SPENDiD’s REST API
BUY IT - DON’T BUILD IT
Partnering with SPENDiD’s API lets you realize profitable results sooner, with less risk.
Higher user engagement
Actionable consumer spending insights
Potential growth in deposits, and loan approval rates.
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1. Peer Comparative Spending Behavior Modeling
2. Predictive Budget Creation
3. Cash Flow Health Scoring
4. Ability-to-pay metrics For Thin Credit File Screening / Higher Loan Approval Rates
5. Occupation to Income Selector
SPENDiD Enables Any PFM or Personal Budgeting Application To:
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 SPENDing Benchmark Data & Smart Technology Already DiD The Hard Work For You
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 regularly with “non-breaking changes” to reflect the most current source information and economic variables in the U.S.