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analytics about our visitors. If you select 'Accept' these cookies will be used
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Platform


CREDIT RISK, REDEFINED.

Explore our Platform, use each component individually to create better
experiences for your customers, or completely transform your business Credit
Risk Lifecycle by using them all together.

Explore our Platform


OUR PLATFORM

Connect
Redefine your Credit Risk Lifecycle

Data API
Connect to your Customers Bank Data

Bank Account Verification
‍Counter Fraud. Reduce Credit Risk

Dashboard
Visualised Data Driven Decisions

Insights


DATA DRIVEN INSIGHTS

Explore our Insights below and find out more about how DirectID utilises bank
data to enhance the Credit Risk Lifecycle.

Explore our Insights


OUR INSIGHTS

Affordability Engine
Make more informed, real-time affordability
decisions with any data source

Categorisation & Classification Engine
Categorise your customer's spending

Emerging Financial Distress
Identify credit risk scenarios before they happen

Income Verification Engine
Verify income with real-time visibility

Use Cases


POWERFUL USE CASES

We work with businesses across a variety of sectors helping them derive powerful
insights from customer bank data in seconds.

Explore our Use Cases

Credit Risk
Faster, more efficient decision making

Affordability
Reduce fraud and inaccuracies

Income Verification
Understand your customers

Categorisation
Enriched customer transaction data

Collections & Recoveries
Streamline your collections process

Bank Account Verification
Remove the risk of fraud

ID Verification
Instant Verification within seconds

Fraud
Mitigate against fraud with bank data

Market Insights
Drive meaningful insights from data sets

Resources


USEFUL RESOURCES

Open Banking may be new, but we're not. Our experts are at the forefront of this
revolution in banking, connecting to and aggregating global bank data
connections for years.


Explore our Resources

Bank Data Coverage
13,000 Bank Connections across 65 Countries

Open Sandbox Functionality
Download the document

Our Knowledgebase
Find your way around our Platform

Frequently Asked Questions
Explore our FAQ's

Customer Stories
‍Read what our customers have to say

Webinars
Insightful content updated monthly

Blog
Thought Leadership from Industry Experts

Downloadable Documents
Explore our Product Sheets and eBooks

Company


LEADING THE BANK DATA REVOLUTION

We’re on a mission to enable our customers across the globe to effortlessly make
use of bank data to; better understand their customers, grow their business,
revolutionise their offerings, and transform customer experience.


Find out more about DirectID

About DirectID
A Truly Global FinTech

Our Clan
Meet the clan leading the Bank Data Revolution

Careers
Build the Future of Finance

Latest News
The latest in Finance & FinTech

Contact Us
Get in touch with our team today

Book a Demo
Speak with a dedicated expert today

Developer Docs





CREDIT RISK, REDEFINED.

We provide global credit risk insights that leverage real-time bank data to
support the world's leading brands.

Schedule a call

FCA Authorised, ICO Registered

DirectID is brought to you by The ID Co., a registered and authorised Account
Information Service Provider by the FCA. Our AISP registration number is 798579.

We're commited to protecting your data, our ICO number is ZA384596.




LATEST NEWS

More articles

FINTECH’S JOIN FORCES TO COMBAT CLIMATE CHANGE

DirectID and Doconomy to bring leading climate functionality to a wider
audience.

Read this article


REDEFINING THE FULL CREDIT RISK LIFECYCLE

Our platform leverages Open Finance and bank statement data to help you
understand your customers throughout the credit risk lifecycle, from onboarding
through to collections & recoveries.





PARTNERING WITH THE WORLDS BIGGEST BRANDS

DirectID powers some of the worlds biggest brands from banking, consumer and SME
lending through to the gig economy, gambling and others.




+45%


INCREASE IN
LOANS WRITTEN

Make better, faster and more confident decisions with DirectID.


-7.5%


FRAUD
REDUCTION

Significantly reduce fraud with direct Open Banking account verification.


<5 MINUTES


LENDING DECISIONS

Reducing the underwriting process from hours to minutes.


MAKE BETTER DECISIONS THROUGHOUT THE CREDIT RISK LIFECYCLE

Our platform and insights are designed to solve the universal pain points
experienced throughout the credit risk lifecycle. We support global B2C and B2B
lenders with powerful insights to facilitate better, faster and more confident
credit risk decisions.


ONBOARDING

Make confident credit risk decisions in a fraction of the time. Reduce your
application-to-loan time from days to minutes with direct Open Banking
connections and insights.

Connect
Bank Account Verification
Income Verification Engine



PORTFOLIO MANAGEMENT

Track cashflow and affordability changes across your portfolio to identify
emerging financial distress and reduce the flow of customers to collections.

Emerging Financial Distress Engine
Bank Account Verification
Categorisation & Classification Engine



COLLECTIONS & RECOVERIES

Bespoke insights on affordability, income verification, cashflow and more, to
streamline collections and provide an enhanced customer journey.

Affordability Engine
Income Verification Engine
Categorisation & Classification Engine




DELIVERING VALUE FOR OUR CUSTOMERS


BANK ACCOUNT VERIFICATION

Verify that the account you are paying money to is owned by the person you are
talking to.


KYC/KYB/AML

Use Open Banking to confidently satisfy KYC / KYB / AML requirements.


SUSTAINABLE FINANCE

Help your customers tackle climate change with our sustainable finance index.

Explore our use cases


POWERFUL INSIGHTS WITH DATA FROM OUR PLATFORM OR YOURS


PLATFORM

Everything you need to get started with Open Banking - even with zero
integration. Onboard your customers in as little as thirty seconds.

Connect

Connect to your customers' account in 30 seconds.

Data API

A single API connected to 1.5bn+ accounts.

Bank Account Verification

Verify account ownership in seconds.

Dashboard

Instantly view up to 12 months of transactions.


INSIGHTS ENGINES

Whether you use our platform, or plug your own data source in, our insight
engines give you the power to make faster and more confident decisions.

Affordability Engine

Calculate your customers' affordability.

Income Verification Engine

Verify income with real-time visibility.

Categorisation & Classification Engine

Categorise your customers' transactions.

Emerging Financial Distress

Identify financial distress in your portfolio before it happens.

Explore our platformExplore all our insights


OPENING UP A WORLD OF OPPORTUNITY

We have over 13,000+ business and consumer bank connections across the globe.
With access to 1.5bn potential users in over 45+ countries, partnering with
DirectID gives you a robust foundation for international growth and scale.


13,000+

Bank connections


45+

Available countries


1.5BN+

Potential users


Explore our bank data coverage


WANT TO LEARN MORE?


TRANSFORMING THE COLLECTIONS PROCESS FOR UTILITIES PROVIDERS

DirectID

With a myriad of external forces that have left household incomes squeezed, the
likelihood of delinquency is at an all-time high...

Read this article


DIRECTID HIRES FIRST CHIEF COMMERCIAL OFFICER IN GLOBAL GROWTH PUSH

DirectID

Clare McCaffery joins the DirectID Clan as CCO, bringing 20+ years of commercial
strategy experience across data analytics and credit risk...

Read this article


FINTECH PARTNERSHIP BRINGS OPEN BANKING TO CREDIT UNIONS

Liam Thomson

Constant and DirectID Partner to Enhance Digital Loan Servicing for Banks and
Credit Unions with Open Banking...

Read this article
View More Articles
More articles


GET YOUR FREE
PLATFORM DEMO

Let our specialist team demonstrate our DirectID platform. We'll cover
everything from Compliance and Insights to Solutions & Use Cases.




Product sheets

Connect
Data API
Insights
Income Verification
Bank Account Verification
Categorisation Engine


Useful links
‍
Digital Bank Statements
Why We're Different
Innovation in Finance
Affordability eBook
Bank Data Suite Demo
Operational Efficiency

Resources

Bank Data Coverage
Knowledge Base
Frequently Asked Questions
Open Sandbox Doc
‍Webinars
Blogs
‍

Company
‍
About
‍Our Team
Careers
Latest News
Contact

All Rights Reserved © 2021 The IDCO. Ltd • Policies

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Company registered in Scotland SC400459 • DirectID is brought to you by The
ID Co., a registered and authorised Account Information Service Provider by the
FCA • AISP registration number 798579 • We're committed to protecting your data,
our ICO number is ZA384596