Financial Health Awareness Has Never Been So Simple
Predictive Automated Budget Simulation
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
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.
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
Occupation-to-Income 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.
TESTIMONIALS