REST API

Spending Insights Made Simple

  • Predictive Consumer Spending Insights

  • Smarter Financial Decisions

  • More Profitable Bottom Line Results

SPENDiD makes it simple for fintech and other developers to access our comprehensive collection of trusted and reliable predictive data. Just a few API end-point highlights include location-specific salary levels for over 800 occupations, peer benchmark spending amounts by expense category, automated budgeting, and cash flow health scoring.

The Value of Peer Data

SPENDiD v2.0 Enhanced Capabilities

Occupation-to-Income by location

  • Provide 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 the budget to get them there.

Fair Market Rent by Location

  • Deliver accurate rent benchmarks by unit size, zip code, and metro area - helping prevent housing sticker shock.

Cash Flow Health Scoring

  • Simple built-in metrics to easily assess the ability to pay and relative cash flow capability of users.

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.