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( CCB )

Exchange and store information within banking and
non-banking sectors securely and seamlessly

Finbraine’s CENTRALISED CREDIT BUREAU (CCB) is a national database that, provides


with an individual credit report detailing their credit agreements


with comprehensive information to help with credit assessments

Central Bank/NBE

Central Bank/NBE - with better insights into national trends in the provision of credit

Information submitted by lenders to the CCB is used for creating individual credit reports. The customer has a right to request for their credit report.

Business Challenges

Lenders, Borrowers, Central Banks, and Governments face issues in growing Credit economy in the absence of Centralized Credit Bureau

New Customer Acquisition

New Customer Acquisition is restricted due to lack of central repository with data of walk-in customers

Multiple Localised Credit Bureaus

Multiple Localised Credit Bureaus with each one having its own proprietary algorithm to arrive at a credit score for borrowers leads to unreliable information for the Lending institutions

Physical Verification

Physical Verification of Borrowers leads to Lengthy and non-transparent process

Increased costs and frauds

Increased costs and frauds due to lack of centralised system

Poorly framed Credit Rating Processes

Poorly framed Credit Rating Processes disincentives creditworthy borrowers

Lending, Credit, and Financing have evolved drastically in last couple of years. The way consumers access credit today is far different from what it was almost a decade back. Traditional scoring agencies have lagged behind when it comes to implementing technology to assess creditworthiness of a potential loan applicant.


Finbraine’s Centralised Credit Bureau (CCB ) platform for information exchange within the banking and non-banking sectors empowers organisations to store and distribute information and intelligence. CCB store Banking, Personal, Financial and Credit/Lending information for allowing any loan/lending issued within the country

Use of standardised decision-making tools increase the value of data shared and stored.

AI-based Credit Score Ratings for any individual in country

Public Private Partnership ( PPP ) mode of operation offered by Finbraine to the Central Bank of country



CCB scoring registry system provides collective positions of credit monitoring that include all data and information about their borrowings and ratings


Lending organizations can access the customer’s consolidated positions which help them in their credit granting, renewal and increase decisions


NBE can have better control and view the lending. Since lending is the backbone of an economy, NBE helps reduce the informative asymmetry between lenders and borrowers


Provide information and guidance to institutional and individual investors/creditors

Enhance the ability of borrowers/issuers to access the money market and the capital market for tapping a larger volume of resources from a wider range of the investing public

Assist the regulators in promoting transparency in the financial markets

Provide intermediaries with a tool to improve efficiency in the funds raising process

Supports the Central Bank’s obligations and functions, including consumer protection, supervising the financial sector and ensuring financial stability