Communication Hub, Communication with BIK, KRD,

DZ, BR BIK KI 4.0 interface

Integration Hub

BIK KI 4.0

BIK KI 3.7, BIK P, BIG InfoMonitor, KRD, ERIF, DZ, BR, RDO

We integrate the systems of banks and financial institutions with the Polish Credit Bureau and other external information databases, providing standardized access to data and the ability to parameterize your own decision-making algorithms on a low-code platform.

BIK 4.0

The Polish Credit Bureau Protocol 4.0

Performing single online queries

Wykonywanie masowych zapytań online na podstawie pliku

Performing mass offline queries

Loading offline mass responses

Mass export of response data

Cache support

Working in simulation mode

01

Integration Hub – data, analysis, automation for risk departments.

Our solution, Integration Hub, was developed to provide risk departments of large financial institutions with standardized access to data from external collections, the ability to analyze them and automate decisions.

02

Communication connectors and decision models in a low-code platform.

The solution includes a set of communication connectors - services and mediators responsible for communication with external information databases, as well as applications and decision-making models implemented in our low-code Meltemee platform.

03

Communication connectors – access to data via REST API, integration with external databases and analysis in the local database.

Due to the introduction of the new Protocol 4.0 by the Polish Credit Bureau, we offer a connector for online and offline queries, communicating using the REST protocol and JSON messages in accordance with the 4.0 format; communication via IBM MQ is available as well.

04

Credit Bureau Protocol 4.0 connector – handling online and offline queries via REST/JSON or IBM MQ.

Due to the introduction of the new Protocol 4.0 by the Polish Credit Bureau, we offer a connector for online and offline queries, communicating using the REST protocol and JSON messages in accordance with the 4.0 format; communication via IBM MQ is available as well.

Solution Components

A team of communication connectors that integrate with external information databases

Communication applications:

Meltemee Batches - provides functionality for preparing batch data based on defined automatic flow or manual operation by the operator. The solution considers all validation rules and batch generation conditions.
Meltemee Client - provides the Integration Hub client functionality, enabling manual query handling, searching customer records and queries, and visualizing reports from external databases.
Meltemee Administration - which is the administrative console for managing the solution.

The architecture of the solution enables the use of a low-code platform decision engine for parameterization of own algorithms for analyzing data obtained from external information databases in the risk assessment process. The decision algorithms can then be run automatically or manually.

BIK 4.0

Polish Credit Bureau

Polish Credit Bureau (PCB) has the largest database of individual customers and businesses that apply for or have financial obligations. It operates in accordance with the provisions of the Banking Law and is authorized to process data covered by banking secrecy. PCB is the only organization in Poland that collects comprehensive information on credit obligations, cooperating in this area with banks, loan companies, debt collection agencies, leasing companies, and insurance companies.

Contact Us

BIK 4.0

How it works:

The logic and technical aspects of external information database management are separated into dedicated services, known as connectors. The connector communicates online with the API provided by the external information database.

The key advantages of our solution include:

Automatic data exchange and integration with credit systems of entities cooperating with Credit Bureau and other information databases
Full history of queries and responses
Detailed query validation enabling data correction before sending to Credit Bureau or another external database
Report cache returning a previously downloaded report when certain conditions of its validity are met
Ability to process and transfer data offline (e.g., mass queries)
Creation of custom credit report forms
Full compliance with communication protocols
A single communication hub provides integration services with multiple databases used in credit processes and customer monitoring

Work smarter and faster with us

An experts team and low-code technology that work for you:

In-depth expert knowledge, many years of cooperation with Polish Credit Bureau as a technology partner, many implementations in banks and financial institutions
Open architecture, ensuring easy expansion with additional communication connectors
Possibility to use a low-code platform for analyzing Credit Bureau reports and further processing of the obtained data
A modern and functional user interface with report visualization support

Obraz zawierający tekst, zrzut ekranu, Czcionka, informacjaZawartość wygenerowana przez AI może być niepoprawna.And the availability of communication connectors discussed above, as well as for other information databases, including KRD, ERIF, and Polish Bank Association databases.

As part of the implementation, support is also offered for powering the above-mentioned information databases, in particular inputs to Credit Bureau and other information databases. The communication platform has been integrated with the decision engine (scoring, rating) and the credit process.