Abstract: A system, a method, and a computer program product provide competitive data to a subscribing merchant regarding customers of the subscribing merchant and competing peer merchants. A computing device loads at least one microsegment hold table. The microsegment hold table is previously generated from demographic attributes regarding a plurality of individuals. The computing device identifies hashed recognition IDs associated with payment transactions completed at the subscribing merchant and competing peer merchants. The microsegment hold table and identified hashed recognition IDs are merged to generate a microsegment summary file. The microsegment summary file is transferred. The microsegment summary file and a microsegment definition file are merged to create a summary file indicating a number of identified recognition IDs associated with various statistics.