# Provenance stamped 2026-10-07 (roadmap#943): written by an API Evangelist sweep (dated 2026-05-25 by the file itself), not
# harvested from the provider. `method: generated` so the economics campaign may replace it with a
# dated, verbatim transcription; every figure below is unverified until it does.
method: generated
generated: '2026-05-25'
specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Bud Financial
providerId: bud-co
created: '2026-05-25'
modified: '2026-05-25'
reconciled: false
tags:
- FinOps
- Cost Management
- Open Banking
- Enrichment
- Affordability
description: FinOps-aligned cost model for Bud Financial. Bud's commercial surface is enterprise-only and
  unit prices are not publicly published, so FOCUS-style cost lines are described here as categories rather
  than per-unit dollar figures.
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Bud Financial
serviceCategory: Financial Services - Open Banking and Enrichment
billingModel:
  pricingCategory: Usage-Based (Enterprise Contract)
  billingFrequency: Monthly
  billingCurrency: GBP
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
  primaryUnit: call
  secondaryUnits:
  - enriched-transaction
  - connected-customer
  - affordability-report
  - payment-initiation
  - kyc-check
costDrivers:
- name: Connect calls
  description: Open Banking authorisation, refresh, consent, and connection-management calls against the Bud
    Connect API.
  metric: requests
- name: Enriched transactions
  description: Transactions ingested or aggregated and run through Bud's enrichment, categorization, and
    merchant identification pipeline.
  metric: transactions
- name: Connected customers
  description: Customers with an active Open Banking connection over the billing period.
  metric: customers
- name: Affordability reports
  description: V1/V2 affordability reports generated through the Bud Assess product.
  metric: reports
- name: Payment initiations
  description: Single, scheduled, and standing-order payments initiated through Bud Pay.
  metric: payments
- name: KYC checks
  description: Business and individual KYC checks performed through Bud Check.
  metric: checks
notes:
- Bud does not expose a self-serve billing console at time of profiling. Cost allocation is performed
  contractually and surfaced through account-managed reporting.
- Tag transactions with `bud_product` (connect/intelligence/assess/pay/check) for FOCUS service-category
  alignment.
sources:
- https://bud.co
- https://docs.thisisbud.com