simple, peer comparative budgeting experience. Both products also offer valuable cash-flow health scores, lending risk metrics, deposit growth, and truly personalized marketing data for the providing client.

SPENDiD's B2B2C solution is available to Providers in two product forms: 1. As an easy-to-connect REST API that allows the Provider's platform to incorporate SPENDiD's logic in its consumer-facing offering. Or, the API can also be used as a back-end relative data generator to compare spending behaviors of an End-User vs Peers, helping the Provider deliver more relevant (and profitable) targeted marketing and potential credit decisions (more loan approvals). 2. SPENDiD's capability is also available as an embeddable web app/calculator called DoneForYouBudgeting, ready for adoption and even white-labeling by Provider platforms of Employee Financial Wellness firms, Financial Advisors, PEOs, Payroll Services, or as a featured solution within any web-based PFM related application.