Affordability Engine.

Make more informed, real-time affordability
decisions with any data source.

Powering the world's biggest brands.

Calculated Income

Providing an income figure for each customer, validated by our income verification service.

Fixed/Flexible Costs & Debt Fees

A view of disposable income by identifying discretionary and non-discretionary spending.

Calculated Affordability

A presented figure to how the monthly amount a customer can afford to repay.

Understand a customer's affordability.

Utilise our Income Verification and Categorisation capabilities to quickly calculate a customer's income vs their discretionary or non-discretionary spend.

For underwriters and collections agents.

Understand a customer's repayment potential in seconds by viewing a real-time calculated affordability figure.

Available as an API.

Access transaction data through our platform or bring your own source. With our API, the choice is yours.

How it works

Whether you use our platform to access customer data, or have your own transaction data source, the affordability engine gives you the power to make faster and more confident decisions.
We use our Income Verification solution to identify a customer's income.
Using SFS categorisation, we identify fixed & flexible costs.
An affordability figure is produced with a toggle for fixed/flexible costs.

SFS Categories

Understand an individual's committed spend categorised with the Standard Financial Statement.

Smooth customer journey

With Open Banking, customer's receive a far smoother, less stressful and fully digitised experience.

Real-time affordability

With the ability to refresh customer data for 90 days, you can always have a real-time view on affordability.

Time & resource saving

Remove paper statements and lengthy processes from your underwriting - simply view the data and make a decision.

Powerful use cases

Explore our powerful use cases. We provide easy zero-integration solutions with direct access to your customers bank data and instant financial insights into your customers.

Explore our Use Cases

Live Demo, With Experts
To Answer Your Questions

Let our specialist team demonstrate a specific DirectID product you are interested in, or run through our entire product suite with you. Our goal is to help you understand if DirectID is the right fit for your business and offerings.

Speak to a dedicated expert.