Data APIs

Credit & risk insight

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

Real-time, normalised data

Our unified Data APIs transfer account holder information and transaction data from your customer’s bank, to you.

No matter where your data comes from, our Data API normalises and enriches the data we receive from financial institutions, saving you time and effort spent building and maintaining multiple integrations.

Enriched data

Within seconds of a consent you can view account holder name, their account type, alongside balances and enriched transactions.

Secure

Open API's are highly regulated and secure. Our APIs are built on bank grade security that are compliant with the UK FCA and international standards.

13,000+ banks

Our data APIs provide a normalised single point of integration that supports over 13,000+ bank connections in over 45+ countries.

Stored data

When a customer consents to share their data, we can store the received data for you, you can also decide when to refresh or delete data.

Accurate data

Open banking data comes directly from banks and financial institutions. The data is real-time, accurate, and impactful when making credit & risk decisions.

Categories & classes

Our enrichment process categorises data into over 80 categories and 11 classes so you can understand how and where your customer spends their money.

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.

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.

Browse our platform

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.

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