Categorisation & classification
Categorisation & classification engine
Credit & risk insight
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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.
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.
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