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

Fable Data是欧洲领先的消费者支出数据提供商，将高质量、实时的匿名化欧洲经济表现数据交付给决策者手中。本数据集覆盖欧洲五大经济体——英国、德国、法国、西班牙与意大利，旨在及时、精准地呈现消费者的支出流向。

# **数据集核心数据与概况**

**规模**：总面板账户达1390万个

**覆盖范围**：涵盖2500余家商户，其中900余家为上市主体，覆盖消费刚需与可选消费领域的60余个商户类别

**泛欧洲覆盖**：覆盖英国、德国、法国、意大利、西班牙、奥地利，并持续拓展覆盖范围

**完全匿名化**：不包含个人可识别信息（Personally Identifiable Information, PII）与重大非公开信息（Material Non-Public Information, MNPI），符合《通用数据保护条例》（General Data Protection Regulation, GDPR）要求

**数据来源**：独家直接对接金融机构获取数据

**数据历史**：可追溯至2016年，包含用于趋势分析的历史回测数据

**数据粒度**：支持行级数据或每日聚合数据格式

**数据属性**：每次更新包含所有交易记录，附带持久化匿名用户ID、完整的代码/标签信息与交易描述，同时涵盖一系列商户与用户属性

**关联映射**：为关联商户、母公司、祖父公司及曾祖父公司（如适用）提供彭博代码（Bloomberg tickers）

**交付方式**：通过Snowflake数据平台交付（另有其他交付选项，欢迎垂询）

我们的回测流程包含与官方宏观经济数据的全面比对，以确保本数据在国家与行业层面具备代表性。如需查看回测结果，欢迎联系我们。

# **我们的产品**

1. **Fable Signal**：本产品为最细粒度的数据服务，专为需要实时掌握欧洲主要经济体动态的数据驱动型企业打造。每日更新的数据包含所有交易记录，附带持久化匿名用户ID、完整的代码/标签信息与交易描述，同时涵盖一系列商户与用户属性。
2. **Fable Signal Daily**：针对每家商户的消费者活动进行每日聚合的数据服务，可助力快速获取精准定向洞察。该服务于每笔消费者交易发生后的7个工作日内更新。

# **我们的处理流程**

1. **标准化整合**：将多源数据整合并映射至统一的专有数据架构
2. **数据富集**：依托专有数据建模技术构建的先进归因框架，为数据集补充人口统计、位置信息与商户标签
3. **价值赋能**：无缝交付至客户，并通过定制化分析工具套件（含方法论、脚本与模型）协助客户最大化挖掘数据价值

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。