"Budgeting as a Service"
Web Application and API Solutions... Making a Real Difference in Real Lives

WEB-APPLICATION
EMPLOYERS, COLLEGES, FINANCIAL ADVISORS
* Offer helpful results in seconds to those you serve
* Empower better spending and borrowing decisions
* Lower stress means higher focus and productivity
* Drive loyalty in your fierce competition for talent
API
FINANCIAL INSTITUTIONS/PLATFORMS
* "Stickiness" for higher engagement with your platform
* Grow deposits and profit in the vast LMI market
* Capture actionable, profitable personalization data 
* Opportunity for valuable CRA credits​

Peer comparative cash-flow health metrics

TALK TO US ABOUT SPENDID'S WEB APPLICATION

START TESTING SPENDID'S API

​​The SPENDiD API and our soon to launch SPENDiD Web Application enable our clients to offer users an addictively simple, peer comparative "done for you" budgeting experience. Both products also offer valuable cash-flow health scores, lending risk metrics, deposit growth and truly personalized marketing data for the providing client.

WHAT IS SPENDiD®?

• Peer-comparative spending intelligence
• Addictively simple budget automation
  
• Alternative "ability to pay" lending metrics​
• Personalization of marketing outreach
• Proprietary SPENDiD Score metrics
• Gateway to "self-driving" money
• Unimpeachable data sources
• REST API technology

​FEATURES AND BENEFITS

PERSONALIZED SPENDING BEHAVIOR INSIGHTS
​– SPENDiD has mastered the powerful application of properly sourced “crowd-wisdom” theory and relative spending behavior. This empowers you to offer users a simple yet tremendously valuable perspective on their cash-flow health, plus create personalized messaging and marketing customized to their specific needs.

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AUTOMATED "DONE FOR YOU" DIGITAL BUDGETING
​– You can now bring the customer or employee a giant step closer to autonomous finance using simple, peer guided budget creation and refinement. Powered by a simple Q&A process flow, there actually is a short-cut to financial success!

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​​​INNOVATIVE CASH FLOW HEALTH & RISK METRICS
​​– SPENDiD offers a unique and addictive scoring metric indicating to the end user or SPENDiD client the relative strength of the User's cash flow health. These scores can be presented in numeric terms, or in a traditional A-F grading scale, or both. Click the Risk Metrics button below to learn more.

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Innovative Savings & Risk Metrics

BENEFITING MARKETS 

Banks and Credit Unions
​SPENDiD technology brings you closer to your customers versus separating you further, by helping you understand ​their spending habits and personalized needs.

Fintechs and Core Banking Platforms
SPENDiD is a uniquely valuable feature addition to banks and other PFM platforms. Our radically simple API opens tremendous opportunities to leverage data in simple, personalized and profitable ways.

Employers, PEOs and Payroll/HR Providers
SPENDiD is ideal for innovative companies taking an active role in the financial health of their employees. Loyalty, higher productivity and lower turnover mean a distinct competitive advantage.

Colleges & Universities
SPENDiD's web application helps make "adulting" less stressful by empowering graduates with a simple perspective on their first "real" budgeting experience.​​

Other
SPENDiD opens the door to countless beneficial applications of the unique relative spending perspectives now in view. Benchmark comparatives and peer-guidance are powerful uses to already existing data. Let’s get started!
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