Intelligent Receivable Solutions
Intelligent Receivable Solutions

BIBO Introduction

Founded in 2000, BIBO is a leading Hong Kong-based accounts receivable management company serving the needs of a broad range of corporate clients in the banking, virtual banking, financial, securities brokerage, insurance, property agency, telecommunications, logistics and other arenas.

Seeing a need for change in the debt collection practice, BIBO’s founders, who have vast experience in financial services, established the company with a vision of building a new business model and culture for the industry. From the onset, BIBO emphasizes ethics, service quality and transparency, upholding strict compliance with relevant legislation and industry codes of conduct.

Company Introduction

Company History

Company History

Our Vision

Over the past two decades, BIBO has garnered various industry awards, obtained certifications, and earned the trust of customers of diverse types. Its business and management system has evolved in step with industry and technological changes. Combining its mediation strengths, the use of FinTech and an innovative mindset, BIBO is forging a new path through the offering of Intelligent Receivable Solutions.

BIBO’s business success is tied to its capability of anticipating and meeting new client needs, thereby exceeding client expectations. Building on its solid foundation, the company will continue to enhance its system, work process, service standards and professional skill sets with a view to staying in rhythm with client growth and societal progress.

As a member of the following professional associations, BIBO operates under their stringent Codes of Ethics:

  • The Hong Kong Credit & Collection Management Association (since 2000)
  • ACA International (since 2000), an international professional association to enhance the standards and practices of receivables management
  • Credit Services Association (since 2019), the only national trade association in the UK for companies active in the receivables management industry
  • Institute of Financial Technologists of Asia (Founding member since 2019)
  • Fintech Association of Hong Kong (since 2020)
  • International Association of Commercial Collectors, Inc. (IACC) (since 2021)


Codes of Conduct

In strict compliance with relevant laws, codes of conduct and ethics:

Code of conduct listed in Recovery of Loans and Advances of the Code of Banking Practice
Quarterly circulars about Debt Collection Agents Employed by Authorized Institutions

Code of Practice on Consumer Credit Data and other guidelines on  personal data

Debt Collection Guidelines for Licensed Corporations

Code of practice issued in Circular “Using Debt-Collection Companies”

Member since 2000

Guidance Note on Outsourcing Debt Collection

Member since 2010

Accredited in 2010

Member since 2019

Internal Auditor since 2010

Professional Team
Professional Team

Professional Team

Our team comprises ex-bankers, professional consultants, specialist advisers, data analysts and experienced mediators. To ensure a high standard for our ARM services, we have been recruiting university graduates to join our mediation team.

We have well-trained staff, guided by detailed processes and policies, to protect the interests of our clients and their customers. We forbid our staff to engage in unethical or intimidating practices.

We conduct stringent background checks on all new recruits, and on serving staff on an annual basis to ensure high staff integrity.

Client Engagement
Client Engagement



We devote resources and efforts to research and development, and the implementation of latest management practices to increase our operational efficiency and effectiveness.

To provide the best ARM services using the latest technology, we keep on investing heavily in hardware and software development. Our work is fully computerised and digitalised.

We are equipped with:

  • In-house Developed Enterprise Resource Planning System (ERP)
  • Business Intelligence integrated in ERP
  • Digital Phone System
  • Digital Voice Recorders
  • Document Management System (DMS)
  • Network Security System
  • Secured Email System
  • Secured Data Backup System
  • Predictive Dialing System
  • Web Portal
  • Big Data Analysis System
  • Android-based Fieldwork Mobile System

Technology Partners

Collection Score, Action Plan Optimization


Contact Centre Solution

Big Data Analysis



We have a sharp focus on data security and protection. We have adopted a system of Information Security accredited by ISO 27001 in 2010.

Awards and CSR

Awards and Recognition

We are thankful to our clients for always supporting us. It is an honour to have received strong recognition and industry awards that acknowledge the quality of our services and our ceaseless efforts in providing financial solutions to our customers. We will remain dedicated to upholding a high standard of performance enabling us to meet the evolving needs of our customers.

Hong Kong Economic Journal
Financial Services Awards of Excellence 2020

Institute of Financial Technologists of Asia
IFTA Fintech Achievement Award 2019

Corporate Social Responsibility (CSR)

As a strong believer in CSR, BIBO has great passion for serving the community and has since 2005 promoted family-friendly measures.

On top of caring for our society and the environment, we value our employees. We hire people with disabilities in hopes of fostering social integration of the physically handicapped and the able-bodied. We have set up a volunteer team as part of our support to meaningful social causes.

Our CSR programmes have gained external appreciation and won various awards from multiple organisations.

Hong Kong Council of Social Service
15 Years+ Caring Company 2008-2023

Hong Kong Joint Council for People with Disabilities, Hong Kong Council of Social Service, Labour and Welfare Bureau and District Councils in Hong Kong
18 Districts Caring Employers Award for 10 consecutive years 2008-2017

Family Council
Family-Friendly Employers Award 2013-2018

Labour Department
Signatory of the Good Employer Charter and Family-friendly Good Employer 2020

Mandatory Provident Fund Schemes Authority
Good MPF Employer 2019-2023

Business Environment Council Limited and
The Hongkong and Shanghai Banking Corporation Limited
HSBC Living Business Award 2010, 2012-2016, 2018-2021

The Mirror Magazine
Corporate Social Responsibility Award 2014-2022

Promoting Happiness Index Foundation and Hong Kong Productivity Council
5Years+ Happiness at Work Promotional Scheme – Happy Organisation 2016-2023

Labour and Welfare Bureau
Talent-Wise Employment Charter and Inclusive Organisations Recognition Scheme
Partnering Inclusive Organisation 2013-2020

Environmental Campaign Committee and Environment and Ecology Bureau
HKGOC – Energywi$e Certificate 2020-2024 and Wastewi$e Certificate 2020-2023

Environmental Campaign Committee and Environment and Ecology Bureau
Hong Kong Green Organization 2022-2024

Hong Kong Council on Smoking and Health
Hong Kong Smoke-free Leading Company Awards 2011, 2013, 2016, 2019

The Lok Sin Tong Benevolent Society Kowloon
Smoke-Free Company Logo 2013-2016

Navigator Life Planning and Development Company Limited
2018-19 躍動領航計劃支持及嘉許

Employee Benefits and Family-Friendly Policies

BIBO Limited has continually improved our employees’ well-being and implemented several family-friendly policies in the past years. We aim at providing comprehensive benefits and ideal working conditions for our employees. We also encourage a family-motivated culture and working environment, to enhance work-life balance among employees.

We believe that these measures and practices can raise a sense of belonging and morale, in order to achieve a win-win situation for the company and employees.

Employee Benefits


  • Annual Leave (beyond statutory requirements)
  • Birthday Leave
  • Family Care Leave
  • Marriage Leave
  • Paternity Leave (beyond statutory requirements)
  • Examination Leave
  • Funeral Leave
  • Volunteer Leave
  • Jury Leave
  • Festival Leave
  • Overtime Compensation Leave

Bonus and Allowances:

  • Monthly Performance Bonus
  • Year-end Bonus
  • New Staff Referral Bonus
  • Employee Medical Insurance
  • Family Medical Allowance
  • Training Education Allowance
  • Children Education Allowance

Employee Relations Activities:

  • Open Day
  • Annual Dinner
  • Birthday Party
  • Festival Celebration Dinner / Party
  • Talks and Seminars (e.g.: Health, Financial Management etc.)
  • Charitable / Volunteer Activities
  • Employee Gathering Activities (e.g.: Barbecue, Holiday Camp Activities etc.)

Family-Friendly Initiatives:

  • 5-Day Work Week
  • Flexible Working Hours
  • Flexi-rostering
  • Job Sharing
  • No Maximum Retirement Age
  • MPF Voluntary Contributions
  • Breastfeeding-friendly Policy
  • Family Medical Allowance
  • Children Education Allowance
  • Family Recreational Activities
  • Family Care Leave
  • Marriage Leave
  • Paternity Leave (beyond statutory requirements)
  • Funeral Leave


  • Festival / Special Day Gifts
  • Setting of Automated External Defibrillator (AED)