• If the applicant is one of their existing customers, they assess the application by using their own data,
• The applicant is searched against the negative list of TCMB (The Central Bank of Turkey),
• They evaluate the application based on the information declared by the applicant,
• They assess the application by using their own investigation methods.

But these are not enough for making reasonable credit decisions !

How do the members of KKB make their risk analysis ?

Besides the above mentioned traditional methods, they benefit from KKB’s services:

• The members, by using online connections, can access more comprehensive (all closed accounts over the past 5 years and all open accounts) and more complete (not only negative data such as defaults but also favorable information about previous on-time payments) information which enables them to make faster and more accurate credit decisions,
• CRS highlights slow or erratic payments, arrears and defaults enabling members to distinguish more promptly between erratic or forgetful payers who represent no real credit risk and those who are more likely to go default,
• The members can obtain all personal information (current and previous) about customers,
• Accurate and up-to-date information enables our members to monitor and evaluate changes in the customer profile as they occur and to make better decisions.

Commercial success means taking the right actions at each stage of the customer relationship cycle.

Our information resources enable our clients to identify the best potential customers for their products and services.