Categorisation & Classification Engine

Understand how and where your customers are spending their money.

Categorisation for credit risk.

The only categorisation engine built and optimised for credit risk use cases. With up to 90% accuracy in identification of debt management payments, gambling & gaming spend and other key credit risk categories such as credit card spend.

Identify how money was spent with classification.

Giving you a complete view of every type of transaction on a customer's bank statement, whether it be direct debit, point-of-sale, or standard order, you'll have all the information you need to make informed credit decisions.

Available as an API.

Access transaction data through our platform or bring your own source. With our API, you can see how and where your customers spend their money with any data source.

How it works

Whether you use our platform to access customer data, or have your own transaction data source, the Category & Classification Engine helps you understand how your customers spend their money.


Your customer connects their bank account data through DirectID Connect.


Using machine learning & big data analytics, we classify and categorise all raw data transactions.


View our reports to discover how and where your customers spend their money.
Cutting through the noise in bank statements.

80 categories.

We provide 80 categories with their own confidence score, giving you a complete view of your customers finances.

11 classes.

With 11 classes returned, you can quickly gain an informed understanding of how your customers spend their income.

Powerful use cases

Explore our powerful use cases. We provide easy zero-integration solutions with direct access to your customers bank data and instant financial insights into your customers.

Explore our Use Cases

Live Demo, With Experts
To Answer Your Questions

Let our specialist team demonstrate a specific DirectID product you are interested in, or run through our entire product suite with you. Our goal is to help you understand if DirectID is the right fit for your business and offerings.

Speak to a dedicated expert.