Products

Connect

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

Consent

Capture customer consent for a 90-day period, giving the option to revoke at any time.

Simple integration

Embed in your customer journey or distribute a link request via email, SMS or push notification.

Optimised UX

A seamless interface optimised by data from over 3m end users.

Consent

Capture customer consent for a 90-day period, giving the option to revoke at any time.

Simple integration

Embed in your customer journey or distribute a link request via email, SMS or push notification.

Optimised UX

A seamless interface optimised by data from over 3m end users.

Data APIs

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

Access to normalised and enriched bank statement data that can be integrated into your own systems

Our Data APIs transfer account holder information and enriched transaction data from your customer’s bank, to you. With our APIs, you can access open banking transactions with detailed information on amounts, whether it’s credit/debit, it’s status, and merchant details.

Dashboard

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

View customer insights

View customer insights on affordability, income, predictive cashflow, and more.

View transactions

View up to 12 months of enriched transactions for each of your customers.

Multiple accounts

Quickly toggle between all your customers that have connected their bank accounts.

View customer insights

View customer insights on affordability, income, predictive cashflow, and more.

View transactions

View up to 12 months of enriched transactions for each of your customers.

Multiple accounts

Quickly toggle between all your customers that have connected their bank accounts.

Advanced credit & risk insights

Affordability

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

Affordability

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

Income verification

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

Categorisation & classification

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

Emerging financial distress

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

What our customers say

Testimonials - Fintech X Webflow Template

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

Testimonials - Fintech X Webflow Template

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. Designed for highly secure & efficient transactions. Trusted by over 100 law firms, lenders and professional services.

Testimonials - Fintech X Webflow Template

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 Tech Mahindra company and a leading business services provider in lending, investments and insurance, managing over £25bn+ assets.

Testimonials - Fintech X Webflow Template

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 Holdings, Inc.

Testimonials - Fintech X Webflow Template

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

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

Frequently asked questions

Schedule a call
01

What is open banking and how does it work?

Open banking is the practice that allows people and businesses to share up to 12 months of transaction data. DirectID is regulated by the Financial Conduct Authority as an Account Information Service Provider (AISP) - the intermediary who safely facilitate this process.

02

What is transaction categorisation?

Transaction categorisation is the process of adding context to raw transaction data. The process gives you an understanding of what your customers' spend their money  and where.

03

How does bank account verification work?

Using the bank account verification API, DirectID matches the details provided from your customer to those on their account. We apply a set of sophisticated algorithms and rules to verify the name, and then tell you what does and does not match.

04

How do you verify income with open banking?

After a customer shares their data, DirectID identify recurring credits to the account and group these. Using an algorithm we identify the monthly income for each income stream. We then return the calculated income and confidence score to you.

Speak with one of our specialists