VSoft Connectors

Communication with external information databases


Our offer includes solutions that enable the acquisition of external data that can be used in internal processes of the organization. All thanks to connectors, which enable easier and quick integration with external databases. A wide range of offered connectors enables the use of data in various business areas, e.g. creditworthiness assessment, anti-fraud analysis, and debt collection process. There are countless applications of connectors - depending on the industry and the company's needs.

The inclusion of external data in the internal processes of the organization allows for a significant enrichment of business models, and thus increase of the attractiveness of the products offered and risk reduction.

Credit Information Bureau Individual Client - BIK KI

The BIK KI connector provides access to the customer evaluation report, monitoring report and customer management report.

The data from the report can be used not only for risk assessment, but also in the process of generating offers (e.g. consolidation offers). In turn, additional data streamlines the creation of an offer, evaluation of the application, during the monitoring process, building a database of good customers or setting limits. The BIK KI connector provides full flexibility, when and for which customer to download a credit report.

VSoft connector for BIK KI:
  • Provides access to the most up-to-date and most comprehensive database of credit obligations in Poland - kept by BIK,
  • Provides access to ready-made credit scores for checked entities, i.e. scores issued to borrowers by BIK,
  • Provides different types of reports for an individual customer: credit report, monitoring report, client management report with supplementary reports.



Credit Information Bureau Business Owner - BIK P

The BIK P connector provides access to the business owner's assessment report, monitoring report and business-client management report.

The data from the report can be used not only for risk assessment, but also in the process of generating offers (e.g. consolidation offers). In turn, additional data may be needed at the stage of the offer, evaluation of the application, during the monitoring process, building a good customer base or setting limits. The BIK P connector provides full flexibility, when and for which customer to download a credit report.

VSoft connector for BIK P:
  • Provides access to an up-to-date and extensive database of credit obligations in Poland - kept by BIK,
  • Provides access to ready-made credit scores for checked entities, i.e. scores issued to borrowers by BIK,
  • It provides various types of reports for an individual customer: a credit report, a monitoring report, a client management report along with supplementary reports, e.g. Supplementary Relationship Report.



Antifraud Platform of the Credit Information Bureau Individual Client - BIK PAF KI

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.

VSoft BIK PAF KI, at an early stage of a financial product application (e.g. loan, insurance, leasing), allows you to detect frauds and malpractice, and also extends the scope of rules and algorithms in the assessment process. Thanks to the cache functionality and initial query quality verification, it improves the efficiency of processes and reduces costs. Access to the BIK PAF Antifraud Platform allows for efficient and reliable verification of a potential customer using local or national antifraud rules.



ERIF Economic Information Bureau

ERIF Economic Information Bureau accepts, stores and discloses data on debtors and prompt payers.

It has data on liabilities from, inter alia, the primary and secondary telecommunications, multimedia, banking, financial and budget sectors. Information on debtors added to the database by companies from the KRUK Group, unavailable in other economic information offices, is of unique value. VSoft ERIF connector facilitates communication and integration of external systems with the ERIF BIG S.A. system. The connector enables integration in the field of downloading financial reports about your clients and business partners (for an individual or a company).



National Debt Register Biuro Informacji Gospodarczej SA - BIG KRD

National Debt Register Biuro Informacji Gospodarczej S.A. is another key source of data on debtors and prompt payers.

VSoft BIG KRD connector allows for communication and connection of external systems with the KRD system. It enables integration in the field of downloading financial reports about your clients and business partners (for an individual or a company).



Proprietary documents - MIG DZ

VSoft Proprietary Documents connector enables integration with MIG-DZ and protects against one of the most common types of fraud.

Information that an identity document has been found in the database of restricted documents alerts you to a possible attempt to extort funds. Integration with the system can be performed at any stage of the credit process: during the registration of the application, the assessment, signing the contract or disbursement.

The proprietary document connector provides:
  • access to information about millions of stolen or lost documents,
  • protection against fraud by using such documents,
  • guarantee of the most recent and complete information - all banks and significant financial institutions in Poland participate in the system.



Bank Register

The Bank Register Connector enables integration with the MIG-BR system.

The information obtained from the Bank Register may be used at any stage of the application evaluation or during the generation of limits and pre-approved offers. The connector connects to the database containing the data of over 2.2 million customers who fail to meet their obligations. Access to the connector allows for efficient and qualitative verification of the customer portfolio.



InfoVeriti

VSoft InfoVeriti connector clearly presents information from the InfoVeriti business intelligence agency.

Thanks to the connector, you will correctly assess the risk of the applicant's bankruptcy and reduce costs thanks to free access to downloaded historical reports.

Integration with Vsoft Info provides access to data on the selected entity in the field of:
  • the subject of the company's activity according to PKD and its financial result compared to the industry,
  • financial statements,
  • capital ties,
  • press monitoring,
  • payment arrears,
  • amount / number of subsidies from the EU,
  • recommended maximum credits,
  • information on payment arrears,
  • number of tenders won,
  • the number of entries on liquidation and bankruptcy,
  • credit score - the given entity’s own score.



TERYT

The TERYT module improves the address data management.

When registering an address, it is enough to complete the zip code, and the remaining data - voivodship, poviat and commune - will be completed or narrowed down to the list of towns and streets. The platform can validate whether the address data retrieved from another system is correct and consistent (for example, whether the postal code is correct for a given city and street). Additionally, the built-in database of distances between postal codes allows you to set up rules for selecting branch service or to create anti-fraud rules.



Kontomatik

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.

The solution applies to individual clients who are the owner or co-owner of the account. The cache functionality has been implemented in the connector, i.e. data caching. Until the data is removed from the internal resources of the connector, internal systems can use the information they have multiple times, without the need to repeatedly ask for Kontomatik data. In addition, the connector has been implemented with the functionality of returning information about all accounts from various banks and customer institutions that are saved in kKonektor. For this purpose, a single call to the dedicated service is enough.

The data received from Kontomatik allows for the automation and faster service of credit and loan processes, also in terms of determining the maximum amount available on the basis of inflows from various customer accounts in various financial institutions. The ability to analyse actual transactions performed on the indicated client's accounts facilitates the verification of the client's financial condition. This streamlines the decision to accept or reject a loan or loan application. An additional benefit lies in the verification of data: declared income and instalment expenses, which were presented in the application.



BIG InfoMonitor

BIG IM connector (BIG InfoMonitor) is a solution that allows you to add the BIG InfoMonitor polling functionality to any system.

The module stores both sent queries and returned responses in the database. The functionality, in addition to remembering feedback reports in the original form, also remembers responses with structured data. Reports from BIG IM contain information on both paid and delayed liabilities. Due to the close relationship between BIG InfoMonitor and BIK S.A., reports downloaded from BIG IM are enriched with data from BIK. It is a key functionality for entities whose legal status does not allow cooperation with BIK S.A., and who care about a wide volume of data for the analysis of their clients.



Monitor Sądowy i Gospodarczy - MSiG

Monitor Sądowy i Gospodarczy (MSiG) is a nationwide official journal - announcements and so-called monitors are published in it every day.

The MSiG includes entries regarding changes to the National Court Register, shareholders' meetings, publication of financial statements, commencement of bankruptcy proceedings and other information required by the Code of Commercial Companies, the Code of Civil Procedure, the Act on the National Court Register and other acts. VSoft MSIG connector provides access to announcements published by Monitor Sądowy i Gospodarczy. Additionally, the connector separates and analyses the announcements, assigning them to specific persons and entities.



COIG

VSoft COIG connector enables access to information on individual bankruptcies and business failures.

Only on the basis of the customer's identifier (NIP, REGON, PESEL or KRS), the connector checks with the Central Economic Information Centre whether a given entity is included in its resources. With the connector’s help, you can get information about the date to which the activity was conducted, address data and the court reference number of the case.

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