D•One
D·One is the open banking data platform of Money Dashboard Ltd (part of ClearScore Group), providing transaction categorization, credit risk scoring, affordability assessment, and account verification APIs to UK lenders, insurers, and fintechs.
- Company typePrivate
- Founded-
- HeadquartersEdinburgh, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What D•One does
D·One is the open banking data platform operated by Money Dashboard Ltd, a UK-incorporated entity that sits within ClearScore Group. The company sells into UK lenders, insurers, and fintechs, providing the data services required to underwrite, verify, and serve consumers through open banking rails. Headquartered in Edinburgh with a London presence and approximately 13 employees, D·One operates as an FCA-authorized Account Information Service Provider (firm reference 800652) and holds SOC 2 Type 2 and ISO 27001 certifications.
The core platform is built around a 12-year continuously developed transaction categorization engine trained on 13 billion consumer transactions, augmented by a proprietary Risk Score model (launched 2024, version 1.0.0), affordability assessment, and account verification products. The technology is delivered as a REST API with webhook support, enabling clients to integrate enrichment, risk, and verification services directly into onboarding and underwriting workflows. Through the ClearScore Group relationship, D·One also operates the UK's largest open banking-enabled marketplace, with 600,000+ connected customers providing a two-sided distribution footprint.
Commercially, D·One runs an API-first B2B subscription model targeting enterprise counterparties across retail and challenger banks (Monzo, Capital One), specialist lenders (Zopa, Lendable, 118 118 Money), BNPL providers (NewDay), and insurers (Hastings). Pricing is contract-based and tied to data volume and product mix, with no disclosed per-seat or consumer pricing. Revenue is not publicly reported, and the company is funded and supported within ClearScore Group rather than through standalone disclosed funding rounds.
D•One firmographics
Firmographics- Name
- D•One
- Legal name
- Money Dashboard Ltd
- Website
- https://data.one
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- D·One is the open banking data platform of Money Dashboard Ltd (part of ClearScore Group), providing transaction categorization, credit risk scoring, affordability assessment, and account verification APIs to UK lenders, insurers, and fintechs.
- Ownership category
- akta.pro rank
D•One industry classification
Industry- Product category
- Open Banking Credit Decisioning Platform
- NAICS
- Activities Related to Credit Intermediation (5223), Other Nondepository Credit Intermediation (52229)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)
- akta.pro secondary industries
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Account Verification & Ownership (AVS/AOV, micro-deposits, auth) (FSAGACAB)
Keywords
Where D•One is headquartered
LocationHeadquarters
- HQ city
- Edinburgh
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
D•One business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- B2B Platform Fees: Clients (lenders, credit providers, financial institutions) pay fees for access to open banking data, transaction categorisation, risk scores, and aggregated reports. Revenue model is B2B with enterprise pricing.
- Data and Analysis Services: Revenue earned from providing data, analysis and categorisation of account information to clients. Processing fees for transforming raw transactions into categorised insights.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise B2B pricing |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels3 records
D•One product offering
Product offeringCore offering
D·One provides an API-first open banking platform that transforms raw bank transaction data into categorised insights, risk scores, and aggregated reports for the UK lending industry. Its core products enable lenders and credit providers to perform credit risk assessment, affordability evaluation, and bank account verification via REST APIs and hosted connection journeys.
Product overview
D•One is an open banking platform for the lending industry offering a suite of products that transform raw bank transaction data into actionable credit insights. The core platform comprises Account Verification, Categorisation, Aggregated Reports, Underwriter Dashboard, and Risk Score modules. Integration channels include the Bank Connection Journey (direct connection), ClearScore Marketplace (aggregator integration with 600,000+ connected customers), and On-Demand matching for existing connections. The platform is built on a REST API with webhook support and maintains multiple categorisation versions (v42, v43, v44) simultaneously for backward compatibility.
Differentiator
Problem solved
Functional benefit
Products and services
- Account Verification
Quantifiable outcome
- UK's largest open banking enabled marketplace for credit decisions
- +2 more outcomes
Companies that use D•One
Customer profileNamed customers17 records
Segments3 records
Ideal customer profiles3 records
D•One technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability5 records
Feature6 records
D•One partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered flagship and core.
- ClearScoreflagshipClearScore is the primary marketplace partner, providing access to 600,000+ customers who have opted into Open Banking. D·One provides the open banking infrastructure enabling credit providers to access ClearScore marketplace data.
- Money Dashboard LtdcoreD·One is a trading name of Money Dashboard Ltd (company number SC301187). Money Dashboard Ltd is the operating entity and parent company.
- ClearScore GroupcoreD·One is part of the ClearScore Group, providing access to group resources, customer base, and complementary financial services ecosystem.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
D•One competitors and assessment
Company assessmentDirect peers
- Bud Financial: UK open banking data and insights platform serving banks and lenders with transaction categorisation and customer insight tools. Comparable product positioning to D·One's categorisation and underwriting dashboard.
- Tink: Visa-owned open banking platform offering account verification, categorisation, and risk insights across Europe. Competes with D·One on transaction categorisation quality and pan-European AISP coverage.
- Yapily: UK/EU open banking API provider enabling account information and payments for financial institutions. Direct head-to-head competitor for AIS integrations with UK lenders and credit platforms.
- Plaid: Global open banking/data connectivity platform serving lenders and fintechs with bank account linking and transaction data. Comparable API-first open banking infrastructure though with broader geographic reach and consumer credit use cases.
- Credit Kudos: UK open banking credit decisioning and affordability platform serving lenders with bureau-augmenting risk scores. Direct overlap with D·One's Risk Score and aggregated reports offering, now part of Experian.
- TrueLayer: UK-focused open banking API platform providing account information and payment initiation services to lenders and merchants. Directly comparable product surface (AIS, categorisation, risk insights) and shared UK lending customer base.
Emerging players
- Canopy: Open banking-based rental referencing and affordability platform with growing lender-facing credit analytics. Emerging alternative data provider overlapping with D·One's affordability and risk use cases.
- LendingMetrics: UK credit decisioning platform offering affordability, open banking, and routing tools to lenders. Comparable lending-vertical focus with partial product overlap on affordability and risk assessment.
Broad incumbents
- Equifax: Major credit reference agency providing consumer credit reports and decisioning tools to UK lenders. Competes for the same risk-decisioning budgets as D·One and offers increasingly open banking-augmented products.
- Experian: Global credit bureau and data analytics incumbent operating broadly in consumer credit reporting and decisioning. Competes with D·One's Risk Score at the bureau-augmentation layer, particularly since acquiring Credit Kudos.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
D•One social profiles
Digital presenceD•One compliance and trust
Trust signalCompliance2 records
D•One financial estimates
Financial estimateRevenue estimate
Valuation estimate
D•One leadership team
Management profileNumber of profiles
D•One funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
D•One 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 D•One
What does D•One do?
D·One provides an API-first open banking platform that transforms raw bank transaction data into categorised insights, risk scores, and aggregated reports for the UK lending industry. Its core products enable lenders and credit providers to perform credit risk assessment, affordability evaluation, and bank account verification via REST APIs and hosted connection journeys.
Is D•One a public or private company?
D•One is a private company. It is classified as corporate owned and is currently operating.
When was D•One founded?
D•One was founded in -1. It employs 11 to 50 people.
Where is D•One based?
D•One is headquartered in Edinburgh, United Kingdom, in the Europe region.
How does D•One make money?
Two revenue lines are on record. B2B Platform Fees are the primary driver. The others are data and Analysis Services.
Who are D•One's main competitors?
Direct peers on record are Bud Financial, Tink, Yapily, Plaid, Credit Kudos and TrueLayer. Emerging players are Canopy and LendingMetrics. Broad incumbents are Equifax and Experian.
Does D•One have an API?
Yes. D•One provides a REST API enabling lenders to access open banking transaction data. The API supports user management (create, update, delete users), session management for open banking connections, account and transaction retrieval (categorised and raw), report generation (Account Completeness, Risks, Affordability, Income, Credit Usage, Periodic Transactions in versions v1 through v3), risk scoring, PDF statement generation, and webhook subscriptions for real-time event notifications. The API uses API key authentication and Bearer token for session termination. Sandbox environment available at api-sandbox.data.one. Supports webhooks with HMAC SHA-256 signature verification for three event types: user_initiated.succeeded, scheduled_refresh.succeeded, and on_demand_refresh.succeeded. Developer documentation is at docs.data.one.
What industry is D•One in?
D•One's product category is Open Banking Credit Decisioning Platform. Its primary akta.pro industry code is FSAGACAG, Transaction Analytics & Cash-Flow Insights (risk signals, forecasting), with a secondary code of FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its NAICS code is 5223 and its SIC code is 6199.