Performance Software for Lending Clarity

A global, trusted partner to the world’s leading banks, DirectID utilises bank data to enhance the credit risk lifecycle


The current process of affordability assessments is long, inaccurate, and allows for a high chance of human error.

With real-time bank data you can receive applications automatically analysed with in-depth insights.​

Learn about our Affordability solutions


Verifying consumer identity and where payments should be made to reduce fraudsters and traffickers.​

Direct bank data gives you insight into locality of spending and can ensure applicants and accounts match​.

Learn about our Identity solutions

Data-Driven Risk Reduction

Connect to your customer's data with zero integration and instant insights.

Download our presentation (PDF)


Collection of paper bank statements and validating customer asserted data adds days to a customer journey.​

Using bank data you can verify asserted income and gather bank transactions with instant analysis in seconds.​

Learn about Onboarding solutions


Identifying consumer affordability, and having long calls with consumers in debt, can cause a range of challenges.​

Connecting quickly and directly to bank data reduces mis-representation of affordability and shortens calls.

Learn about our Collections solutions

“DirectID 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

A Case Study In Affordability

In this article, we examine the downfall of a company once valued at $1 billion, ask what role financial authorities played in their introduction of affordability regulations, and consider the future of the lending market.

Read this article

Credit Risk

Credit Risk management is a difficult process through traditional analysis of paper bank statements.​

Bank data provided through an API can be instantly categorised with key risks highlighted in seconds.​

Learn about Credit Risk solutions

Operational Efficiency

Time spent by ops teams on the phone, assessors on analysing documents, & CROs investigating fraud.​

Connect directly to customer bank data and analyse their transactions in seconds whilst reducing fraud.​

Learn about Operational Efficiency solutions

Supplement your
CRA Implementation

Connect to your customer's data with zero integration and instant insights.

Speak to a dedicated expert.