Behavioral Models

The SPENDiD 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 applications and new 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
  }
}