D•One Risk Score
Split repayment risk using transaction data to unlock profitable growth
The D•One Risk Score gives lenders a new lens on credit risk by leveraging the full depth of open banking transaction data - no bureau input needed.
Each applicant is scored on a scale from 0 (high risk) to 1000 (low risk), making it easy to identify who to decline, who to approve, and where to personalise pricing.
Use the D•One Risk Score to lend more while risking less
Smarter credit decisions powered solely by open banking data.
Increase approvals
Accept low-risk applicants that traditional models reject.
Reduce arrears
Accurately identify and decline high-risk borrowers.
Seamless API integration
Quick to deploy with minimal lift from your tech teams.
Personalise pricing
Adjust APRs in line with real-time risk levels.
Win market share
Offer better rates to low-risk users and capture high-quality traffic.
How to use the D•One Risk Score
Via API
Call our dedicated Risk Score Endpoint to obtain a user's D•One Risk Score in real-time.
Underwriter Dashboard
View a user's D•One Risk Score and other transactional data through our underwriter portal.
