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Gerald (Gerald Technologies, Inc.) — Longitudinal household cash-flow telemetry from a cash-advance / BNPL app: linked checking-account balance series (daily average and instantaneous balance), inbound deposit events with payer, amount and arrival timestamp, payroll cadence and its variance, plus advance-request behavior and merchant spend categories for lower-income household budgets.. Micro-cap fintech (16 employees, ~$1.2M revenue, $130K recorded raise, New York) with a disproportionately valuable dataset: continuous balance + deposit-arrival telemetry on low-income households is scarce, h…
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Longitudinal household cash-flow telemetry from a cash-advance / BNPL app: linked checking-account balance series (daily average and instantaneous balance), inbound deposit events with payer, amount and arrival timestamp, payroll cadence and its variance, plus advance-request behavior and merchant spend categories for lower-income household budgets.
From 5 yearsFormat TabularCoverage Financials · Information Technology
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Gerald (Gerald Technologies, Inc.) — Longitudinal household cash-flow telemetry from a cash-advance / BNPL app: linked checking-account balance series (daily average and instantaneous balance), inbound deposit events with payer, amount and arrival timestamp, payroll cadence and its variance, plus advance-request behavior and merchant spend categories for lower-income household budgets.. Micro-cap fintech (16 employees, ~$1.2M revenue, $130K recorded raise, New York) with a disproportionately valuable dataset: continuous balance + deposit-arrival telemetry on low-income households is scarce, h…
Joingerald offers (Alternative, Sentiment) — Bounded estimate: 100K linked accounts × ~40 transactions/month plus daily balance snapshots ≈ 50M transaction rows and ~1.2B balance observations per year. Absolute counts unpublished — request the row count and account-connect count in diligence..
Alternative credit and affordability model training, payday-cycle and liquidity-stress indices as a consumer-spending alt-data signal, income-verification and cash-flow-underwriting model evaluation, now-pay/labor-finance product design, and macro precautionary-saving research (the vendor's own content already analyzes 2022 policy uncertainty effects on deposit patterns).
The data is with 5 years of history.
Coverage spans US; Consumer Finance, Financial Technology; alternative, sentiment; equities.
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