U.S. Consumer Spending & Financial Insights

The Data

This dataset provides a comprehensive look at U.S. consumer financial behavior, tracking purchase transactions, banking activity, and demographic insights. By linking financial transactions with verified user demographics, businesses gain unparalleled visibility into spending patterns, merchant preferences, and economic trends.

What’s inside

These are just the highlights we've pulled out. If you think there could be a fit, let us know and we'll introduce you directly to the vendor for trial access.

• Purchase Transaction History: Granular data capturing every detail of user spending, including merchant categorization.

• Banking Activity Insights: Direct access to financial transactions across checking, savings, and credit accounts.

• Demographic Data: Verified user details such as age, location, income range, and employment status.

• Merchant-Level Analytics: Insights into purchase behavior across 2,500 merchants in key industries.

• Size & Scale:

  • 4.5 million U.S. users

  • $2.4 trillion in annual GMV

  • 2,500 merchants covered

  • 71% of users aged 25-44

  • 64% of users earning $25-60k annually

Example Use Cases

Here are a few popular examples to spark ideas. If you'd like a sounding board or help building a specific use case, ask to speak with our data team.

• Hedge Fund Consumer Spending Insights: Track retail and service spending patterns to identify economic trends and company performance signals.

• AI-Powered Credit Risk Modeling: Use banking activity and income data to refine risk assessment models for lenders and fintech platforms.

• Retail & Merchant Benchmarking: Analyze purchase behavior across 2,500 merchants to optimize pricing and promotional strategies.

• Geo-Targeted Marketing & Expansion Planning: Identify high-value demographics and spending habits for targeted advertising and location selection.

• Personal Finance & Budgeting Applications: Leverage direct banking data to build intelligent financial tools for consumers.

The Source

This dataset aggregates de-identified, permissioned financial and demographic data from millions of U.S. consumers. By directly linking spending behavior to verified user attributes, businesses can make data-driven decisions with precision and confidence.

Looking for a unique or hard-to-find dataset?

Submit a free data request, and we’ll find it for you. At Tiki, we specialize in sourcing and delivering datasets that have never been available before. Whether you need a niche dataset for a specific application or a large-scale dataset for deep analysis, our team is ready to help—just tell us what you’re looking for.