Specialists insights for credit & risk decision makers

Providing you with intelligent data to confidently assess affordability, income, cashflow, emerging financial distress, and more.

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Solutions for credit risk decisions

Affordability

Assess how much your customer can afford to repay. Use enriched data to identify income, and fixed vs flexible spend.

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Affordability

Assess how much your customer can afford to repay. Use enriched data to identify income, and fixed vs flexible spend.

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Income verification

Verify your customer's income across all income streams, whether it's salaried wages, freelance earnings or benefits.

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Categorisation & classification

Cut through the noise of a bank statement and understand how and where your customers spend their money.

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Emerging financial distress

Identify emerging financial distress to enable early intervention before your customer defaults.

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SME financial health

See the balance trend of an SME’s accounts with a view on income, stability and fluctuations. View the money a business earns, spends and saves on a regular basis.

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What our customers say

Customer stories

DirectID began working with Target at the beginning of 2020 to provide open banking data for their new Mortgage Hub. It is the first digital mortgage platform to be designed from the ground up, and the first to use open banking data as the backbone for customer experience.

Shieldpay

Multi-award winning payment platform

DirectID began working with Target at the beginning of 2020 to provide open banking data for their new Mortgage Hub. It is the first digital mortgage platform to be designed from the ground up, and the first to use open banking data as the backbone for customer experience.

Global vehicle manufacturer

Automotive financing

DirectID began working with Target at the beginning of 2020 to provide open banking data for their new Mortgage Hub. It is the first digital mortgage platform to be designed from the ground up, and the first to use open banking data as the backbone for customer experience.

Target Group

A leading business services provider in lending, investments and insurance, managing over £25bn+ assets

DirectID began working with Target at the beginning of 2020 to provide open banking data for their new Mortgage Hub. It is the first digital mortgage platform to be designed from the ground up, and the first to use open banking data as the backbone for customer experience.

Best Egg

Consumer-lending platform developed by Marlette

DirectID began working with Target at the beginning of 2020 to provide open banking data for their new Mortgage Hub. It is the first digital mortgage platform to be designed from the ground up, and the first to use open banking data as the backbone for customer experience.

Dana

A lending as a service provider using open banking to strengthen their credit scoring engine

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Our platform

The DirectID platform gives you all the tools you need to capture consent, access transaction data and view detailed insights on your customer's financial behaviours.

Connect

A guided user-interface to capture consent, verify and connect to bank accounts, and share transaction data.

Data APIs

The pipelines for transferring and accessing normalised bank data, from your customer's bank account into any platform.

Dashboard

An accurate, real-time view of your customer's financial data, enriched with intelligent credit & risk insights.

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Better-informed decisions across the credit & risk lifecycle

Use cases

Risk modelling

Use open banking data in a standalone or hybrid predictive model that brings together multiple data sources. Significantly uplift predictive models with comprehensive and dynamic data.

Origination & onboarding

Reduce manual interactions for quicker decisioning. Optimise your credit risk processes using transaction data.

Credit risk decisioning

Understand your customer's affordability and creditworthiness in real-time. Embed consumer transaction into your predictive model.

Portfolio management

Track cashflow changes across your portfolio to identify trends and drive lifetime value.

Collections & recoveries

Get insights on affordability, income, cashflow and more, to empower your collections teams and optimise the recovery process.

Get started using open banking data

Talk with one of our specialists to find out more about using open banking data.

  • Demo of the guided customer consent journey

  • Walk through of our real-time data & insights

  • Coverage check in your markets