossible to forge – and what it is used for, in an article published in  Miesięcznik Finansowy Bank .

2022-10-20

An interview with Bartosz Wójcicki, ex-Director of the Anti-Fraud Services Office at BIK, for the aleBank.pl portal, discussing the Credit Information Bureau’s work on developing a sector-wide solution based on behavioural verification. See more (content available only in Polish)

2022-10-20

Data thieves are constantly developing new methods, combining technological tools with various forms of manipulation and social engineering to steal personal information. Aleksandra Stankiewicz–Billewicz writes in  Głos Banków Spółdzielczych  about criminal practices in cyberspace, the threats involved, and the scale of identity fraud using stolen data. The article also includes practical advice and everyday security...

2022-07-14

Nearly 30% of Poles have encountered identity theft. Find out how to minimise the consequences of such a loss.

2022-07-14

The dynamically growing factoring industry has joined the BIK Anti-Fraud Platform system , whose participants include commercial and cooperative banks, credit unions (SKOKs), lending institutions, and leasing companies. Since 15 September 2021, under amended provisions of the Banking Law Act, the list of entities authorised to exchange information about fraud or suspected fraud with other participants in the financial market has been...

2022-07-01

Almost daily, we receive media reports about cyberattacks, many of which are linked to financial fraud. Victims are often completely unaware that their personal data has been used to commit a crime. In her article for  Miesięcznik Finansowy Bank , Marzena Jabłońska, an expert at BIK’s Anti-Fraud Services Office, analyses the demographic profile of fraudsters, their methods from the moment of identity theft, and their...

2022-05-23

Fraud and credit scams remain among the most pressing challenges facing the financial sector. Banks and financial institutions employ various methods to detect criminal activity. Rafał Bednarek, Vice President of the Management Board at BIK, spoke with Aleksandra Rączkiewicz, Editor-in-Chief of  Głos Banków Spółdzielczych , about how BIK supports cooperative banks and their customers in improving security. Download the file...

2022-07-01

An interview with Agnieszka Szopa-Maziukiewicz, Managing Director of the IT Area at the BIK Group and President of the Management Board at Digital Fingerprints, for  IT Wizz Magazine . The conversation focuses on platform-based security solutions that serve the financial sector and, increasingly, other entities operating in the digital space. Download the file ( content available only in Polish)