OPEN BANKING SOLUTIONS FOR YOUR BUSINESS.
Direct from your customer’s online bank account to you. 

bank data sources we use.

We are authorised as an Account Information Service Provider (AISP) by the Financial Conduct Authority in the UK (license number 798579). Our tools support both Open Banking and Financial Aggregation methods for accessing bank data.

Banks supported

Countries Supported

customer ON-BOARDING tools we offer.

A safe and secure method to on-board customers is required for any business wishing to utilise online bank data. DirectID offers a range of tools suited to match any technological capability of a business.

Plug & Play Bank Widget

Easily plugs into an online application process to provide a seamless user journey:

  • Allows businesses to insert the widget in their existing process
  • Fast connection time averaging 25 seconds to reduce drop out
  • Fully customisable
  • Fully responsive for desktop and mobile applications
  • Custom Error Handling
  • Compatible with 3rd party decision engines
  • Compatible with Native Application Development

Hosted Page

A fully customised hosted website which comes pre-packed with the Plug and Play Bank Widget:

  • Ideal for businesses with little or no resources available to integrate DirectID directly into their process
  • Complete customisation for branding and messaging.
  • Ability to utilise an existing domain name to provide a smooth customer experience
  • Fast connection time averaging 25 seconds to reduce drop out
  • Fully responsive for desktop and mobile applications
  • Allows businesses to redirect their customers to this page

Front-end API

Allows businesses with the technological resources to build their own bank widget:

  • Ability for businesses to rewrite bank forms to capture the required information in the way that makes most sense for the business
  • Easy developer documentation
  • Compatible with 3rd party decision engines
  • Compatible with Native Application Development
“The DirectID widget is awesome, very user friendly and easy to implement as well! A basic setup can easily be done in under a day.” Yannick Donkers

Head of Development, xpenditure

data management tools we offer.

Once a business has on-boarded their customer, DirectID offers the tools to supply that customer online bank data back to the business.

Dashboard

Perfect for operational teams and call centres the Dashboard provides one place to manage customer on-boarding, assessments, and verifications:

  • Verified Identity and account summaries to assess validity of account holder and activity at a glance
  • Transaction-level Digital Bank Statements to understand the customer’s real time financial position
  • Download reports in PDF or XLS format for additional interrogation and due diligence
  • Send, track and manage email verification requests for customers in real-time
  • Performance Analytics for conversion rates, most popular banks and total verifications across your customer base
  • Access the knowledge base and submit support tickets

Data API

A native data API that effortlessly accesses and interrogates multiple customer data sources:

  • High performing RESTful architecture returning data in standard JSON and XML formats
  • Get an instant view of income and expenditure for affordability assessment
  • Optimise repayment plans to increase collection rates
  • Make faster collections by identifying multiple payment windows
  • Increase operational efficiency by reducing interview call time
  • Demonstrate a fair collections policy for your customers
  • Easily integrates to decision engines and CRM software
“DirectID gives us data in a format that allows us to close loans in as little as 48 hours so we can spend more time on the personal relationship side with clients.” Faisel Rahmen

CEO, Fair Finance

Problems we can help solve.

DirectID is a plug and play identity and bank data service that helps businesses make smarter affordability assessments, increase operational efficiency, boost conversion and reduce fraud.

Income Verification

Our tools help you reduce the need for manual income verification and its related delays in the customer journey:

  • Instant view of income and expenditure for affordability assessments
  • Enhanced customer experience
  • Make faster collections by identifying multiple payment windows

Affordability

Our tools support instant decisioning and can help speed up the manual underwriting processes:

  • Grow the customer base profitably
  • Meet responsible lending requirements
  • Reduce loss rates and conduct sound risk mitigation
  • Reduce fraud and misrepresentation

Transaction Data

Increase operational efficiency by 60% with instant access to Digital Bank Statements:

  • Remove offline processes for consumers
  • Boost data analysis efficiency
  • Streamline manual underwriting processes
  • Speed up decision times
  • See ongoing bank data to view a consumer’s financial state in real-time.

Credit Risk

DirectID supports a full online AML compliance and KYC verification process:

  • Grow your customer base profitably
  • Meet responsible lending requirements
  • Reduce loss rates and conduct sound risk mitigation
  • Reduce fraud and misrepresentation

“Bank statements don’t lie. With DirectID, the credit decision and ID is immediate and obvious.”

Lee Birkett

CEO, JustUs

Our customers.

book a demo and test drive our service today.

See how real-time bank verification and financial data from DirectID can help your business improve underwriting accuracy and increase operational efficiency.