Categorisation & classification

Credit & risk insight

Cut through the noise of a bank statement

Build an informed picture of your customers spending by understanding how and where your customers spend their money.

Our models are tailored for credit & risk, and are trained to identify lending & repayment categories and potential risk expenditure.

Enriched transactions for credit & risk

Accurate categorisation

With up to 95% accuracy, we know credit & risk categories like no one else.

Expanding reach

We consistently add new countries to our global reach. We're training our models in new markets daily.

300m+ transactions

We've built a market-leading categorisation model on a data set of over 300m transactions.

Identify expenditure

With our engine, you can truly understand how and where your customer spends their money.

Accurate categorisation

With up to 95% accuracy, we know credit & risk categories like no one else.

Expanding reach

We consistently add new countries to our global reach. We're training our models in new markets daily.

300m+ transactions

We've built a market-leading categorisation model on a data set of over 300m transactions.

Identify expenditure

With our engine, you can truly understand how and where your customer spends their money.

80 categories

We categorise transaction data in to >80 categories that show you where a customer spends money, for example on rent, leisure, gambling etc.

11 classes

Payments are classified into 11 different classes that tell you how a customer spends their money, for example ATM, POS, recurring payments etc.

Credit & risk optimisation

We hold an average confidence score of over 90% when identifying debt management, gambling, and other key categories such as credit card spend.

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.

Continual updates

We've trained our models to be the best on the market for credit & risk decision makers - with a continuously updating supervised machine learning model.

Expanding global reach

Our global reach spans across over 40+ countries totalling to over 13,000+ bank connections. We're training our models to categorise in new markets every day.

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