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HOME
WEB APPLICATIONS
MYBUDGETREPORT
BUDGETWIDGET
GRADBUDGET
WEB APP PRICING
SOLUTIONS
FINANCIAL LITERACY INSTRUCTION
EMPLOYERS / HR & PAYROLL SERVICES
FINANCIAL INSTITUTIONS
FINANCIAL ADVISORS / CREDIT & CAREER COUNSELORS
INDIVIDUALS / FAMILIES / STUDENTS
RESOURCES
FAQs
CONTACT US
API DOCS
BLOG
API DEMO
TERMS OF SERVICE
PRIVACY POLICY
PRESS
MoneyVehicle Partnership
National Financial Educators Council Participation
ABOUT

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Folder: WEB APPLICATIONS
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Folder: SOLUTIONS
Folder: RESOURCES
Folder: PRESS
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MYBUDGETREPORT
BUDGETWIDGET
GRADBUDGET
Back
FINANCIAL LITERACY INSTRUCTION
EMPLOYERS / HR & PAYROLL SERVICES
FINANCIAL INSTITUTIONS
FINANCIAL ADVISORS / CREDIT & CAREER COUNSELORS
INDIVIDUALS / FAMILIES / STUDENTS
Back
FAQs
CONTACT US
API DOCS
BLOG
API DEMO
TERMS OF SERVICE
PRIVACY POLICY
Back
MoneyVehicle Partnership
National Financial Educators Council Participation


REST API

Easily add “peer-benchmark” spending behavior data to any fintech application
for helpful perspective and profitable customer insights.


PEER-BENCHMARK SPENDING BEHAVIOR MODELING

 * Relevant Personalized Insights For a More Powerful User Experience


SIMPLE, PREDICTIVE “BUDGETING-AS-A-SERVICE”

 * Easily Enhance Any PFM Tool with Peer-Data-Driven Budget Automation


ALTERNATIVE DATA FOR CASH FLOW HEALTH SCORING

 * “Ability-to-pay” Metrics For Thin Credit File Underwriting Leading to Higher
   Loan Approval Rates

PowerPoint Summary Value of Peer Data
PowerPoint Summary Credit-Worthy
Request API Key

To Start Free Testing

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OUR FULL-FEATURED API OFFERS READY-TO-USE ALTERNATIVE CREDIT DATA AND SCORING
METRICS FOR OBJECTIVE, ABILITY-TO-PAY DECISIONING

INTERACTIVE API DEMO


DON’T BUILD IT -
SAVE TIME AND MONEY, BUY IT

CONNECTING TO SPENDID’S API LETS YOU REALIZE PROFITABLE RESULTS SOONER, WITH FAR
LESS COST AND RISK.

 * Higher user engagement

 * Separate your offering with unbiased peer benchmark spending data

 * Actionable consumer spending behavior insights

 * Potential growth in deposits and loan approval rates

Request API Key
SwaggerHub Interactive Docs


Testimonials


 * “SPENDID GAVE ME A THOROUGH UNDERSTANDING OF WHAT MY LIFE AFTER COLLEGE WOULD
   PROBABLY COST, WHERE I WANTED TO LIVE IT."
   
   -Beta User


 * "I DIDN'T EVEN HAVE TO WORRY ABOUT LINKING BANK OR CREDIT CARD ACCOUNTS. I
   JUST DESCRIBED MYSELF AND SPENDID PAINTED A FINANCIAL PICTURE FOR ME THAT
   MADE SENSE."
   
   -Beta User


 * "I LOVE THE TIPS AND ADVICE SPENDID APPS GIVE FOR EVERY EXPENSE CATEGORY,
   ESPECIALLY WHERE IT'S CLEAR I SPEND MUCH MORE THAN MY PEERS".
   
   -Beta User


 * "I WAS TERRIFIED OF THE 'REAL WORLD' OF PERSONAL FINANCE SINCE I HAD NO
   EXPERIENCE AND NO ONE TO REALLY HELP ME. WITH GRADBUDGET I FELT LIKE I WAS
   STARTING AT THIRD BASE."
   
   -Beta User


 * "WE PARTNERED WITH CRAIG AND THE SPENDID TEAM FOR DATA INTEGRATION IN OUR
   GREENPATH APP. THEIR ACCURATE MODEL, FAST API, AND RESPONSIVE TEAM MADE THE
   COLLABORATION EFFICIENT AND HIGHLY VALUABLE."
   
   -Sasanka Kasinadhuni - GreenPath Financial Wellness


 * “PROVIDING TOOLS TO MAKE FINANCIAL LITERACY APPLICABLE AND ENGAGING IS NEVER
   AN EASY TASK, BUT WHEN I SAW SPENDID, I KNEW EXACTLY HOW POWERFUL A TOOL IT
   WOULD BE AS PART OF MONEY VEHICLE.”
   
   -Jed Collins - Money Vehicle




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DEMOGRAPHIC VARIABLES THAT DRIVE SPENDID:



INCOME



ZIP CODE



AGE



# IN HOUSEHOLD



RENT VS OWN

See How It Works
Request API Key



NEED A SIMPLE EFFECTIVE WAY TO CONFIDENTLY APPROVE MORE LOANS TO THOSE WITH
“THIN CREDIT FILES” OR THE “CREDIT INVISIBLE”?

OUR BENCHMARK SPENDING DATA & SMART TECHNOLOGY ALREADY DID THE HARD WORK FOR
YOU.

CONTACT US



BECAUSE NOT EVERY PROFITABLE CREDIT RISK HAS A STRONG FICO SCORE.


SPENDiD Enables Any Consumer Fintech or 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.


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INCLUDE SPENDID’S REST API MAGIC IN YOUR CONSUMER FINTECH APPLICATION

 * Request an API Key and start testing for free

 * 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.

Sample .csv Data File
Request API Key

Contact Us

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