Credit risk decisioning

Make smarter credit risk decisions with open banking.

Empower your risk managers with the most accurate data available

From assessing an individual’s affordability to predicting negative trends in cashflow, open banking data gives risk managers the power to optimise credit risk decisions.

Reduced default rates

The most accurate, forward-looking data leads to lower default rates for your portfolio team.

Emerging financial distress

Track EOD balances and receive early warning signs that may result in financial difficulties.

Overcoming thin files

Open banking data connections highlight every transaction, so you can better assess customers with limited or thin files.

Real-time insights

Access to up-to-date financial data allows for timely credit risk decision-making.

Personalised credit offerings

With accurate insights offers can be personalised to an individual’s financial profiles.

Reduced default rates

The most accurate, forward-looking data leads to lower default rates for your portfolio team.

Emerging financial distress

Track EOD balances and receive early warning signs that may result in financial difficulties.

Overcoming thin files

Open banking data connections highlight every transaction, so you can better assess customers with limited or thin files.

Real-time insights

Access to up-to-date financial data allows for timely credit risk decision-making.

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