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Open Banking Data API.

A single API for you, providing you access to UK Challenger banks and the entire CMA9.

Bank Data API.

A single API for you, providing you access to over 5,500 banks in 32 countries.

Our Single API + Bank Data Widget = Instant and Unlimited Potential.

With DirectID you can request consumer data through our industry leading DirectID Widget – and then consume that data instantly via our single API. No need to integrate with multiple banks, no need to build your own bank access widget, just plug in and play!

Increase operational efficiency

Automate or streamline manual underwriting processes with DirectID’s digital bank statements. Businesses stand to increase operational efficiency by around 60% and reduce approval time from weeks or days to just hours.

 

Meet regulatory requirements

Tools that support Open Banking to meet responsible lending requirements by offsetting credit risk such as compliance, fraud and regulation.

 

Provide painless onboarding

Reduce dropout and increase retention by removing demands on the customer to provide documents like bank statements and pay-stubs. Customer information is returned in seconds, through a direct, read-only connection to the customer’s online bank account.

 

Implement in days

A range of tools suited to match any technological capability of a business. Businesses can get up and running with DirectID within a couple of days.

 

Access rich data insights

Directly access rich transactional data to address income verification, affordability, credit risk. DirectID also offers over 100 transaction categories and transaction classes to enrich data further.

 

Customise with ease

DirectID’s tools are fully customisable and can be easily made to look and feel as part of the existing business branding and process. The result is improved user-experience and increased overall customer conversion rates.

 

Data and products that serve all sectors.

For Small and Large Lenders

Swift access to bank data. Meet responsible lending requirements. All the data you need to make quick lending decisions.

For Financial Institutions

Get ready for Open Banking and PSD2 with our DirectID solutions. Understand the key benefits and opportunities with bank software solutions.

For Gaming Institutions

Maintain regulatory standards. Strengthen your registration requirements. Assess affordability, quickly detect AML and fraudulent activities.

For FinTechs and others

Real time bank statement data, direct from the bank. Gain real-time financial data and insights with our DirectID tools.

How the DirectID Platform works.

1) Applicant gives their consent via widget

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

2) Applicant shares their bank data via widget

The applicant shares their bank data through the DirectID bank 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 via API

The business can receive the shared bank data through the DirectID Open Banking Data API. This data can be used to power instant decisioning engines, PFMs, risk assessment models and more.

3) Business receives bank data via API

The business can receive the bank data through the DirectID Bank Data API. This data can be used to power instant decisioning engines, PFMs, risk assessment models and more.

Get everything you need to transform your assessments and customer onboarding.

Access bank data in 32 countries, from over 5,500 banks, so you can serve customers both locally and across the world.

Access and consume data with ease.

Direct API

Swift access to customer bank data through a single synchronous API. This means one integration, with one API, you can leave the rest to us.

 

Plug & Play Bank Widget

User our widget to sort the front end bank connection.Simply plug into your existing website or app and start getting data instantly. Fully customisable and configurable interface.

 

Hosted Solution

A fast and zero-integration solution using our widget and a prebuilt mobile optimised website. Page is made to match any brand for a seamless customer experience. 

Consent Service

Configurable consent service that stores and timestamps both the terms and accounts users have consented to. Includes ability to validate consent.

 

Up to 12 Months Data

Access 90 to 365 days of bank data for more informed decisions and reduced risk of fraudulent manipulation of customer finances.

 

One Time or Ongoing Access to Data

Businesses can easily choose to access a one-off snap shot of their customers data, or receive ongoing bank data.

 

Breadth of Data Available

Account Details; Balances; Transaction Details; Transaction Credits; Transaction Debits; Transaction Categories; and Transaction Classifications.

 

Categories & Classifications

70+ different business and consumer categories (type of transaction) and 10+ different classes (type of payment).

 

Performance Analytics

Live performance analytics, and conversion funnels, help to continually optimise and improve onboarding of new or existing customers.

Live constant testing in our own PFM

We integrate our Open Banking Data API with our very own PFM, NoMo. This means we test our own product every day and improve it for real world use cases.

Want more information on the DirectID Open Banking Data API?

Want more information on DirectID?

Get started with a level that works for you.

Our plans are designed to flex with your business needs. To get a quote for your unique business requirements get in touch or Book a Demo today.

Get started with a level that works for you.

Our plans are designed to flex with your business needs. To get a quote for your unique business requirements get in touch or Book a Demo today.

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

Lee Birkett

CEO, JustUs

“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

“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

Sign up today and you could be up-and-running in 3 days!*

Talk to us today about using DirectID and you could be increasing conversions, reducing customer frustration, and mitigating risk in less than a week.

*When using Plug & Play Widget or Hosted Page solutions.