Money Dashboard
Money Dashboard is a UK open banking platform (operating as D·One) providing transaction categorisation, account verification, and risk scoring APIs to lenders and financial institutions, backed by a 12-year, 13+ billion-transaction categorisation engine.
- Company typePrivate
- Founded2010
- HeadquartersEdinburgh, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Money Dashboard does
Money Dashboard is a UK-based open banking and personal financial management platform headquartered in Edinburgh, Scotland, founded in 2010. Following its 2022 acquisition by ClearScore Group, the company has repositioned its B2B technology under the D·One brand while continuing to operate a consumer-facing personal finance management product. The core technical asset is a transaction categorisation engine developed continuously over a 12-year period and trained on more than 13 billion consumer transactions, which the company describes as the foundation of the UK's largest open banking enabled marketplace. Its product suite includes Account Verification, Categorisation, Aggregated Reports, an Underwriter Dashboard, and Risk Score.
The firm operates an API-first open banking platform serving credit risk assessment, affordability evaluation, and account verification use cases for UK lenders. Revenue mechanics are usage-based, monetising API calls and processed transaction volumes. Its go-to-market combines a self-serve developer portal at docs.data.one with direct enterprise sales to credit marketplaces, embedded bank-connection journeys, and a Bring-Your-Own-Data channel for clients with existing transaction datasets. Named customers include Capital One, Monzo, Zopa, NewDay, Lendable, Hastings, 118 Money, Novuna, and a long tail of UK specialist lenders and credit platforms.
Money Dashboard Ltd is registered in Scotland (company number SC301187), FCA-registered as an Account Information Service Provider (registration 800652), ICO-registered (Z3625637), and holds SOC 2 Type 2 and ISO 27001 certifications. As a wholly-owned subsidiary of ClearScore Group, the company's strategic direction is set within the parent's portfolio of consumer finance brands, alongside Acre Platforms and Aro Finance.
Money Dashboard firmographics
Firmographics- Name
- Money Dashboard
- Legal name
- Money Dashboard Ltd
- Website
- https://moneydashboard.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Money Dashboard is a UK open banking platform (operating as D·One) providing transaction categorisation, account verification, and risk scoring APIs to lenders and financial institutions, backed by a 12-year, 13+ billion-transaction categorisation engine.
- Ownership category
- akta.pro rank
Money Dashboard industry classification
Industry- Product category
- Open Banking Data Infrastructure
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)
- akta.pro secondary industries
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA), Net Worth & Personal Balance Sheet Tracking (FSAGADAF), Budgeting & Cash-Flow Management (FSAGADAA)
Keywords
Where Money Dashboard is headquartered
LocationHeadquarters
- HQ city
- Edinburgh
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Money Dashboard business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Open Banking Data Services: Provides open banking data services including account verification, transaction categorisation, aggregated reports, and risk assessment to lenders and financial institutions. Revenue likely derived from API usage, transaction volumes, or subscription-based access to data services.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels2 records
Money Dashboard product offering
Product offeringCore offering
Money Dashboard operates two integrated offerings: (1) the consumer-facing Money Dashboard personal finance management application, which lets users aggregate and view their bank accounts, and (2) the D·One open banking platform, which provides lenders and financial institutions with API-based open banking data services including account verification, transaction categorisation, aggregated reports, underwriter dashboards, and risk scoring. The D·One platform is powered by a categorisation engine trained on over 13 billion consumer transactions developed over a 12-year period.
Product overview
Money Dashboard operates as a personal finance management platform offering two integrated layers: (1) Money Dashboard, a consumer-facing personal finance tool for tracking spending and budgets via open banking, and (2) D·One, an underlying open banking platform for the lending industry that powers the core product. D·One provides sub-products including Account Verification, Categorisation (trained on 13+ billion transactions), Aggregated Reports, Underwriter Dashboard, and Risk Score. These products serve both consumer finance tracking and B2B lending/risk assessment use cases.
Differentiator
Problem solved
Functional benefit
Brands
- D·One: Open banking platform for the lending industry, providing account verification, categorisation, aggregated reports, and underwriter dashboard services.
Products and services
- Money Dashboard A consumer-facing personal finance management platform that enables individual users to aggregate, view, and track their bank accounts and spending using open banking connectivity.
- D·One
Quantifiable outcome
- Reduce 'broad brush' dropout in affordability evaluations
Companies that use Money Dashboard
Customer profileNamed customers17 records
Segments3 records
Ideal customer profiles2 records
Money Dashboard technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Money Dashboard partnerships and signals
Strategic signalScale indicators3 records
Recent moves5 records
Expansion highlights5 records
Money Dashboard competitors and assessment
Company assessmentDirect peers
- Yapily: UK open banking infrastructure provider offering account information and payment initiation APIs to financial institutions. Direct competitor to D·One for open banking data services in the UK lending market.
- Salt Edge: Open banking API platform offering account aggregation, categorisation and data enrichment across multiple geographies. Comparable as an open banking data services competitor with a similar lender-facing proposition.
- Bud Financial: UK open banking data platform providing transaction categorisation, affordability and lending insights to banks and fintechs. Overlaps directly with D·One's categorisation engine and risk assessment products.
- Credit Kudos: UK open banking credit reference and decisioning platform using categorised transaction data for affordability and risk. Direct competitor to D·One on credit risk assessment and affordability use cases in UK lending.
- TrueLayer: UK-founded open banking API platform serving lenders and merchants with account connectivity, categorisation and payment initiation. Directly comparable to D·One on open banking data services for the UK lending industry.
Emerging players
- Aire: UK credit decisioning platform using open banking and alternative data to score thin-file and new-to-credit consumers. Comparable to D·One on affordability and risk use cases but focused on a specific consumer segment.
Broad incumbents
- Plaid: Global open banking and account connectivity platform widely used by lenders and fintechs. Highly comparable to D·One's underlying AISP/connectivity layer, though Plaid operates at much larger scale and across multiple geographies.
- Experian: Global credit bureau increasingly layering open banking and transaction analytics onto its traditional credit data products. A broad incumbent whose open banking analytics capabilities compete with D·One's categorisation and risk-score offerings.
- Tink (Visa): European open banking platform acquired by Visa, providing account aggregation, categorisation, and risk insights to banks and lenders. Highly comparable to D·One's analytics-led open banking value proposition, with broader European reach.
Others
- ClearScore (Group): Parent company of Money Dashboard / D·One. Operates a UK credit marketplace and consumer finance platform; relevant as both an internal distributor for D·One and as a comparator for credit-decisioning data use cases.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Money Dashboard social profiles
Digital presenceMoney Dashboard compliance and trust
Trust signalCompliance2 records
Money Dashboard financial estimates
Financial estimateRevenue estimate
Valuation estimate
Money Dashboard leadership team
Management profileNumber of profiles
Profiles6 records
Money Dashboard funding detail
Funding detailFunding overview
Funding rounds5 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Money Dashboard M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Money Dashboard
What does Money Dashboard do?
Money Dashboard operates two integrated offerings: (1) the consumer-facing Money Dashboard personal finance management application, which lets users aggregate and view their bank accounts, and (2) the D·One open banking platform, which provides lenders and financial institutions with API-based open banking data services including account verification, transaction categorisation, aggregated reports, underwriter dashboards, and risk scoring. The D·One platform is powered by a categorisation engine trained on over 13 billion consumer transactions developed over a 12-year period.
Is Money Dashboard a public or private company?
Money Dashboard is a private company. It is classified as corporate owned and is currently operating.
When was Money Dashboard founded?
Money Dashboard was founded in 2010. It employs 11 to 50 people.
Where is Money Dashboard based?
Money Dashboard is headquartered in Edinburgh, United Kingdom, in the Europe region.
How does Money Dashboard make money?
One revenue line is on record: open Banking Data Services.
Who are Money Dashboard's main competitors?
Direct peers on record are Yapily, Salt Edge, Bud Financial, Credit Kudos and TrueLayer. Aire is listed as an emerging player. Broad incumbents are Plaid, Experian and Tink (Visa). ClearScore (Group) is listed as an others.
Does Money Dashboard have an API?
Yes. D•One provides an API-first open banking platform for the lending industry, enabling access to the UK's largest open banking enabled marketplace. The API supports data from any source through 'Bring your own data' functionality, transforming raw transaction data into categorised insights. It is designed for seamless integration with ultra-modern tech stack and market-leading processing speed. Developer documentation is at docs.data.one.
What industry is Money Dashboard in?
Money Dashboard's product category is Open Banking Data Infrastructure. Its primary akta.pro industry code is FSAGACAG, Transaction Analytics & Cash-Flow Insights (risk signals, forecasting), with a secondary code of FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking). Its SIC code is 6199.