Tier 1
Cash Flow Stress Test Dataset
468 households with granular cash flow data for liquidity and stress testing.
Overview
Cash flow management products require test data that captures the messy reality of household finances: irregular income, overdraft cycles, competing auto-pay obligations, and emergency fund stress events. This dataset provides 468 households with granular monthly cash flow sequences, paycheck timing variability, overdraft and NSF scenarios, and emergency fund depletion events. Ideal for neobanks, cash flow lenders, and financial wellness platforms.
What's Inside
468 households with 96-month cash flow sequences
Paycheck timing variability (bi-weekly, semi-monthly, irregular gig income)
Overdraft and NSF scenarios with recovery patterns
Emergency fund adequacy analysis across income levels
Auto-pay schedule conflicts and payment failure scenarios
Seasonal cash flow stress events (tax season, holiday spending, back-to-school)
Use Cases
Cash flow product feature testing
Overdraft prediction model training
Financial wellness algorithm validation
Lending underwriting model QA
Ideal Buyers
NeobanksCash flow lendersFinancial wellness appsPayroll advance platforms
Example firms: Chime, Current, Earnin, Dave, Brigit
Tags
Cash FlowBankingNeobankFinancial WellnessLiquidity
Minimal Deviation from Base Corpus
Directly derived from the base corpus with minimal re-tagging. Available immediately.
Other Tier 1 Packages
Reg BI Suitability Audit Pack
143 households purpose-built for Regulation Best Interest compliance testing.
$5,000
Tax-Loss Harvesting Simulator
806 households with full tax lot history for TLH algorithm validation.
$4,500
Retirement Income Sequencing Pack
380 retiree households with full decumulation scenarios and life event sequences.
$5,000