Tuesday, 5 May 2026
Biuro Informacji Kredytowej has entered into a strategic partnership with Fair Score Africa to introduce its behavioural fraud detection technology across selected African markets, as financial institutions respond to rising levels of digital crime.
The collaboration will see the rollout of BIK’s Behavioural Verification Platform (BVP) in seven countries: South Africa, Kenya, Nigeria, Botswana, Ghana, Namibia and Zambia. The initiative targets improving transaction security in regions where mobile banking and digital payments are expanding rapidly.
The move comes amid growing concerns over cybercrime in Africa. According to international data, digital fraud has become a significant share of reported financial crime across parts of the continent, with losses from cyber incidents running into billions of dollars over recent years.
The BVP system is designed to identify users based on behavioural patterns rather than relying solely on traditional authentication tools such as passwords or one-time codes. By analysing how customers interact with devices during online or mobile banking sessions, the platform can detect anomalies that may indicate unauthorised activity.
The technology uses machine learning to continuously refine behavioural profiles, enabling real-time monitoring and response. The system operates within established data protection frameworks and is intended to reduce fraud exposure while maintaining a consistent user experience.
Dr. Danny Zandamela, CEO of Fair Score Africa, said: “Our collaboration with BIK directly responds to a pressing need across the African market, where we are witnessing a swift rise in financial crime, especially through mobile platforms. BIK’s behavioural verification technology offers a crucial enhancement to our security landscape – improving fraud detection without compromising the user experience. We believe this forms the basis for secure and sustainable growth across the region.
We position the partnership with BIK as a long-term commitment, the outcome of which is the ability to provide local financial institutions with a critical technology that protects against the evolving threat landscape across the African continent. In future, it may serve as an authentication layer for national citizen-identification systems through integration with, for example, the Ghana Card or Nigeria’s NIN, which are the respective equivalents of the Polish national identity card.”
Mariusz Cholewa, CEO of BIK, added: “At BIK, we are proud to be building one of the world’s most advanced anti-fraud ecosystems, renowned for its exceptional scope and technological sophistication. By expanding this digital shield to our partners’ markets in Africa, we are not simply sharing technology — we are exporting trust and confidence in the financial sector.
By analyzing each customer’s distinctive behavioural patterns, our technology can safeguard their finances even in situations where login credentials have been compromised by cybercriminals. We are demonstrating that cutting-edge technology developed in Poland is fully scalable and ready to protect financial sector clients across continents.”
The partnership reflects a broader trend of financial institutions adopting advanced analytics and behavioural monitoring tools to address increasingly sophisticated fraud risks, particularly in fast-growing digital economies.
