DirectID, a global credit risk platform, announced today that it has partnered with Mockbank, a FinTech providing sandboxing and testing functionality for Open Banking connections.

The partnership will give organisations using the DirectID platform the ability to effortlessly test bank connections, without the need to use live bank accounts or data. The accounts provided with Mockback work like real bank accounts and give organisations the ability to test their services quickly and effortlessly.

When a customer of DirectID utilises Mockbank, they can create test customers that have accounts, balances and full transaction data for each account, providing flexibility and depth while testing. Multiple bank accounts can be associated with the same customer, providing the ability to simulate real life user behaviour, spending habits and financial profiles. This removes the lengthy process of manually creating transaction data or anonymising real transaction data.

As the profound use of bank data becomes a hygiene factor in the lending sector, the need for global organisations to test their offerings with freedom and scale has increased profusely. With Mockbank, customers using the DirectID platform have the freedom to test specific use cases, assess the value in their current propositions, test new products and automate their test scenarios. The insights acquired from the use of Mockbank testing will give global organisations the ability to innovate faster and more freely.

James Varga, CEO of DirectID, said:

“Considering the global scale of our customer base, ranging from tier 1 banks to FTSE100 companies, the ability to test to the capacity that Mockbank allows presents a vast opportunity. Now, customers of DirectID have the ability to utilise Mockbank’s Open Banking sandboxing functionality, providing a foundation to pioneer new products at a global scale. DirectID are delighted to be offer this service through our platform and we’re excited to see the innovation breakthrough to our global network of customers.”

About DirectID

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.

DirectID is authorised by the FCA to provide AISP (Account Information Service Provider) services within the UK market. Visit for more information.

About Mockbank

MockBank is sandboxing for Open Banking on a new level. The service exists because of frustration at the lack of advanced testing capabilities – these include creating customers, creating historical data, creating new transactions, testing connectivity and more. Within 5 minutes you can now test your PSD2/Open Banking applications.

Quickly creating all the test scenarios that open banking use cases require is becoming increasingly important in modern application development. Mockbank enables any number of development and testing workflows, and greatly enhances the agility of development teams, allowing developers, testers and performance teams to work in parallel for faster delivery and earlier testing. is a product of JR Verwaltungs- und Holding GmbH, Germany. To find out more visit

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