Data buyers
Fable Data is Europe’s leading source of consumer transaction data, covering major European economies including UK, Germany and France, as well as the US.
Get insight on individual merchant and category performance, macro growth trends, pricing and consumer behaviour changes in realtime.
Fable’s clients have access to the most comprehensive anonymized dataset of European and US banking and credit card transactions, built for sophisticated AI-powered systems to produce the signals that put businesses ahead of their market.
How do we do it?
We source our data directly from European banks and card issuers.
Our AI-driven processes enable us to collect, anonymise, validate, structure and deliver the cleanest, most consistent and precise consumer transaction dataset.
Our advanced proprietary algorithms enable us to accurately extract merchant and category information from each card transaction. We further enrich the data 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.
Informing essential business decisions
Big Tech
Euro Retail
CPG
Row level solutions providing every transaction from every user with daily updates
Fable Signal is designed for data driven businesses who want a comprehensive read of the European economy.
Benefits
Not available with any other data supplier
Diverse data sourcing for a well stratified sample
Always anonymized and GDPR compliant
Extensive coverage of merchants across key European economies with 7+years history
Granular transaction data cleaned and tagged by merchant
Market leading latency of 3 days from transaction date
Every transaction with detailed merchant and consumer attributes
Our team of researchers, data scientists and analysts on hand to support with onboarding
With football capturing the nation's attention, we analysed consumer spending on England's matchdays to see who opted for the pub as their chosen spectator's spot. The results are more nuanced than you'd think.
France's busy commuter areas are key battlegrounds for McDonald’s and its fast food competitors. For advertisers, marrying spend and location data can
B&Ms recent results triggered a sharp share price relief rally in line with signals from Fable Data's consumer spend data as UK shows poorer performance than predicted vs France and Heron.
We did not pivot to AI, we were built for it. Fable Data’s founder and CEO Luke Kennedy on how AI shapes our business, why it matters, and where it began. Everyday someone asks me how AI is impacting our business and market. The answer is simple. Fable was started 7 years ago. Before ChatGPT,…
Shopify, PayPal and Klarna rank as the most popular online payments providers according to consumer spend data, with Buy-Now-Pay-Later services consistently gaining popularity.
One Year On: How Club Pret’s Subscription Overhaul Is Reshaping Customer Behaviour Since its launch in October 2020, Pret a Manger’s subscription service has seen several iterations but none as transformative as the change introduced last year. In a bold move, Pret shifted from a £30/month model offering up to five free drinks a day (plus 20%…
Among a select group of retailers serving UK customers, Argos, Currys and John Lewis are the winners of the 2024 festive period having successfully increased their total monthly spend and share of spend in both November and December.
The fight for market share and consumer loyalty sees streaming services pivot their business models in a bid to remain competitive. What is the impact on the consumer and bottom line?
The seamless transition to price rises and plan changes continues amongst the streaming giants' customer bases.
How much are customers spending and how is this changing across brands and countries?
How has the macroeconomic environment impacted consumer habits over the last 5 years?
Higher-than-expected growth in travel spend driven by Southern Europe and hotels-focused platforms.
As Spotify pushes to profitability, price rises remain a key growth driver as Q1 highlights weakest QoQ subscriber adds in two years.
How does Shein’s growth compare to the likes of e-commerce stalwart, Amazon? And which Fast Fashion staples are losing wallet share as a result of this growth across acquisition, retention and ACV?
 The latest view from Netflix’s top 5 European markets. Netflix’s introduction of a new ad-based subscription tier in October 2022 was the most dramatic strategy shift in years and it’s having a profound impact on their subscriber mix, as they also rethink their pricing strategy and review their legacy plans. Why is Europe so…
It is sourced directly 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.
We serve data-sophisticated businesses and organisations wanting to see market dynamics, merchant performance and consumer trends in real time. This includes governments, central banks, institutional investors, consumer technology businesses and retailers.
While the organisations we work with are human-driven, the interface between our data and their operations is automated. We think of ourselves as supplying a raw material to AI-powered systems that can detect and act on the signals within the data.
We have over seven years of history for demand forecasting and trend analysis, and we cover the performance of a high volume of merchants including listed and private companies. Our data portfolio is constantly updated as we onboard new data partners across the world. Please contact us for the latest information on global coverage and scale.
Our data covers Europe and the US. We are continuously growing the number of countries we cover and the amount of data we hold for each. For a detailed breakdown, please get in touch.
No. 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 products. Please get in touch to find out more.
Our proprietary data platform processes billions of consumer transactions, with AI embedded across the production process but always with human review at key checkpoints. AI supports onboarding of new datasets, product testing, data quality assurance, and anonymisation checks, helping us scale securely without compromising accuracy or compliance. We use AI to accelerate merchant discovery and ownership research, and to support the curation and quality control of training data behind our enrichment models.
Note: Consumer data is always anonymised before it enters our processing pipeline. We work with transaction-level patterns and trends, not personally identifiable information and our tools and workflows are designed to operate on this anonymised, aggregated data. We don’t use client or consumer data to train third-party AI models.
Yes. Our products come with additional material to enable all technical teams and allow them to get the most out of our data.
In addition, our team of researchers, data scientists and analysists 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:
We offer a range of products at different price points to suit different investment styles and budgets. This applies to both our row level and aggregated 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.
