DirectID Insights.

A visual dashboard that quickly allows any business to start viewing, understanding, and using bank data for lending decisions.

Consumer Financial Data from DirectID Insights, on Notebook

Start using bank data without a big IT project.

1. Zero-integration solutions

Use our fully-hosted web page to connect with your customers, or plug in our widget. Then connect with the Insights dashboard to start instantly viewing customer bank data. 

2. Instant visual reports

In seconds our categorisation engine and reporting services analyse your customers data and generate incredible visual reports that allow you to truly understand an applicant.

3. Data security handled

Take the stress out of handling customer bank data. DirectID Insights handles data consent, transfer, access and connections for you so you can focus on your business goals.

Simple reports. Easy Decisions. Incredible benefits.

Get more insights with 10+ reports.

Our summary report quickly provides everything you need to assess a customer at a glance. But if you want to delve a little deeper we have reports covering everything from income vs. outgoing assessments, through to gambling insights.

Consumer Financial Data via DirectID Insights, customer financial summary displayed on notebook.
Consumer Financial Data via DirectID Insights, customer outgoings displayed on notebook.

Offer faster end-to-end applications.

Customers can connect their data in seconds, and we’ll analyse their transactions and build reports for you just as quickly. With all of this taken care of you can receive an application and assess it in minutes, providing faster end-to-end application times for your customers.

Drive down operational costs.

Connect to customer bank data and analyse their transactions in seconds allowing; operational teams to spend less time on the phone to customers, assessors to spend less time analysing documents, and credit risk officers to spend less time investigating potential fraud.

Hosted Page for Consumer Financial Data Insights. Lloyd's bank, Halifax bank, Natwest bank, Barclays bank, Santander Bank, Nationwide building society, BOS, HSBC logos featured.
Consumer Financial Data via DirectID Insights, customer outgoings displayed on notebook.

Reduce fraud and stay compliant.

DirectID removes potential statement tampering by connecting to bank data directly. You can also view loan repayments and gambling risks in seconds, assess customers with thin or marginal credit files, and make more informed decisions to lower your risk.

Designed to give you better consumer insights.

12 Months Data.

Access up to 365 days of transaction history to get a full view of a customer’s financial history.

Deposits vs Outgoings.

Understand cash flow with reports comparing  incoming and outgoing transactions.

End of Day Balance.

Easily view spending behaviour through each month with end of day balances.

Gambling and Loan Servicing.

Identify gambling spend and existing loan servicing in an instant.

Standing Orders and Direct Debits.

Quickly understand applicant monthly financial commitments.

Transaction Explorer.

Easily delve into customer transaction history with our advanced Data Explorer.

How can DirectID Insights help your business?

Overhaul your manual lending decision processes.

Transform your lending exceptions processes.

Provide a complete assessment solution for Underwriters.

Benefit from advanced lending
due-diligence.

Understand the value of bank data before integrating with APIs.

Provide enhanced financial aid or inclusions services.

How the DirectID Insights works.

Example of DirectID Insights used for loan applications.

1) Applicant gives their consent via our widget

The applicant gives consent by accepting the terms through the consent stage of the Connect Widget. This is then stored for the business through DirectID’s consent service.

2) Applicant shares their bank data via our widget

The applicant shares their bank data through the Connect Widget by: selecting their bank provider; logging into their bank; and then authorising their bank to share their data.

2) Applicant shares their bank data via widget

The applicant shares their bank data through the DirectID bank widget by: selecting their bank provider; and providing authorisation to their bank data.

3) Business receives bank data through DirectID Insights

The bank data is passed through our categorisation and classification engine into a database. The Insights dashboard then pulls from this database, allowing businesses to access reports on the customer’s finances.

3) Business receives bank data through dashboard

The DirectID Dashboard pulls from this read-only data from the bank, allowing businesses to access and review the consumers bank data.

4) Business assesses the applicant

The business can then utilise this consumer financial data and apply their own decisioning models to assess the applicant such as KYC/AML, Income Verification & Affordability.

5) Business makes a decision

Based on the assessment, the business can then accept or reject the applicant. The business can then notify the applicant on the outcome.

How can your business start using DirectID Insights?

Step 1: Embed Our Widget.

Embed our widget and start instantly requesting your customers to connect. 

Step 2: View via Dashboard.

Sync with your dashboard to view categorised transaction results and customer analysis.

That’s it!

Want to see DirectID Insights live in action?

We’d love to show you our DirectID Insights product live and talk you through how your business could benefit from it today. If you’re interested then Book A Demo today and our team will be in touch ASAP.

Designed with our customers to include everything you need.

We tackle analysing income and spend, categorising cash-flow habits, detecting gambling or loan stacking and present it to you to make a decision with.

 

SEE OUR PRODUCT SPECIFICATION SHEET FOR MORE DETAILS

DirectID Digital Statements.

Statements that mirror the same info covered in a traditional bank statement.

Bank account details.

Customer Account Number; Sort Code; and Account Currency details.

Filterable data.

Adjust time periods, sources and categorisations of all views.

End Of Day balances.

End of Day Balance for each day within a transactions period.

Individual transaction details.

Detailed information on up to 12 months of account transactions are available.

Recurring incomes.

Top 3 recurring income items per month over the period with descriptions.

Income and balances.

Total income alongside Current and Available Balance.

Standing orders and Direct Debits.

All current Standing Orders and Direct Debits.

Categorised and classified transactions.

Automated transaction analysis customers habits. Read more

Recurring expenses.

Top 3 recurring expense items per month over the period with descriptions.

Credit & debit details.

Total value of credits and debits for a transactions period.

Gambling insights.

Total value, frequency and percentage of expenses on gambling.

Data explorer and CSV downloads.

A data explorer for detailed transaction investigation and supporting full CSV downloads.

Want more information on DirectID Insights?

Start benefiting from bank data today.

DirectID Insights Logo, powered by Consumer Financial Data

Grab one of our other products to understand even more about your customer’s data.

Income verification.

We’re excited to enable any business to take advantage of the most advanced income verification model on the market.

Read more

 

Bank account validation.

Start using the incredible power of bank data to avoid impostors and reduce fraud by quickly and easily validating bank accounts.

Read more

DirectID Customer Success Team

Talk to us today and you could be using live bank data in less than a week.

When you signup for one of our services, we don’t just set you up and walk away. Our dedicated customer success team will work with you to make sure you get the most from our products.