James is passionate about Open Banking and the opportunities it provides to redefine the credit and risk industry. In 2011 he founded DirectID with a mission to leverage the identity and data users have with their bank accounts, helping them prove their identity, financial health, and credit risk in seconds. He is enthusiastic about how FinTechs can help accelerate the adoption of these trends and technologies in the market. James is active in a number of local and global efforts to help people do more online, including Fintech Scotland, the Fintech Delivery Panel, FDATA, Open Banking Excellence, and Trust In Digital Life. The DirectID platform leverages Open Finance to 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.