Fintech group Cyberbird implemented customer data verification through SBP to improve the safety of consumer loans

2025: Customer Data Verification via SBP

Fintech- the group Cyberbird that unites digital services of alternative lending ("Hello, Neighbor!," Finters, "Probalance") has connected a system for automatic verification of the borrower's details when issuing online loans through the Fast Payment System (). SBP Integration made it possible to increase control over the safety of issuing consumer online loans and reduce the risks of fraud. The company announced this on October 30, 2025.

When issuing online loans, microfinance organizations check the coincidence of the borrower's data in the application and the owner of the bank account to which the funds are planned to be transferred. From September 1, 2025, under the new regulatory rules, this process has become mandatory for all MFIs. Checking your identity matches helps prevent fraudulent activity. For example, when attackers, using stolen personal data of customers, draw up loans, and withdraw funds to their bank cards. The implementation of this mechanism reduces the risk of such operations and makes the issuance of consumer loans more transparent and safe for customers.

Cyberbird uses the Fast Payment System, a service of the Bank of Russia, as a method for checking borrowers' data, with which you can transfer funds by phone number between accounts opened with various banks in Russia. After making an application, the system automatically sends a request to the National Payment Card System (JSC "NSPK") to obtain information about the recipient of the instant payment. The surname (or its first letter), the name and patronymic of the borrower are checked for a match. The response about the compliance of the data is received in real time, which allows you to quickly decide on the loan. The system uses modern encryption and data protection technologies, which maintains a high level of security during operations and minimizes the risk of fraud.

{{quote "Connecting Cyberbird to the SBP makes the process of issuing consumer loans more reliable - additional verification of customer information protects against falsification of details and prevents transfers based on compromised data. Previously, borrowers also tied a card to a phone number, but even during checks there were loopholes that fraudsters could use. Now, thanks to the automatic reconciliation of data in the SBP, we have significantly reduced the likelihood of such risks and strengthened the protection of our customers, - said Evgeny Ledovskoy, product director of the Cyberbird fintech group. }}