A powered service

Faster, Easier, Stronger

James Varga, CEO

www.direct.id

A powered service

Bank Verified Identities and Bureau Data helping…

Affordability Income Verification

Risk & Compliance Fraud

Collections & Recoveries

Online Lending Challenges

A powered service

Faster

A powered service

Bank Verified Identityfrom over 4,500 global banks

Bureau Data Checksand other data sources

Multiple Serviceswith configured workflow

Embedded UX with custom look & feel

A powered service

A powered service

Easier

A powered service

Verified Incomeand employer identification

Live Financial Datadirect from the bank account

Bespoke Data Pointsand customizable reports

Full API & online dashboard

A powered service

A powered service

Stronger

A powered service

for Compliance

A powered service

for Affordability

A powered service

for Collections

A powered service

for Fraud

A powered service

One Platform

Identity Data

Bank Bureau

A powered service

Bank Verified Identity

from over 4,500 global banks

Bureau Data Checks

and other data sources

A powered service

Key Features

Bank Verified Identitiesbased on secure credentials that

connects the consumer with their

financial accounts online and in real-

time

Multiple Account Typescurrent / checking accounts, savings,

credit cards and other financial

products

REST API with Easy

Integrationintegrate within a few minutes as a

turnkey solution

Multiple Validation Checksfrom bureau and industry sources

validating name, Date of Birth, SSN,

Driving license, and address

Live Financial Transactionsdirect from the consumers online

account updated in real-time and

available on-demand

Multiple Data Sourcesincluding banks, bureau, background

and personal data including credit

rating, credit score, electoral role,

PEPs, Sanctions, SDN and more

International CoverageBank Verified Identities available in

over 10 countries for over 400m

consumers. Data validation checks

dependent on country*

Embedded Applicationoptional white-labelling for a

frictionless customer experience

Strong Securitythrough a layered security model that

can include multi-factor

authentication, biometrics and geo-

location services

A powered service

Key Benefits

Full AML/KYC Complianceleveraging Bank Verified Identities validated

against multiple validation checks from bureau

and industry sources

Frictionless Onboardingreduce dropout by up to 70% by empowering

consumers to process applications online and in

real-time Fraud

Eliminationreal-time financial data together with verified data

is proven to have an immediate 80% reduction in

fraud Risk

Managementpowerful affordability and risk assessment

capabilities through live financial transaction data

direct from the bank

Eliminate Paperworkreal-time and on-demand access to Bank Verified

Consumer Profiles removes the need for

document scans, uploads and storage

Real Time Decisionsusing real-time financial transactions and instant

data validation for straight through pr|ocessing

Improved Customer Experienceprovide greater service and convenience and offer

relevant products through customer permissioned

financial profiles

ID&V as a Turnkey Solutionusing real-time financial transactions and instant

data validation for straight through processing

James VargaCEO & Founder

james.varga@miiCard.com

www.direct.id

www.miiCard.com

@miiCard