D•One

D•One is ClearScore’s specialist open banking subsidiary, providing lenders, insurers, and financial institutions with the data and insights needed for smarter, more inclusive credit decisions. Built on the UK’s largest open banking dataset, D•One combines real-time bank transaction data with advanced categorisation across 90+ proprietary categories to deliver actionable affordability, income, and fraud insights. Their pre-built aggregated reports integrate seamlessly into underwriting workflows, while their risk score has outperformed traditional bureau data in live lending scenarios. Whether through their embedded white-label journey, native ClearScore marketplace integration, or categorisation-as-a-service, D•One helps lenders improve conversion, reduce arrears, expand into underserved segments, and offer risk-adjusted pricing — across acquisition, customer management, and collections.