Dataset

debit-credit-spending-panel

Card & Transactions API 1 source

A US debit and credit expenditure dataset built from hundreds of millions of consumers and used to model same-store performance.

Dataset card

Affinity Solutions' Debit & Credit Spending Panel is a commercial card-panel dataset tracking consumer debit and credit transactions. It is offered under a paid license by the publisher.

What this dataset contains

The dataset is a panel of debit and credit card spending records sourced from consumers via Affinity Solutions. Coverage scope, sample size, time range, and refresh cadence are not documented in the available materials. It is tagged as a card-panel, same-store-sales, and consumer-spending resource.

Structure and fields

No schema is published for this dataset; column names, data types, and field-level granularity are unknown. Splits and sample rows are likewise not provided, so the underlying record layout cannot be described from the supplied facts. Analysts evaluating the product would need to request a data dictionary directly from the publisher.

How analysts use it

Given its card-panel and same-store-sales tags, plausible use cases include tracking aggregate consumer spending trends and benchmarking merchant-level revenue against official retail sales releases. Any more specific workflow, such as category-level share-of-wallet or cohort-level spend analysis, would depend on fields not documented here. Investors should confirm coverage, panel size, and historical depth with the vendor before integrating it into a model.

Documentation & references 2
  1. Affinity Solutions/debit-credit-spending-panel: listing on the provider website
  2. Affinity Solutions: official website

Further reading

All guides
  • What is alternative data?Alternative data in investment research: what the term covers, how it differs from data format, and why provenance, timing, access and validation matter.
  • Card transaction panelsHow anonymized card panels turn payment flows into revenue estimates: panel construction, debiasing, aggregation lags, and the gap between what panels see and what companies report.
  • Alternative data for investingHow funds turn alternative data into an investment edge: signal families, evaluation, backtesting, compliance and the build-vs-buy decision, mapped to the datasets and providers indexed on this encyclopedia.

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