Emanuel Zollikofer

CRIF AG provides management solutions to financial institutions. It specializes in credit information systems, business information and credit management solutions. The firm offers banks, financial institutions, utility companies and businesses support in every phase of the customer relationship: from the planning of development strategies to acquisition, through to portfolio management and credit collection. The company was founded in 1988 and is headquartered in Zurich, Switzerland.

Part of CRIBIS Holding Srl, Erif Biuro Informacji Gospodarczej SA is a Polish company that collects and provides data to help recover money, assess financial situations, and evaluate financial conditions. The company is based in Warsaw, Poland and has been operating since 2007, collaborating with entrepreneurs throughout Poland. The company secures data to prevent fraud and support risk assessment related to contract negotiation and enforcement. The company also provides documents and electronic materials for institutions and local governments.