automate your credit decisions

Maximize opportunities by saying yes to the right customers
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Should risk always be avoided?

Should risk always be avoided?

Many companies see risk as something entirely negative. With that attitude business opportunities are often missed. The same attitude often means that companies centralize their credit decisions to one or a few people. By instead focusing on optimizing the risk, additional and developed business opportunities are created. With well-informed decisions based on clearly defined parameters, credit decisions are streamlined and can be made by more people. When processing time is reduced by up to 90 percent, there is room to say yes to a larger number of customers. So the answer is no, risk should not always be avoided. Risk should instead be evaluated and optimized. Dun & Bradstreet's decision support system gives you knowledge and an eye on corporate and consumer credit rating in Sweden and the rest of the Nordic region.

The time effect

Let us do a simple calculation; if a company conducts 15,000 manual credit checks per year, it takes about 2,500 hours (10 minutes each). If the same company instead makes automated decisions with an automatic approval rate of 80 percent, savings amount to at least 2,000 hours or 115,000 USD.

Optimize decisions based on your needs

Optimize decisions based on your needs

Ensure a credit management system on your terms

  • Get a customized solution based on your existing credit policy or get a standardized decision template
  • Integrate Dun & Bradstreet's solution with your systems and thereby manage credit decisions using your own interface
  • Be sure that all credit assessments are consistent and uniform, regardless of by whom and where they are made

Our solutions can be tailored and adapted to your specific requirements. Based on your existing credit policy, we produce coherent and consistent decision rules for credit assessment. Thanks to Bisnode's API services, solutions can be integrated into your own systems. By managing credit decisions in your own interface, the decisions become a natural part of your credit management.

Bisnode's solutions can be tailored to adapt decision rules to a company's credit policy. Your credit rating is integrated with Bisnode's credit rating models for companies, scoring for individuals, your own credit policy, information from your ledgers and data from the credit applicant. Based on this information, we create unique credit approval rules for your company. These rules can be adapted and adjusted along with specialists from Bisnode, if for example conditions or objectives of the business change.


Bisnode's credit rating models provide the opportunity to make calculated, impartial and prompt risk decisions. With the help of rating and recommended credit limit, you'll see when you should request prepayment from customers and when to limit or increase the amount of credit. Credit rating symbolizes the risk of insolvency or bankruptcy, and is set based on a combination of data secured statistically by Bisnode's analyses. For corporations, for example, key figures in the annual report are relevant to establish the company's credit rating.

Find out more about credit rating models

Bisnode's scorecard is an effective tool for making better decisions, securing transactions and optimizing risk when assessing the credit rating of consumers and individuals. We have a generic scorecard suitable for most industries, but you can also get one that is completely tailored to your particular industry or business.

Find out more about Bisnode Consumer Score

In order to detect fraudsters and prevent them from becoming part of the customer portfolio, we have developed solutions for fraud prevention. Bisnode has many years of experience identifying previous credit losses and avoiding future loss caused by fraud. This way your company can save SEK millions per year and you can ensure that you know who you are doing business with.

Bisnode's solutions to avoid fraud are based in part on pattern recognition and network analysis. Bisnode analyzes bankruptcies to identify companies and board members with high risk. Frauds often follow repeating patterns. Through our dynamic regulatory systems, you will be warned of those who may pose a risk and therefore should be investigated before a business relationship is initiated.

Bisnode offers:

  • Assessment of new business relations on the basis of fraud indicators
  • Identification of risk behavior in your current customer portfolio
  • Advice on risk, money laundering and fraud

Find out more about Fraud prevention

Bisnode's solutions ensure that you can always make reliable and informed decisions. In order to simplify the decision-making process, we have also developed the solution Bisnode DS Mobile, specially designed for smartphones. You only need to enter a social security number or company organization number, and you can quickly and easily receive a credit decision directly in the phone. If you use Android there is an app available, and if you use an iPhone or iPad, you get the same service via a mobile-friendly site. Thanks to this solution, you can make credit assessments wherever you are. 

Find out more about credit decisions directly in your phone