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:

  • ◉ 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.

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.