Data buyers

Real-time European transaction data for Investors_

See market dynamics, merchant performance and consumer trends in real time using Europe’s leading source of consumer transaction data.

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Informing investment strategies and decision-making across the globe 

Fable’s clients have access to the most comprehensive anonymized dataset of European banking and credit card transactions.

We source our data directly and exclusively from European banks and card issuers.

Our advanced proprietary algorithms enable us to accurately tag transactions to merchants and stock tickers. We further enrich each transaction with detailed merchant and consumer attributes.

Fable has developed a unique methodology of ‘privacy by design’ so that responsible data handling and the preservation of privacy is always our first consideration.

Use cases 

Meeting multiple complex investor objectives

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Systematic Investors

For an insightful real-time read of the European economy and businesses

  • Use our tagged proprietary data to inform models and identify trading signals
  • Leverage signals with other data sources to achieve uncorrelated returns
  • Identify new market events with spend data across all merchants, sectors and geographies
  • Measure correlations to reported numbers and stock prices as a momentum indicator
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Fundamental Investors

For deep sector analysis including merchant performance

  • Understand company and category spend at a granular level 
  • Track market share by company and competitor performance metrics
  • Analyze same-store sales with our merchant location information
  • Infer customer acquisition, switching, and retention behaviours
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PE & VC Investors

For merchant and category analysis across a wide range of attributes

  • Screen to identify opportunities and monitor competition
  • Perform in depth due diligence to validate investment strategies
  • Gain insights on European private or untagged merchants
  • Understand European market dynamics by tracking market share and competitor performance

62 Merchant categories

Spending across distinct merchant category groups

637 Tagged companies

rolled up to 396 tagged tickers across UK, EU, US and ROW

1413 Private companies

Consumer spending across private merchants

Products

Fable Signal

Every transaction, delivered daily

Our most granular product, designed for data driven investors who want a real-time read on the European economy.

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Fable Pulse

Aggregate level solutions offering flexible panelised data aligned to your investment portfolio

Our aggregated data products offer depth across merchants  designed to support quantamental and fundamental analysis, as well as private equity use cases.

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Benefits

Access powerful actionable insights

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Exclusive

Sourced directly by Fable, our data is unavailable from any other supplier

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Unbiased

We employ diverse data sourcing for a well stratified sample

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Compliant

Always anonymized and GDPR compliant, we conduct our 'privacy by design' methodology

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Comprehensive

Extensive coverage of global stock tickers and private merchants with 7+ years of history

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Structured

Detailed transaction data cleaned and tagged by ticker and merchant

latency
Real-time

Market leading latency of T+3 from transaction date

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Granular

See every transaction with detailed merchant and consumer attributes

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Enabled

Our team of researchers, data scientists and analysts are on hand to support onboarding

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We are proud to be members of the FISD SIIA

Fable’s data in action

Fable’s data is trusted by many of the world’s most influential organizations including…

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FAQs

It is sourced exclusively from banks and credit card issuers. We are proud of the long-term partnerships we have built with global banks, who trust us to handle, share and commercialize their data.

Our data is pan European. We have over seven years of history for back-testing and trend analysis, and we cover a high volume of merchants including listed and private. Our data portfolio is constantly updated as we onboard new European data partners. Please contact us for the latest information on global coverage and scale.

Our data does not contain MNPI. Fable processes anonymous consumer transaction data that is lawfully obtained from various data partners such as banks, card issuers, and open banking fintechs or payments processors. The data does not constitute MNPI, from a UK, EU, or US legal perspective.

In addition we have strict onboarding and quality assurance practices in place to ensure all our data at onboarding states is PD free. Our rigorous quality assurance processes ensure this remains the case.

Yes, we offer a 30-day trial of our live feed and full history. Trials are available on all our products – from the most granular row level, to our aggregated options. Please get in touch to find out more.

Yes. We offer a range of products including our aggregated solutions to suit different trading styles, resource availability and fund structures. Some of our products come with additional material to enable less technical teams and allow them to get the most out of our data.

In addition, our team of researchers, data scientists and analysts are always on hand to support with the onboarding of our data at the start, and analysis during evaluation.

We offer annual subscriptions to our data products.

We offer two core product types:

  • Fable Signal: Row level solutions that offer the most granular view of our data. These have a daily live feed of individual transaction by individual user, formatted similarly to the rows on a credit or debit card statement. Designed for data driven quant investors with options to adjust latency and granularity levels.
  • Fable Pulse: Aggregated solutions with lower latency options. These give depth across merchants. Enriched attributes support quantamental and fundamental analysis, as well as private equity.

    We offer a range of products at different price points to suit different investment styles and budgets. This applies to both our row level (Fable Signal) and aggregated (Fable Pulse) products. Please get in touch if you’d like to find out more.

Our data is typically delivered via AWS S3, and we are constantly reviewing other access methods so that our clients can access and get the most value out of our data in a way that suits them. Please get in touch if you would like to discuss your preferences for accessing our data.

Yes. We understand the importance of back-testing our data against reported KPIs within the evaluation process.

This is why we have a comprehensive suite of back-tests on a large volume of tickers covered by our data. Our approach involves comparing metrics derived from Fable’s panel against reported company KPI’s. We evaluate our back-test results using a variety of performance measures. To find out more about these, please get in touch.