Connect

Credit & risk insight

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

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A seamless, low integration interface

Connect is our user-facing widget, where your customers select their bank, and consent to sharing data from their chosen accounts.

The end-user interface can be placed in existing customer journeys or used as a standalone web app.

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30 second journey

Your customers can consent to data sharing, and provide direct data access to their bank transactions, in a 30 second user journey.

Supports 13,000+

We support bank connections in over 45+ counties. By empowering you to connect to 13,000+ banks, you can grow your business and reach more customers.

Modernise UX

With our leading UX design you’ll provide an easy, guided user experience that satisfies your customer and increases conversion.

Standalone web application

Embed the connect button in your existing page or app, or use one of our hosted landing pages and add the link to your existing flow.

Real-time data

Customers consent to share their data directly from banks. The data is real-time, accurate, and easy to view with our suite of insights and tools.

12 months of data

Open banking connections give you access to up to 12 months of transaction data. The customer consents can also be refreshed for a further 90 days.

Use transaction data from any source

Use our engine on your own data

Input transaction data from any source. If you already have a data set, or currently access open banking data, plug in to our income verification engine and we'll return the income data you need to make confident decisions.

We can categorise and classify transaction data from any source. If you already have a data set, or currently access open banking data, plug in you data to our engines and we'll return the categorised transactions.

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Solutions for credit risk decisions

Affordability

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

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Affordability

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

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Income verification

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

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Categorisation & classification

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

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Emerging financial distress

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

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SME financial health

See the balance trend of an SME’s accounts with a view on income, stability and fluctuations. View the money a business earns, spends and saves on a regular basis.

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Our platform

The DirectID platform gives you all the tools you need to capture consent, access transaction data and view detailed insights on your customer's financial behaviours.

Connect

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

Data APIs

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

Dashboard

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

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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