Creditworthiness assessment

Creditworthiness assessment based on external sources of information

Obtaining information from external sources significantly facilitates running a loan and credit business. First of all, additional data helps to quickly eliminate "bad applications", and thanks to the automatic verification of the customer data credibility, the application processing is faster. The use of connectors streamlines the entire process, from obtaining information from an external institution and aggregating data in the existing systems, to using them to assess creditworthiness.

Connectors do not only provide integration. They also present a lot of additional functionalities that help reduce costs!

Key functionalities of connectors, or why you should have them

Possibility of obtaining data on-line from a selected information base.

Before sending the next query, the connector checks whether a given entity has no current report in its memory; if it finds one, it returns a report from the cache memory, without re-polling, which is a great saving for the user.

The functionality of sending mass inquiries ensures the possibility of servicing many entities simultaneously, where possible.

The possibility of sending inquiries from the web level, which makes it easier to query, in particular about a single entity

The ability to build your own reports using SQL queries - VSoft connectors store data in a dedicated database.

An intuitive interface allows you to operate the connectors without involving the IT department.

They store information about all queries, including failed ones, and all replies, including those containing errors.

List of available connectors that can be used, among others, in credit risk assessment

The BIK KI connector provides access to the customer evaluation report, monitoring report and customer management report.
The connector for communicating and polling the Antifraud Platform made available by BIK - VSoft BIK PAF for KI is the result of many years of cooperation between VSoft and the Credit Information Bureau.
ERIF Economic Information Bureau accepts, stores and discloses data on debtors and prompt payers.
The Kontomatik connector is a tool that allows you to download information about the customer's account from any bank or institution that complies with the provisions of the PSD2 directive.
VSoft InfoVeriti connector clearly presents information from the InfoVeriti business intelligence agency.
VSoft COIG connector enables access to information on individual bankruptcies and business failures.
The BIK P connector provides access to the business owner's assessment report, monitoring report and business-client management report.
National Debt Register Biuro Informacji Gospodarczej S.A. is another key source of data on debtors and prompt payers.
Info Monitor
BIG IM connector (BIG InfoMonitor) is a solution that allows you to add the BIG InfoMonitor polling functionality to any system.
Bank Register
The Bank Register Connector enables integration with the MIG-BR system.
KRS/Monitor sądowy
Monitor Sądowy i Gospodarczy (MSiG) is a nationwide official journal - announcements and so-called monitors are published in it every day.

VSoft Connectors

Communication with external information databases

Our solutions allow you to use various external sources of information in your credit processes.

If you have any further questions

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