Informed decisions start with the best possible data
HFM Best Alternative Data Provider 2021
Our mission is to arm the world’s decision-makers with the most reliable, trustworthy and timely consumer transaction data available.
Data Suppliers
A proven track record of ethically-oriented data monetization
Data Buyers
Delivering powerful, real-time European consumer transaction data
Fable’s data is trusted by many of the world’s most influential organizations including…
Compliance & Data Ethics
The Ethical Gold Standard
- Compliance and data ethics are at the heart of our business. We call our methodology ‘privacy by design’, which means that responsible data handling, and the preservation of privacy, are always our first considerations, it is also key to our success
- Transparent, integrated and innovative processes have been embedded into our daily operations, both internally and externally. As a result, we continue to collaborate with many influential global organisations who trust us and rely on our data to conduct their own economic analysis and policymaking.
62 Merchant categories
Spending across distinct merchant category groups
523 Tagged tickers
Publicly listed merchants including full Ticker and Tag information
1260 Private companies
Consumer spending across private merchants
The latest from our Insights Centre_
Fable Data Informs New IMF Inflation Paper
Using Fable’s transaction data for the UK and Germany, the International Monetary Fund (IMF) has released a Working Paper on changing consumption patterns, and the resulting inflation bias during the COVID-19 pandemic. The paper uses Fable’s data to update the official inflation weights and quantify the resulting inflation bias, as official weights become outdated when…
IMF – The Impact of Monetary Policy Shocks on Credit Card Spending
Researchers at the IMF have published another working paper using Fable’s data. The paper demonstrates the advantages of having high-frequency data to help improve the identification of the effects of monetary policy. The differences are particularly noticeable when compared to more traditional data sources on consumption, which are usually subject to less frequent aggregation. Additionally,…
UK and Germany Spend Insight Report 05 Dec – 11 Dec 2022
In this week’s report, spend in the UK was flat 0% versus 2021 (YoY) and up 14% versus 2019 (Yo3Y). Spend in Germany was up 9% YoY and up 8% Yo3Y. In the UK, as we head into the peak holiday shopping season, spend declines are being seen across most High St regions relative to last year. In Germany, in contrast to the UK, spend growth is being seen across the High St and in some select categories including Clothing & Apparel, Sporting Goods and Health & Beauty Stores
UK and Germany Spend Insight Report 28 Nov – 04 Dec 2022
In this week’s report, spend in the UK was flat 0% versus 2021 (YoY) and up 10% versus 2019 (Yo3Y). Spend in Germany was up 10% YoY and up 2% Yo3Y. In the UK, Travel spend has picked up ahead of the holiday season. Electronics and Home/Furnishings/Appliances and key food related categories have not shown any major improvements. In Germany, Travel and Public Transport spend growth is above UK levels. Food & Beverage and Grocery/Bakery/Confectionery spending remains consistently higher than last year, continuing the trend seen through H2.
Levelling Up: Designing Policy to Fit Places
Using Fable’s transaction data to obtain consumption trends at a local level and in real-time, researchers from the University of Nottingham’s Centre for Inclusive Financial Technology have published a report that rethinks the design of levelling up policy. They use a machine learning model to split local authorities across Britain into 6 clusters based on…
UK and Germany Spend Insight Report 21 – 27 Nov 2022
In this week’s report, spend in the UK was down 1% versus 2021 (YoY) and down 7% versus 2019 (Yo3Y). Spend in Germany was up 8% YoY and up 10% Yo3Y. In the UK, despite lower transaction volumes YoY in categories such as Fuel and Grocery, spend is still higher reflecting increases in basket sizes. In Germany, Travel, Recreation, Public Transport and Clothing & Apparel are leading improvements.
Data for Good and how real-time transaction data enriches economic policy and research
To make economic decisions, we need to understand how people and businesses spend their money. To do this, government and academics have historically had to rely on datasets that are small or significantly delayed. However, with the advent of digital economies, we are seeing a new wave of economic research and statistics based on large-scale…
UK and Germany Spend Insight Report 14 Nov – 20 Nov 2022
In this week’s report, spend in the UK was up 1% versus 2021 (YoY) and up 12% versus 2019 (Yo3Y). Spend in Germany was up 8% YoY and up 16% Yo3Y. In the UK, ahead of the Black Friday/ Cyber Monday sales period we are starting to see an uptick in some retail category spending this week with Sporting Goods and Clothing & Apparel leading the way. In Germany, we are seeing average basket sizes track higher which is seeing growth in Sporting Goods, Clothing & Apparel and Health & Beauty stores.