We're very excited to confirm our latest partnership, with Hastings Direct! Adam Malcolm, CEO, Hastings Financial Services Ltd, said: “I am pleased to announce our strategic partnership with D•One, which will significantly enhance our ability to serve a larger and more diverse customer base through the integration of open banking data. This collaboration will enable us to better understand and address our customers' needs by providing an increased level of precision in evaluating their financial situations. Thank you to all the teams involved in bringing this to life and I look forward to seeing this partnership prosper over the coming months and years.” Tim Kelleway, Managing Director at D•One, said: “We are helping lenders perform rapid and detailed affordability calculations, resulting in a fairer assessment of borrower risk and a smoother process for customers. An increasing number of loan providers are leveraging our huge volumes of banking data to drive more sophisticated pricing and risk management, and we're delighted to support Hastings on that journey.” https://lnkd.in/erpiMx6r #openbanking #affordability #creditdecisioning
D•One
Information Services
London, England 649 followers
Translating open banking into smart decisions
About us
D•One is a standalone subsidiary of The ClearScore Group. We deliver multi-channel open banking solutions. Our market-leading transaction categorisation engine helps organisations make sense of bank data, and our modern technology allows them to use it efficiently throughout the acquisition funnel and beyond. Our proprietary dataset is proven to split risk over and above bureau data alone, and also facilitates robust affordability assessments, income verification, IDV, and fraud prevention.
- Website
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https://www.data.one/
External link for D•One
- Industry
- Information Services
- Company size
- 11-50 employees
- Headquarters
- London, England
- Type
- Privately Held
- Specialties
- Open Banking, Affordability, Credit Risk, and Decisioning
Locations
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Primary
Get directions
1-45 Durham Street
London, England, GB
Employees at D•One
Updates
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We're #hiring a new Business Development Manager in Greater London, England. Apply today or share this post with your network.
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It's great to be a part of a progressive community like Shift.
🚀 New Member! 🚀 Thrilled to welcome D•One.one as a Shift+ member within our Shift Open Finance Community! 🌟 We will be working closely on supporting the team at D.One with their goals and visions for the future. Here's to a collaborative journey ahead, filled with ground-breaking ideas and endless possibilities. 🤝 Welcome aboard! 🎉 #OpenFinance #FintechInnovation #CommunityGrowth #SHIFT
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Super excited to announce a partnership with Inicio AI! Lets get to work.
We’re excited to announce our partnership with D•One by the ClearScore Group! We’ve been working with D.One to deliver an SFS based I&E form with a softer entry into open banking and a virtual agent that fills the gaps and challenges consumers when the data looks odd. Getting the balance right in assessing affordability is not easy. Open Banking is a very efficient way of accessing a customer’s financial data but many consumers won’t consent to linking their bank accounts, and even when they do, on its own this data doesn’t always make sense or satisfy set assessment criteria. On the other hand, more consumers may do a manual affordability assessment and you can gather more granular spend, but verifying the data can be a challenge. Well, now you can have it all! We’re looking forward to working with D•One to deliver a game-changing customer experience for the most accurate and user-friendly affordability assessments in the market.
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D•One reposted this
Onwards and upwards 📈
I share insights and news on UK Startups 📊 | Building at Deel ⚡ | Founder at Growth Hub 📊
BREAKING: ClearScore releases FY2023 results! £77m OF REVENUE AND PROFITABLE ClearScore is a UK startup that provides consumers with access to their credit score and report, for free. It also allows users to search the market and apply for credit cards, loans and car finance with the company receiving a commission from the lender. It was founded in July 2015 by Justin Basini, Nigel Morris and Dan Cobley and just released its FY2023 report: 📊 £77m of revenue 📊 £5m pre-tax profit 📊 14m users Revenue dropped by 9% in 2023, which the company stated was due to the pullback in supply from lenders following the “rising cost of living and increased interest rates”. The business managed to respond quickly however and significantly reduced Admin Expenses. This led to a swing to profitability, from -£10m in 2022 to £5m in 2023 which is amazing news. ClearScore has been a great business since day one. In fact three years after launching it received an acquisition offer of £275 million. Ultimately, it didn’t go ahead as a result of concerns raised by the CMA, but it’s still insanely impressive. It last fundraised in 2021 when it raised $200m at a $700m valuation. Given its profitability it is unlikely to need much more cash. Overall a great UK fintech and solid results!
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Teams that took the game to the next level: All Blacks - 2010-19 Chicago Bulls - 1995-98 New England Patriots - 2001-19 Spain - 2008-12 The Lionesses - 2022 The team below... 2024 onwards Come and see us at the OB expo to see why! Tim Kelleway Amber Hammond-Appelbee Will Dale Iain Niblock Mark McClay Adam Cox Lillie Cook
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D•One reposted this
🎉 Great news! D•One joins us as Event Partner at #OBExpo on 15-16 October 2024 in London! 🌍 D•One is an Open Banking connectivity and transaction categorisation intelligence business, offering services designed specifically for the complex needs of the lending industry. Their consumer insight provides facts, critical metadata, and intelligence that helps lenders make fully rational and justifiable credit decisions. Tim Kelleway, Will Dale, Justin Basini, Brian Cole, Andy Sleigh, Tom Markham, Iain Niblock, Amber Hammond-Appelbee, Joe Wiggins 🌟 Want to do business with 1,200 Open Banking and Open Finance professionals too? Download the media pack here 👉 https://bit.ly/3W21htI #OpenBanking #OpenFinance #OpenData #Payments #SmartData #OpenBankingPayments #Finance #Fintech #Banking #Innovation
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Thrilled to announce that our collaboration with Plend | B Corp has been shortlisted for the Open Banking Expo Best Industry Partnership Award! A huge thank you to our teams for their dedication and innovation in transforming the lending landscape with Open Banking. Onward and upward! 👏🏻🚀
🎉 The shortlist for the Open Banking Expo Awards 2024, in association with Raidiam, is out! Congrats to all the companies, individuals, and initiatives making the cut. Discover who’s in the running for top honours across 13 categories. See the full shortlist here 👉 https://lnkd.in/eZs3Xc7N #OBExpo #OBExpoAwards2024 #OpenBanking #OpenFinance #SmartData #Fintech #Payments #WiOB
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Industry leaders and D•One clients. Proud of both Salad Money and Plend | B Corp, keep innovating!
Alternative lenders such as Plend | B Corp and Salad Money use open banking data to accurately assess borrowers’ finances – and offer affordable credit to people who might be excluded from traditional lending. Our case studies explain how. Read the Plend case study here >> https://lnkd.in/eq7YY7VS Read the Salad Money case study here >> https://lnkd.in/eq7YY7VS #FinancialInclusion #FairerFinance Tim Rooney James Pursaill Lord Iain McNicol
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At ClearScore's summer conference on 10th July 2024 at London's Tobacco Dock, D•One hosted a distinguished panel of industry experts to explore the relative merits of open banking in lending. With a highly engaged audience of lenders and industry peers, there were a lot of important questions raised and not enough time to answer them all on the day. As such, in the below document we have included follow-up responses to those questions from D•One Managing Director Tim Kelleway, who chaired the session. Further thoughts and views from our network are very welcome..! Many thanks to panellists Tim Rooney (Salad Money), Gerald Chappell (Abound), and Ezechi Britton MBE (Centre for Finance, Innovation and Technology (CFIT), and to everyone who attended the event which included some amazing content from the likes of Mark Carney, Sir John Major, and Dame Kelly Holmes. Hope you enjoyed it as much as we did and look forward to seeing you next year for our epic 10-year anniversary celebration!