D&B Financial Infrastructure and Credit Bureaus (FICB) is the arm of Dun & Bradstreet SAME Ltd that manages the establishment and development of Credit Bureaus in the South Asia, North Africa and Middle East regions.

Leveraging over 160 years of experience in collecting, assessing, analyzing, and disseminating data, and drawing from the depth of experience of a data team, FICB offers their clients turnkey Credit Bureau establishment solutions. Complete with licensed Credit Bureau software and Credit Bureau consulting, D&B FICB are helping clients achieve their business goals in the shortest possible time-to-market.

With Credit Bureau and Bureau-related initiatives spanning the entire globe, D&B FICB is fast becoming the partner of choice for public and private sector organisations that are looking to establish, grow or modernise their Bureau businesses.

“A loose-credit policy lost money. A tight-credit policy lost business. Intelligence, judgment and good information – these were what made the crucial difference”

With our global partnerships, such as TransUnion, and active presence in North and West Africa, Middle East and Far East, D&B FICB is able to provide solutions that are both world-class and market-leading.

• Reciprocity
• Neutrality
• Efficient Dispute Handling
• Security Standards
  
  

   For Consumers:

• Faster and easier access to credit
• Higher standard of living
• Reduced cost of borrowing for applicants with demonstrated credit performance
  
  

   For Small & Medium Enterprises:

• Faster and easier access to credit
• Reduces SME high risk perception among lenders
• Greater development
• Reduced cost of borrowing for applicants with demonstrated credit performance

   For Members:

• Increased market penetration
• Operating efficiencies
• Shift to information based banking
• Comprehensive risk review of clients
• Enables differential pricing based on payment behaviour

   For Regulators:

• Provides effective credit risk monitoring mechanism
• Facilitates credit expansion without increasing risk
• Reduces NPLs and default probability levels in economy

• For Regulators:
• Provides effective credit risk monitoring mechanism
• Facilitates credit expansion without increasing risk
• Reduces NPLs and default probability levels in economy

• Centralized
• Comprehensive
• Reliable

• Whom not to give credit, and more importantly,
• Whom to give credit
• Increases credit volume / improves access to credit