REST API

Easily add “peer-benchmark” spending behavior data to any fintech application for helpful perspective and profitable customer insights.

Peer-Benchmark Spending Behavior Modeling

  • Relevant Personalized Insights For a More Powerful User Experience

Simple, Predictive “Budgeting-as-a-Service”

  • Easily Enhance Any PFM Tool with Peer-Data-Driven Budget Automation

Alternative Data For Cash Flow Health Scoring

  • “Ability-to-pay” Metrics For Thin Credit File Underwriting Leading to Higher Loan Approval Rates

To Start Free Testing

Our full-featured API offers ready-to-use alternative credit data and scoring metrics for objective, ability-to-pay decisioning

DON’T BUILD IT -
SAVE TIME AND MONEY, BUY IT

Connecting to SPENDiD’s API lets you realize profitable results sooner, with far less cost and risk.

  • Higher user engagement

  • Separate your offering with unbiased peer benchmark spending data

  • Actionable consumer spending behavior insights

  • Potential growth in deposits and loan approval rates

Testimonials

  • “SPENDiD gave me a thorough understanding of what my life after college would probably cost, where I wanted to live it."

    -Beta User

  • "I didn't even have to worry about linking bank or credit card accounts. I just described myself and SPENDiD painted a financial picture for me that made sense."

    -Beta User

  • "I love the tips and advice SPENDiD apps give for every expense category, especially where it's clear I spend much more than my peers".

    -Beta User

  • "I was terrified of the 'real world' of personal finance since I had no experience and no one to really help me. With GradBudget I felt like I was starting at third base."

    -Beta User

  • "We partnered with Craig and the SPENDiD team for data integration in our Greenpath app. Their accurate model, fast API, and responsive team made the collaboration efficient and highly valuable."

    -Sasanka Kasinadhuni - GreenPath Financial Wellness

  • “Providing tools to make financial literacy applicable and engaging is never an easy task, but when I saw SPENDiD, I knew exactly how powerful a tool it would be as part of Money Vehicle.”

    -Jed Collins - Money Vehicle

DEMOGRAPHIC VARIABLES THAT DRIVE SPENDiD:

INCOME

ZIP CODE

AGE

# IN HOUSEHOLD

RENT VS OWN

Need a simple effective way to confidently approve more loans to those with “thin credit files” or the “credit invisible”?

Our Benchmark Spending Data & Smart Technology Already Did The Hard Work For You.

Because not every profitable credit risk has a strong FICO Score.


SPENDiD Enables Any Consumer Fintech or Budgeting Application To:

  • ◉ Offer unbiased peer-comparative spending behaviors by expense category (NOTE: Our research and surveys confirm your users want this feature)

  • ◉ Generate valuable spending and saving behavior models based on a few simple user inputs, or even behind the scenes with demographic and major expense category spending data you may already have access to about the user or account holder.

  • ◉ Uncover “out of the norm” spending behaviors with our always up-to-date REST API.

  • ◉ Reveal profitable “ability to pay” data to support loan approvals to thin-credit-files and the credit invisible

  • ◉ Offer automated predictive budget creation and cash flow health analysis to your users, members, or account holders, keeping them more engaged with your app or website while informing you of their personalized needs for your products and services.

  • ◉ Create and monitor simple-to-understand cash flow health scores and predicted saving ability.

Include SPENDiD’s REST API magic in your consumer fintech application

  • Request an API Key and start testing for free

  • Clear, easy-to-understand documentation

  • Data and logic updated regularly with “non-breaking changes” to reflect the most current source information and economic variables in the U.S.