About us


CRIF is the leading provider in continental Europe of banking credit information, one of the key players worldwide providing integrated services and solutions for business & commercial information and credit & marketing management, and is included in the prestigious FinTech 100, a ranking of the leading global technology solution providers to the financial services industry.

Nowadays more than 3,300 banks and financial institutions, 44,000 business clients and 167,000 consumers use CRIF services in 50 countries on a daily basis.

CRIF is an independent company with 90% of its capital held by founder members and management, and the remaining 10% by various credit institutions. Among the latter, 3 international banks have been present in the shareholding group since the 1990s, namely BNL-BNP Paribas, Deutsche Bank and Banco Popolare (the largest Italian public cooperative credit institution).

In 2015, CRIF's total revenue was 390 million of euro. Current equity amounts to 169,3 million of euro.

for further information: www.crif.pl


The Polish branch  has been operating since 2001 in Cracow. It is the Group's technology centre. In 2012, the many years of business and technological experience on the markets of Western Europe resulted in a decision to start offering the services also in the Polish Partners.

CRIF Services Sp. z o.o.  the operator of risk management solutions based on the DSPONE technology. The company has an experienced team of dozens of engineers and data analysts. It can thus offer a full range of innovative products and solutions in the area of optimizing the processes of making credit decisions.

The company's offer provides intelligent identification of persons or legal entities and the relationships between them, the integration of all relevant data sources, as well as the individual models of scoring evaluation and rules of detecting fraud attempts.

The solutions based on DSPONE also provide a quick access to full and up-to-date information 24 hours a day, 7 days a week.

Krajowe Biuro Informacji Gospodarczej S.A. (National Bureau of Economic Information) KBIG is a modern credit bureau offering access to complete, reliable and current payment behavior data on natural persons and business entities.

The bureau offers its Partners and their Customers a continuous monitoring of enterprises and building their own payment reliability, by disclosing positive information about them to KBIG. In this way, the bureau creates solid foundations for building relations based on full trust in the course of trade.

The core business of KBIG is the implementation of tasks specified in the Act dated 9 April 2010 upon Giving Access to Economic Information and Economic Data Exchange. The bureau operates under the supervision of the Ministry of Economy.

Deltavista Sp. z o.o. – competence and system centre, implementing projects for the Partners of CRIF Group from many European countries.

The centre comprises a team of professionals responsible for new technologies and data analysis, offering profound knowledge of the needs and effective solutions in the area of risk management. The team is developing a world-class proprietary technological platform called DSPONE used to create credit risk management systems.

The platform was the basis for the creation of leading systems of credit bureaus in Austria, Switzerland, Germany and Poland as well as individual implementations for many leading enterprises in various sectors of European economy.