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Using a Virtual Store As a Research Tool to Investigate Consumer In-store Behavior
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Consumption Expenditures in Austria & Germany: New Evidence based on Transactional Data.

Winfried Koeniger1,2, Peter Kreß1, Jonas Lehmann1

  • 1Department of Economics, University of St. Gallen, SEW-HSG, Rosenbergstrasse 22, 9000 St. Gallen, Switzerland.

German Economic Review
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PubMed
Summary

This study analyzes novel transactional card data for Germany and Austria, revealing similar consumer spending patterns. The research highlights granular, high-frequency insights into expenditure trends during and after the COVID-19 crisis.

Keywords:
AustriaC80D12E21Germanyconsumption expenditurestransactional data

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Area of Science:

  • Economics
  • Data Science
  • Consumer Behavior

Background:

  • Transactional card data offers granular insights into consumer spending.
  • Previous analyses often relied on consolidated, lower-frequency data.
  • Understanding expenditure patterns is crucial for economic analysis.

Purpose of the Study:

  • To analyze novel transactional card expenditure data for Germany and Austria.
  • To describe the data's features, strengths, and limitations.
  • To illustrate granular spending patterns and trends.

Main Methods:

  • Analysis of transactional card expenditure data from Fable Data.
  • Comparison with external, lower-frequency datasets.
  • Examination of expenditure coverage, payment channels, and distribution.

Main Results:

  • Transactional card data for Germany and Austria show highly similar expenditure patterns.
  • Detailed insights into weekday spending and consumption evolution during the COVID-19 crisis were identified.
  • The data provides granular, high-frequency information across expenditure items and locations.

Conclusions:

  • Novel transactional card data offers valuable, detailed insights into consumer spending.
  • The findings underscore the utility of high-frequency data for economic analysis.
  • Similar expenditure patterns in Germany and Austria warrant further investigation.