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Submitted URL: https://directid.theidco.com/
Effective URL: https://www.direct.id/
Submission: On May 24 via api from QA — Scanned from GB
Effective URL: https://www.direct.id/
Submission: On May 24 via api from QA — Scanned from GB
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Do you accept the use of Cookies? DirectID uses cookies to improve and customize your experience, and for analytics about our visitors. If you select 'Accept' these cookies will be used to collect information about how you interact with our website and allow us to remember you. If you select 'No thanks' we will not track you but a single cookie will be stored in your browser to remember your preference. If you would like to know more see our Privacy Policy. Accept cookies No thanks 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. Got an Internet connection? Pop in your Email details and we'll get in touch. 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 Twitter Linkedin Youtube 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