Consumer Credit & Debit Card Transaction Data | European Spend

# European Spend Analysis with Consumer Edge Credit & Debit Card Transaction Data

Consumer Edge is a leader in alternative consumer data for public and private investors and corporate clients. CE Vision EUR is an aggregated transaction feed that includes consumer transaction data on 6.7M+ Europe-domiciled payment accounts, including 5.3M+ active monthly users. Capturing online, offline, and 3rd-party consumer spending on public and private companies, data covers 4.4K+ brands and 620 symbols including 490 public tickers. Track detailed consumer behavior patterns, including retention, purchase frequency, and cross shop in addition to total spend, transactions, and dollars per transaction.

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Consumer Edge’s consumer transaction datasets offer insights into industries across consumer and discretionary spend such as:

- Apparel, Accessories, & Footwear
- Automotive
- Beauty
- Commercial – Hardlines
- Convenience / Drug / Diet
- Department Stores
- Discount / Club
- Education
- Electronics / Software
- Financial Services
- Full-Service Restaurants
- Grocery
- Ground Transportation
- Health Products & Services
- Home & Garden
- Insurance
- Leisure & Recreation
- Limited-Service Restaurants
- Luxury
- Miscellaneous Services
- Online Retail – Broadlines
- Other Specialty Retail
- Pet Products & Services
- Sporting Goods, Hobby, Toy & Game
- Telecom & Media
- Travel

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## This data sample illustrates how Consumer Edge data can be used to understand a company’s growth by country for a specific time period (Ex: What was McDonald’s year-over-year growth by country from 2019-2020?)

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Inquire about a CE subscription to perform more complex, near real-time demographics analysis functions on public tickers and private brands like:

- Analyze year-over-year spend growth for a company for a subindustry by country
- Analyze spend growth for a company vs. its competitors by country through most recent time

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Consumer Edge offers a variety of datasets covering the US and Europe (UK, Austria, France, Germany, Italy, Spain), with subscription options serving a wide range of business needs.

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## Use Case: European Spend Analysis

*Problem*

A global retailer wants to understand company performance by geography to identify growth and expansion opportunities.

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*Solution*

Consumer Edge transaction data can be used to analyze shopper behavior across geographies and track:

- Growth trends by country vs. competitors
- Brand performance vs. subindustry by country
- Opportunities for product and location expansion

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*Impact*

Marketing and Consumer Insights were able to:

- Develop weekly reporting KPI's on key growth drivers by geography for company-wide reporting
- Refine strategy in underperforming geographies, both online and offline
- Identify areas for investment and expansion by country
- Understand how different cohorts are performing compared to key competitors

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## Corporate researchers and consumer insights teams use CE data for:

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Corporate Strategy

- Ecommerce vs. brick & mortar trends
- Real estate opportunities
- Economic spending shifts

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Marketing & Consumer Insights

- Total addressable market view
- Competitive threats & opportunities
- Cross-shopping trends for new partnerships
- Demo and geo growth drivers
- Customer loyalty & retention

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Investor Relations

- Shareholder perspective on brand vs. competition
- Real-time market intelligence
- M&A opportunities

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## Most popular use cases for private equity and venture capital firms include:

- Deal Sourcing
- Live Diligences
- Portfolio Monitoring

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Public and private investors can leverage insights from CE’s synthetic data to assess investment opportunities, while consumer insights, marketing, and retailers can gain visibility into transaction data’s potential for competitive analysis, understanding shopper behavior, and capturing market intelligence.

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## Most popular use cases among public and private investors include:

- Track Key KPIs to Company-Reported Figures
- Understanding TAM for Focus Industries
- Competitive Analysis
- Evaluating Public, Private, and Soon-to-be-Public Companies
- Ability to Explore Geographic & Regional Differences
- Cross-Shop & Loyalty
- Drill Down to SKU Level & Full Purchase Details
- Customer lifetime value
- Earnings predictions
- Uncovering macroeconomic trends
- Analyzing market share
- Performance benchmarking
- Understanding share of wallet
- Seeing subscription trends

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Fields Include:

- Day
- Merchant
- Subindustry
- Industry
- Spend
- Transactions
- Spend per Transaction (derivable)
- Cardholder State
- Cardholder CBSA
- Cardholder CSA
- Age
- Income
- Wealth
- Ethnicity
- Political Affiliation
- Children in Household
- Adults in Household
- Homeowner vs. Renter
- Business Owner
- Retention by First-Shopped Period
- Churn
- Cross-Shop
- Average Ticket Buckets

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**Consumer Edge is the Leader in Data-Driven Insights Focused on the Global Consumer**

# 基于Consumer Edge信用卡与借记卡交易数据的欧洲消费支出分析

Consumer Edge是面向公募与私募投资者及企业客户的另类消费者数据领域领军者。CE Vision EUR为聚合交易数据源，涵盖超670万个欧洲境内支付账户的消费者交易数据，其中活跃月度用户超530万。该数据集覆盖线上、线下及第三方消费者对公募与私募企业的消费行为，涵盖超4400个品牌及620个标的，其中包含490个公开交易代码。其可追踪消费者的精细化行为模式，除总消费金额、交易笔数及单笔交易金额外，还涵盖用户留存率、购买频次及跨店消费等维度。

Consumer Edge的消费者交易数据集可提供消费及可自由支配支出领域各赛道的洞察，涵盖以下行业：
- 服装、配饰及鞋履
- 汽车
- 美妆
- 商用硬线品类
- 便利店/药店/保健品
- 百货商场
- 折扣店/会员店
- 教育
- 电子及软件
- 金融服务
- 全服务餐厅（正餐餐厅）
- 食品杂货
- 地面交通
- 健康产品与服务
- 家居与园艺
- 保险
- 休闲娱乐
- 有限服务餐厅（快餐）
- 奢侈品
- 其他服务
- 综合线上零售
- 其他专业零售
- 宠物产品与服务
- 体育用品、休闲爱好、玩具及游戏
- 电信与传媒
- 旅游

本数据示例展示了如何利用Consumer Edge数据，在特定时间段内按国家维度分析企业增长情况（例如：2019-2020年间麦当劳各国同比增长率如何？）

如需获取CE订阅服务，可实现针对公开交易标的及私有品牌的更复杂、近乎实时的人口统计分析功能，例如：
- 按国家及细分行业维度分析企业的消费支出同比增长情况
- 按国家维度，对比企业与其竞争对手的最新消费支出增长情况

Consumer Edge提供覆盖美国及欧洲（英国、奥地利、法国、德国、意大利、西班牙）的多类数据集，订阅方案可满足多样化的企业业务需求。

## 应用场景：欧洲消费支出分析
### 问题背景
某全球零售商希望按地理维度了解企业经营表现，以识别增长与扩张机遇。

### 解决方案
可借助Consumer Edge交易数据分析不同地理区域的消费者行为，并追踪以下维度：
- 各国与竞争对手的增长趋势
- 各国品牌表现与细分行业对比
- 产品与门店扩张机遇

### 实施成效
营销与消费者洞察团队可实现以下目标：
- 按地理维度梳理核心增长驱动因素的周度报告关键绩效指标（KPI），用于全公司范围的汇报
- 优化表现欠佳地区（线上及线下）的运营策略
- 按国家维度识别投资与扩张方向
- 了解不同消费者群体与主要竞争对手的表现差异

企业研究人员与消费者洞察团队可借助CE数据开展以下工作：

#### 企业战略
- 电商与实体零售趋势
- 地产布局机遇
- 经济消费趋势变化

#### 营销与消费者洞察
- 全可触达市场视图
- 竞争威胁与机遇
- 跨店消费趋势，用于拓展新合作关系
- 人口统计与地理维度的增长驱动因素
- 客户忠诚度与留存率

#### 投资者关系
- 从股东视角分析品牌与竞品对比情况
- 实时市场情报
- 并购机遇

私募股权与风险投资机构的主流应用场景包括：
- 项目发掘
- 现场尽职调查
- 投资组合监控

公募与私募投资者可借助CE合成数据的洞察评估投资机遇，而消费者洞察团队、营销部门及零售商则可通过交易数据洞察开展竞争分析、了解消费者行为并获取市场情报。

公募与私募投资者的主流应用场景包括：
- 对比企业披露数据追踪核心KPI
- 了解重点赛道的全可触达市场规模（Total Addressable Market，简称TAM）
- 竞争分析
- 评估公募、私募及拟上市企业
- 探究地理与区域差异
- 跨店消费与用户忠诚度
- 细化至SKU层级及完整购买详情
- 客户终身价值
- 营收预测
- 挖掘宏观经济趋势
- 市场份额分析
- 表现对标
- 钱包份额洞察
- 订阅服务趋势洞察

数据字段包括：
- 日期
- 商户
- 细分行业
- 行业
- 消费金额
- 交易笔数
- 单笔交易金额（可衍生计算）
- 持卡人所在地区
- 持卡人核心统计区域（CBSA）
- 持卡人统计区域（CSA）
- 年龄
- 收入水平
- 财富层级
- 种族
- 政治倾向
- 家庭子女数量
- 家庭成年人数
- 房主/租户身份
- 企业主身份
- 首次消费时段留存率
- 客户流失率
- 跨店消费
- 平均消费档位

**Consumer Edge是聚焦全球消费者的数据驱动型洞察领域领军者**