Consumer Credit & Debit Card Transaction Data | Deal Sourcing for Private Investors

# Deal Sourcing 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 Transact Signal is an aggregated transaction feed that includes consumer transaction data on 100M+ credit and debit cards, including 14M+ active monthly users. Capturing online, offline, and 3rd-party consumer spending on public and private companies, data covers 12K+ merchants and deep demographic and geographic breakouts. 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 by private investors for deal sourcing, providing daily spend for 12,000 brands by channel.

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

- Screen fast-growing brands in any consumer industry or subindustry
- Search for lagging companies open to capital discussions

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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: **Deal Sourcing & Diligence**

*Problem*

A $35B Private Equity company focused on growth & venture, credit, and public equity investing in later-stage companies was looking for a data solution to enable them to source and vet the health of potential investments vs. their peers and their industry. With limited visibility, they were seeking a data solution that would seamlessly and easily provide concrete data and analytics for their assessments.​

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*Solution*

The firm leveraged CE data to monitor and report weekly on:

- *Sourcing*: With the support of Consumer Edge’s Insight team, the firm set up dashboard views to find and track the struggling firms that are open to capital needs. ​
- *Diligence*: The firm vetted the health of a potential investment target vs. their peers and their industry by monitoring key metrics such as YoY growth, spend amount % growth, # transactions, and # of transactions % growth.

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*Impact*

The diligence team able to:

- Identify three target acquisition companies based on historic performance ​
- Set benchmarks vs. competition and monitor growth trends ​
- Develop growth plans for post-acquisition strategy

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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**

# 依托Consumer Edge信用卡与借记卡交易数据的交易机会发掘

Consumer Edge是面向公共与私人投资者、企业客户的另类消费者数据领域的领军企业，以下简称CE。CE交易信号（CE Transact Signal）是一类聚合交易数据源，覆盖超1亿张信用卡与借记卡的消费者交易数据，包含超1400万月度活跃用户。该数据源采集线上、线下及第三方消费场景下针对公私企业的消费者支出数据，覆盖超1.2万家商户，并提供详尽的人口统计与地理细分维度。用户可追踪细致的消费者行为模式，除总支出、交易笔数及单笔交易金额外，还可分析用户留存率、购买频率及跨店消费行为。

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全行业的洞察，涵盖以下品类：
- 服装、配饰与鞋履
- 汽车
- 美妆
- 商业——耐用品
- 便利店/药店/减重食品
- 百货商场
- 折扣店/会员店
- 教育
- 电子/软件
- 金融服务
- 全服务餐厅
- 食品杂货
- 地面交通
- 健康产品与服务
- 家居与园艺
- 保险
- 休闲与娱乐
- 有限服务餐厅（即快餐业态）
- 奢侈品
- 其他杂项服务
- 综合线上零售
- 其他专业零售
- 宠物产品与服务
- 体育用品、爱好、玩具与游戏
- 电信与媒体
- 旅游

本数据样本展示了Consumer Edge数据如何被私人投资者用于交易机会发掘，可按渠道提供1.2万家品牌的每日支出数据。

如需获取CE订阅服务，可实现更复杂的近乎实时的交易机会发掘、尽职调查及投资组合监控分析，覆盖公开交易标的与私人品牌，例如：
- 筛选任意消费行业或子行业中的高增长品牌
- 搜索愿意开展资本洽谈的业绩疲软企业

Consumer Edge提供覆盖美国与欧洲（英国、奥地利、法国、德国、意大利、西班牙）的多类数据集，订阅方案可满足广泛的业务需求。

## 用例：**交易机会发掘与尽职调查**
*问题*
一家管理规模达350亿美元的私募股权公司，专注于成长型与风投、信贷及后期企业的公开股票投资，其亟需一款数据解决方案，以发掘潜在投资标的并对比同行与行业基准评估标的健康度。由于现有信息获取渠道有限，该公司希望获得一套可无缝且便捷地提供具体数据与分析的工具，用于投资评估。

*解决方案*
该公司借助CE数据，每周开展监控与汇报工作：
- **交易发掘**：在Consumer Edge洞察团队的支持下，该公司搭建了仪表板视图，用于寻找并追踪有资本需求的困境企业。
- **尽职调查**：该公司通过监控同比（Year-over-Year, YoY）增长率、支出金额增幅、交易笔数及交易笔数增幅等关键指标，对比潜在投资标的与同行及行业基准，评估标的健康度。

*影响*
该尽职调查团队得以：
- 基于历史业绩识别三家目标收购公司
- 设定与竞争对手的基准并监控增长趋势
- 为收购后的战略制定增长计划

企业研究人员与消费者洞察团队可利用CE数据开展以下工作：
### 企业战略
- 电商与实体零售（brick-and-mortar）趋势对比
- 房地产投资机遇
- 消费支出结构变化

### 营销与消费者洞察
- 总体可寻址市场（Total Addressable Market, TAM）视图
- 竞争威胁与机遇
- 跨店消费趋势以助力新合作洽谈
- 人口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
- 股东视角下的品牌与竞争对手对比
- 实时市场情报
- 并购机遇

私募股权与风投机构最热门的用例包括：
- 交易机会发掘
- 实时尽职调查
- 投资组合监控

公开与私人投资者可借助CE合成数据的洞察评估投资机遇；而消费者洞察、营销及零售企业则可通过交易数据开展竞争分析、理解消费者购物行为并获取市场情报。

公开与私人投资者最热门的用例包括：
- 对比公司披露数据追踪关键绩效指标（Key Performance Indicator, KPI）
- 理解重点行业的总体可寻址市场（Total Addressable Market, TAM）
- 竞争分析
- 评估公开、私人及即将上市的公司
- 探索地理与区域差异
- 跨店消费与用户忠诚度
- 拆解至库存保有单位（Stock Keeping Unit, SKU）级别及完整购买详情
- 客户终身价值
- 盈利预测
- 发掘宏观经济趋势
- 市场份额分析
- 绩效基准对比
- 理解钱包份额
- 观察订阅服务趋势

### 包含字段：
- 交易日期
- 商户名称
- 子行业
- 行业分类
- 支出总额
- 交易笔数
- 单笔交易支出（可衍生计算）
- 持卡人所在州
- 持卡人所在核心基于统计区域（Core Based Statistical Area, CBSA）
- 持卡人所在社区统计区域（Community Statistical Area, CSA）
- 年龄
- 收入水平
- 财富层级
- 种族
- 政治倾向
- 家庭未成年子女数量
- 家庭成年人口数量
- 房主与租户身份
- 企业所有者身份
- 首次购物周期留存率
- 用户流失率
- 跨店消费行为
- 平均消费档位

**Consumer Edge是专注于全球消费者的数据驱动洞察领域的领军者**

搜集汇总

背景与挑战

背景概述

该数据集由Consumer Edge提供，包含聚合的消费者信用卡和借记卡交易数据，覆盖超过1亿张卡和1.2万多个商户，支持私人投资者进行交易来源、尽职调查和投资组合监控等分析。数据涵盖多个消费行业，并提供详细的消费者行为模式和地理人口细分字段，适用于投资决策和市场竞争分析。