‘DirectID is a global credit risk platform that is redefining the industry for both lenders and their consumers.

By leveraging Open Finance and bank statement data, DirectID help lenders understand their customers throughout the credit risk lifecycle, from onboarding through to collections & recoveries.

Today DirectID powers some of the world’s biggest brands from banking, consumer and SME lending through to the gig economy, gambling and others.

DirectID’s Platform provides global access to bank data through over 13,000+ connections across 65 countries supporting access to over 1.5bn people through one simple integration. The insights provide solutions to common lending questions such as affordability, income verification, expense categorisation, cash flow, emerging financial distress, and more, and are all available directly or through the platform itself.

The business is authorised by the FCA to provide AISP (Account Information Service Provider) services within the UK market.

Visit for more information.’

James founded DirectID in 2011 with a mission to create convenience, offering new products and services for business and consumers alike.

DirectID builds products based on bank data, which helps firms onboard their customers quickly, and gain a fuller understanding of them.

The products DirectID provide solve business pains such as assessing a customer’s affordability, verifying their account information, and offsetting credit risk.

James is active in a number of local and global efforts to help people do more online, including the Fintech Delivery Panel (FDP), FDATA, and Trust In Digital Life (TDL), whose mission is to create a trusted ecosystem that protects the data and assets of citizens and enterprises across Europe.

He is a sought-after keynote speaker, regularly presenting on bank data and Open Banking to audiences across the globe.



  • Funding Stage Self-funded
  • Trading for 6-10 years
  • Employees 11-50
  • Sector Data/Analytics
  • Valuation N/A

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