Financial Wellness Starts With
Making Ends Meet

  • Predictive Budget Simulation & Training

  • Addictive Peer-Comparative Perspective

  • Student Career Path Planning

  • The Employee Benefit Needed Most

  • Alternative Data For Thin Credit File Lending

Powered by SPENDiD

DEMOGRAPHIC VARIABLES THAT DRIVE SPENDiD:

INCOME or OCCUPATION

ZIP CODE

AGE

#in HOUSEHOLD

RENT VS OWN

TESTIMONIALS

  • "I 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

  • "SPENDiD’s ability to take the guesswork out of budgeting by providing real-world, peer-centric recommendations as a starting point helps users overcome that formidable barrier to getting started on the road to financial wellness.”

    Dawn Sirras - Corelation (formerly with Constellation Digital Partners)

  • "SPENDiD understands the budgeting problem in the market, and is dedicated & focused on small, but specific problems, making budgeting easier, and overall have a good approach.”

    Andy Manthei - GreenPath Financial Wellness

  • "Definitely helpful! I wish I had done this when I graduated from college. I just did my budget on a piece of notebook paper and didn't think it all the way through. MyBudgetReport gives me prompts for categories that I didn't think of”

    Beta Testing Participant

  • “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. The ability to provide our students with this tool has allowed them to have fun creating a financial plan!”

    Jed Collins - Money Vehicle

SPENDiD’s REST API

offers fintech developers simple endpoints that can lead to higher user engagement, actionable consumer spending insights, and potential growth in deposits and loan approval rates:

  • Spending Behavior Modeling

  • Predictive Budget Creation

  • Cash Flow Health Scoring

  • Income by Occupation Selector

THESE ALLOW DEVELOPERS TO…

  • Offer unbiased peer-comparative spending behaviors by expense category

    (NOTE: Our 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.

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

SPENDiD CAN HELP

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

Include the SPENDiD REST API in your consumer fintech toolbox

Request an API Key and start testing for free

Four powerful end-points

Clear, easy-to-understand documentation

Data and logic updated often

Contact us

Contact us