Credit risk, redefined.

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

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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.

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Increase in
loans written

Make better, faster and more confident decisions with DirectID.



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.


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.

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
Portfolio Management

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
Collections & Recoveries

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.

Explore our bank data coverage

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.

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