The end-to-end knowledge company

The company

CRIF Kredit-Axborot Xizmatlari is Uzbekistan's specialist in credit information, advanced analytics, and end-to-end credit management solutions.

The mission of CRIF KAX is to support banks, financial institutions, and lenders at every stage of the customer relationship — from acquisition and portfolio management to collection. Through a comprehensive range of products and solutions, CRIF KAX helps businesses perform better and empowers consumers to manage their credit health with confidence.

Founded in May 2020 in Tashkent and licensed by the Central Bank of the Republic of Uzbekistan, CRIF KAX brings together 3 leading local commercial banks — Apex Bank, Ipoteka Bank (OTP Group), Ipak Yuli Bank — alongside CRIF SpA as its shareholders.

Beyond a world-class Credit Bureau platform, CRIF KAX delivers a complete suite of value-added solutions for the financial sector, integrating insights from both traditional and alternative data sources.

CRIF is a global company specializing in credit and business information systems, analytics, outsourcing, and processing services, as well as advanced digital solutions for business development and open banking. Today, CRIF is the leading group in continental Europe for banking credit information and one of the principal operators worldwide in integrated services for business and commercial information, credit, and marketing management.

Moreover, CRIF makes its knowledge and information assets available to consumers through services which are specially designed to help them take decisions calmly and with knowledge of the credit and property markets.

CRIF is committed to digital financial inclusion. We work responsibly to offer innovative solutions to support our customers to enhance access to credit in compliance, granting a digital access and use of financial services by excluded and underserved people.

Our mission

The mission that drives CRIF is to create value and new opportunities for consumers and businesses by providing reliable information and solutions, allowing more powerful decisions and accelerating digital innovation.

Since 1988, CRIF has been responsibly supporting its clients glocally in their everyday financial journey, through trusted information, advanced cutting-edge solutions, and unique expert knowledge.

CRIF helps credit supply meet demand; supporting institutions to manage lending more efficiently and effectively and providing specific help to millions of consumers and businesses to access credit more easily. CRIF provides advanced solutions to decision-makers in the banking, financial, insurance, telecommunications, utilities and business world, starting from listening and understanding the business needs which make each company unique and different. Every day, the people at CRIF serve their clients with knowledge, commitment and passion to help them to grow: together to the next level.

Sustainability

Commitment to the ecosystem of partners, suppliers, and customers, their people, the community, and the environment.

Our global presence

Established in 1988 in Bologna (Italy), CRIF has a global presence, operating over four continents (Europe, America, Africa and Asia).

Today, CRIF is the leader in Italy for retail credit management and lending support solutions and, thanks to the expertise acquired over more than 30 years of activity in highly competitive markets, it is the leading group in continental Europe in the banking information sector and one of the main operators on an international level for integrated business and commercial information and credit and marketing management services.