REST API

  • Boost User Engagement

  • Reveal Smarter Financial Decisions

  • Realize Profitable Bottom Line Results

SPENDiD makes it simple for developers to access and profit from our comprehensive collection of trusted and reliable predictive data. Just a few of SPENDiD’s API highlights include location-specific salary levels for over 800 occupations (at five experience levels), location-specific housing costs by dwelling size, peer benchmark spending amounts by expense category, automated budget creation, absolute and peer-relative cash flow health scoring, and more.

The Value of Peer Data

SPENDiD v2.0 Enhanced Capabilities

Occupation-to-Income by location

  • Five levels of earnings insights for over 800 occupations, by location, to empower informed career decision-making.

Peer Spending Benchmarks

  • Let users compare their spending habits by category with their peers. Or capture valuable personalized marketing intel.

Create Budgets Automatically

  • Set a Savings Goal and let SPENDiD guide users to their budget to help them reach it.

Fair Market Rent by Location

  • Accurate rent or mortgage payment benchmarks by dwelling size and location (zip code or metro area) - enabling better decisions about housing commitments.

Cash Flow Health Scoring

  • Simple built-in metrics to easily assess a user or account holder’s “ability to pay” and their relative cash flow capability vs peers.

Key Variables That Drive SPENDiD

OCCUPATION

INCOME

ZIP CODE

AGE

# IN
HOUSEHOLD

RENT VS OWN

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

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

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

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

Alternative Data for Credit-Decisioning

SPENDiD allows any consumer finance or budgeting app 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.