SPENDiD Developer Hub

Our API platform helps you build FinTech apps in radically less time and at lower cost. SPENDiD provides powerful, off-the-shelf functions to generate demographic models, personalized budgets, plus financial health and lending scores.

You'll find comprehensive guides and documentation here to help you start working with our services quickly, as well as support if you get stuck.

Please be sure to also visit our main site at https://www.spendid.io/

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Behavioral Models

The Behavioral Models or demographics service is a wrapper for SPENDiD's core internal modeling algorithm. We built the Creating a Budget and Financial Scoring services using these models.

What product features could you build?

curl --request POST \
  --url https://api.spendid.io/v1.0/demographics/models/generate \
  --header 'accept: application/json' \
  --header 'content-type: application/json' \
  --header 'x-api-key: your_api_key' \
  --data '{
  "demographics": {
    "age": 25,
    "gross_annual_income": 50000,
    "household_members": 1,
    "is_homeowner": false,
    "net_annual_income": 41004,
    "zip": "35210"
  }
}'

If you are encountering 403: Forbidden errors, please review our Authentication guide.

This model represents generalized spending behavior for the demographic profile you supplied. It is supported and continually updated via data streams we track, verify, and analyze.

{
  "model": {
    "food_home": 3511,
    "food_out": 2528,
    "alcoholic_beverages": 489,
    "mortgage_and_rent": 6347,
    "home_maintenance_and_repairs": 1012,
    "other_lodging": 503,
    "natural_gas": 339,
    "electricity": 1278,
    "heating_fuels_other": 88,
    "residential_phone_service": 176,
    "cellular_phone_service": 1028,
    "water_and_public_services": 488,
    "household_operations": 876,
    "housekeeping_supplies": 489,
    "furniture_and_appliances": 1582,
    "clothing_items_and_services": 1300,
    "vehicle_purchase_and_lease": 3744,
    "gasoline": 1786,
    "vehicle_maintenance_and_repairs": 725,
    "vehicle_insurance": 971,
    "public_and_other_transportation": 516,
    "health_insurance": 2722,
    "medical_services": 731,
    "prescription_drugs": 430,
    "medical_supplies": 155,
    "fees_and_admissions": 381,
    "media_hardware_and_services": 892,
    "pets": 516,
    "toys_and_hobbies": 160,
    "personal_care": 587,
    "reading": 82,
    "education": 665,
    "tobacco_and_smoking": 322,
    "miscellaneous": 865,
    "cash_contributions": 1189,
    "life_and_personal_insurance": 249,
    "savings": 1286,
    "other_debt_payments": 0
  }
}

Updated 7 months ago

Behavioral Models


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