Consumer Credit & Debit Card Transaction Data | Demographics Analysis

# Demographics 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 data 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 to compare demographics breakdown (age and income excluded in this free sample view) for one company vs. a competitor for a set period of time (Ex: How do demographics like wealth, ethnicity, children in the household, homeowner status, and political affiliation differ for Walmart vs. Target shopper?).

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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 a demographic, like age or income, within a state for a company in 2023
- Compare all of a company’s demographics to all of that company’s competitors through most recent history

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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: Demographics Analysis**

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*Problem*

A global retailer wants to understand company performance by age group.

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*Solution*

Consumer Edge transaction data can be used to analyze shopper transactions by age group to understand:

·         Overall sales growth by age group over time

·         Percentage sales growth by age group over time

·         Sales by age group vs. competitors

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*Impact*

Marketing and Consumer Insights were able to:

- Develop weekly reporting KPI's on key demographic drivers of growth for company-wide reporting

- Reduce investment in underperforming age groups, both online and offline

- Determine retention by age group to refine campaign strategy

- Understand how different age groups 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人口统计学分析

Consumer Edge是面向公募与私募投资者、企业客户的另类消费者数据领域领军企业。其CE（Consumer Edge）数据为聚合交易信息流，覆盖超1亿张信用卡及借记卡的消费者交易数据，包含超1400万月度活跃用户，涵盖线上、线下及第三方机构向公私企业产生的消费支出，覆盖超1.2万家商户，并提供详尽的人口统计学与地理维度细分数据。除总消费额、交易笔数及单笔交易金额外，还可追踪消费者的详细行为模式，包括留存率、购买频次及跨店消费行为。

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各行业的洞察，涵盖：
- 服装、配饰及鞋履
- 汽车
- 美妆
- 商用–硬线消费品
- 便利店/药店/保健食品
- 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
- 食品杂货店
- 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
- 其他杂项服务
- 线上零售–全品类
- 其他专业零售
- 宠物产品与服务
- 体育用品、爱好用品、玩具及游戏
- 电信与传媒
- 旅游

本数据示例展示了Consumer Edge的数据如何用于在特定时间段内对比某公司与竞争对手的人口统计学细分画像（本免费示例视图未包含年龄与收入维度），例如：沃尔玛（Walmart）与塔吉特（Target）的消费者在财富、种族、家庭子女情况、自有住房状况及政治倾向等人口统计学特征上存在哪些差异？

如需针对公开交易标的及私有品牌开展更复杂的近乎实时的人口统计学分析功能，可咨询CE订阅服务，例如：
- 针对2023年某州内的某企业，分析其某一人口统计学维度（如年龄或收入）
- 结合最新历史数据，将某企业的全部人口统计学特征与所有竞争对手进行对比

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）的多款数据集，订阅方案可满足多样化的商业需求。

**用例：人口统计学分析**

*问题*
某全球零售商希望按年龄组了解公司业绩表现。

*解决方案*
可借助Consumer Edge的交易数据分析不同年龄组的消费者交易行为，以了解：
· 各年龄组的整体销售增长随时间变化情况
· 各年龄组的销售增长率随时间变化情况
· 各年龄组的销售额与竞争对手的对比情况

*成效*
营销与消费者洞察团队可借此：
- 制定针对增长关键人口统计学驱动因素的周度报告关键绩效指标（Key Performance Indicator，KPI），用于全公司范围的汇报
- 减少对表现不佳的年龄组的线上线下营销投入
- 按年龄组确定客户留存率，以优化营销策略
- 了解不同年龄组相对于核心竞争对手的业绩表现

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
- 电商与实体零售趋势对比
- 房地产投资机会
- 消费支出结构变化

### 营销与消费者洞察
- 整体可触达市场视图
- 竞争威胁与机遇
- 跨店消费趋势，助力拓展新合作关系
- 人口与地理维度的增长驱动因素
- 客户忠诚度与留存情况

### 投资者关系
- 从股东视角对比品牌与竞争对手表现
- 实时市场情报
- 并购（Merger and Acquisition，M&A）机遇

私募股权与风险投资机构最热门的用例包括：
· 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会，而消费者洞察、营销及零售从业者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。

公募与私募投资者最热门的用例还包括：
- 跟踪关键KPI以对比公司公开披露数据
- 了解重点行业的总体可触达市场（Total Addressable Market，TAM）规模
- 竞争分析
- 评估公开上市、私有及即将上市的企业
- 探索地理与区域差异
- 跨店消费与客户忠诚度
- 深挖至库存保有单位（Stock Keeping Unit，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
- 业绩基准对比
- 了解钱包份额
- 观察订阅服务趋势

数据字段包括：
- 交易日期
- 商户信息
- 子行业分类
- 行业分类
- 消费金额
- 交易笔数
- 单笔交易消费额（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
- 家庭子女数量
- 家庭成年人数
- 自有住房者与租房者
- 企业主身份
- 首次消费周期内的留存率
- 用户流失率
- 跨店消费行为
- 平均客单价区间

Consumer Edge是专注于全球消费者的数据驱动型洞察领域的领军者。

搜集汇总

背景与挑战

背景概述

该数据集包含来自1亿多张信用卡和借记卡的聚合交易数据，覆盖1.2万多家商户，提供详细的人口统计和地理细分信息。适用于零售、金融、市场营销等多个领域的消费者行为分析和竞争对比研究。