James founded The ID Co. in 2011 with a mission to create convenience—to allow us to sign up to new products and services in seconds.
The ID Co. builds products based on (open) bank data that helps businesses like online lenders to onboard their customers efficiently by solving pains such as affordability and credit risk.
Our DirectID business products help lenders to onboard their customers by removing friction caused during the application process by the current challenges of risk, compliance, fraud, and regulation. The products we provide solve business pains such as assessing a customer’s affordability, verifying their account information, and thereby offsetting credit risk.
James is active in a number of local and global efforts to help people do more online, including the Fintech Delivery Panel (FDP), FDATA, Open Banking Excellence | Edinburgh, and Trust In Digital Life (TDL), whose mission is to create a trusted ecosystem that protects the data and assets of citizens and enterprises across Europe.