Pan European Debit and Credit Card Transaction Datasets

Fable Data is a leading provider of pan-European consumer spend data, delivering high-quality, real-time, anonymised data on the performance of European economies into the hands of decision-makers. The dataset covers Europe’s five largest economies - UK, Germany, France, Spain and Italy - to provide timely and accurate information on where consumers are spending their money.

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# **Dataset Facts and Figures**

**Size:** total panel 13.9m accounts

**Coverage:** 2500+ merchants including 900+ listed entities covering 60+ merchant categories across consumer staples and discretionary spend

**Pan European:** UK, Germany, France, Italy, Spain, Austria and growing

**Fully anonymized:** no PII, no MNPI, GDPR compliant

**Sourcing:** exclusive, direct sourcing from financial institutions

**History:** from 2016 including historic backtesting for trend analysis

**Granularity:** available at row level or daily aggregation

**Attributes:** updates contain every transaction with persistent anonymized user IDs, full ticker/tag information and transaction description, along with a range of merchant and user attributes

**Mapping:** Bloomberg tickers, provided for the associated merchant, parent company, grandparent company, and great grandparent company, where applicable.

**Delivery method:** via Snowflake (other options available, please get in touch)

Our back-testing process includes a comprehensive comparison against official macroeconomic data to ensure our data is representative at a national and sectoral level. Please get in touch if you’d like to see the results.

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# **Our Products**

1. **Fable Signal:** Our most granular product, designed for data driven businesses who need a real-time read on major European economies. The daily data updates contain every transaction with persistent, anonymized user IDs and full ticker/tag information and transaction description, along with a range of merchant and user attributes.
2. **Fable Signal Daily:** A daily aggregated read of consumer activity for every merchant to enable quick targeted insights. Updated every weekday, just 7 days after the consumer transaction has occurred.

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# **Our Process**

1. **Harmonization:** Combine and map multiple data sources into a single harmonized, proprietary schema
2. **Enrichment:** Enrich the dataset with demographics, location information and merchant tags using our advanced attribution framework powered by proprietary data modelling techniques
3. **Enablement:** Deliver seamlessly to clients and enable them to extract maximum value using our suite of bespoke analytics tools including methodologies, scripts and models

搜集汇总

背景与挑战

背景概述

该数据集提供覆盖英、德、法等欧洲主要经济体的匿名化消费交易数据，包含1390万账户的细粒度交易记录，涵盖2500余家商户及60余个消费类别。数据通过金融机构直接获取，自2016年起持续更新，支持行级或日聚合粒度分析，并附有商户层级关联的彭博代码等丰富属性。