Income verification

Credit & risk insight

Understand income in real-time

The income verification tool gives you all the information you need to verify how much your customers earn every month.

We'll provide a confidence score and a view on your customer’s income streams, whether it’s salaried wages, freelance earnings or benefits.

Fast

Income verification is optimised for a seamless service, so income data is returned in under a second.

Real-time

View your customers income in real-time with the ability to refresh, giving you the most up-to-date data.

Reduce costs

Remove the need to build internal data science teams or manually assess using PDFs and statements.

Reduce risk

Quickly access all the data on income you need to make an informed credit & risk decision.

Fast

Income verification is optimised for a seamless service, so income data is returned in under a second.

Real-time

View your customers income in real-time with the ability to refresh, giving you the most up-to-date data.

Reduce costs

Remove the need to build internal data science teams or manually assess using PDFs and statements.

Reduce risk

Quickly access all the data on income you need to make an informed credit & risk decision.

Calculate income

We provide a calculated income figure for each customer, using a unique set of algorithms, so you can quickly verify how much your customer earns.

Confidence score

We deliver a confidence score  to support our calculated income figure based on the variance and stability of the customer's earnings.

Income streams

Get visibility of your customer’s income across all income streams, whether it’s salaried wages, freelance earnings or benefits.

Income filtering

Our filtering tools allow you to easily view scores for each income stream and determine which are appropriate for income verification.

365 days of data

Get a comprehensive view on your customer's income with access to data from the previous 365 days, with the ability to refresh for a further 90 days.

Benefits & support

View income from benefits & support payments alongside other income sources. Select the income streams that are in line with your risk appetite.

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