pbVerify offers credit risk management services, via Web-based SaaS (software as a service) tools that assist businesses in managing their credit risk. The pbVerify platform is connected to all major credit bureaus in SA, offering PBSA customers a wide portfolio of credit bureau products and affordability options. Businesses throughout SA – both small and large, across industries – use the pbVerify service on a daily basis for credit vetting of potential customers. The platform also serves as an affordable and efficient consumer tracing tool, with accurate up to date information provided to tracers across the country. On the consumer front, MYpbVerify gives users instant online access to their latest credit bureau reports. The system offers three well-designed options, ranging from basic personal credit information to premium credit information for company directors and home owners. The pbVerify API (application programming interface) services are secure SOAP (simple object access protocol) Web services that allow integrators access to the pbVerify Information System (PBIS). PBIS is a meticulously designed, easily integratable, high volume server-to-server network with a high-availability switching mesh. PBIS offers customers access to South African identity verification, address verification, mobile number verification, consumer credit report information, commercial credit report information, bank account verification, CIPC company and director verification and advanced driver’s license verification services.