consumerspending_

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,...

19 January 2023

Netflix ‘ad-ding’ more plans to the mix

Netflix is poised to fundamentally change its offering with the reported release of a cheaper ad-supported subscription offering in select countries across its 220 million plus subscriber base. The potential for an ad-tiered offering has been muted for some time and it should be said that Netflix is not the only large streaming business considering...

18 October 2022

Assessing the Impact of a Summer of Strikes

The Summer of 2022 has been punctuated by the escalating cost-of-living crisis which led to a variety of appeals for higher pay. Commuters suffered from the disruption of nine days of national train strikes between June and August. These strikes followed a pandemic that transformed how commuters use public transport, with many now preferring the...

30 September 2022

Tyson Fury Wins at Wembley Stadium…And Not Just in the Ring

Wembley Stadium is one of the UK’s most iconic venues hosting some of the world’s highest profile sporting and musical events. So, we were curious to know whether all events and all audiences are equal when it comes to splashing the cash locally on event days. By using a combination of Fable’s extensive consumer spend...

01 September 2022

Is Food Delivery still cooking or are taste buds changing?

The rise in the use of Food Delivery apps has been well documented with the pandemic serving up a hearty main course for many of the industry’s participants. However, as we have emerged from the depths of lockdowns delivering consistent tailwinds for growth in 2020 and 2021, we ask the questions – how has this...

25 August 2022

Where do we go from here for BNPL?

Buy Now Pay Later (BNPL) is the latest reincarnation of consumer borrowing and has quickly dominated the conscience of the consumer, the media, concerned regulators and incumbent mobile/electronic payment platforms and wallets. Here, I briefly trace the origins of consumer debt for context and then bring the narrative forward to a current review of the...

11 August 2022

Amazon Prime Day sees UK card transactions increase by 12%

Amazon held its annual Prime Day event on the 12/13th July this year. In an environment where online spending has continued to decline from the highs reached in 2020 and 2021 and the current cost-of- living crisis is biting hard, we were curious to know whether this squeeze on incomes might have dulled the consumer...

04 August 2022