Abstract: A geographic level purchase penetration data mart provides a comprehensive platform to merge geographic level credit card transaction data with other databases including bureau data, demographic data social media data and economic data. Credit card transaction data sources are selectively linked with survey data sources and other external data sources to generate a data model for selected business applications. The platform facilitates access to a large data set of credit card transaction data, and provides linkage models based on one or more geographic levels and selected business purposes for modeling and influencing consumer behavior at a multi-dimensional and practical level.

Abstract: Credit card transaction data sources are selectively linked with survey data sources and other external data sources to generate a data model for selected business applications. Transaction data at a customer level or at a geographic level may be linked with the survey data source. A survey data source may be configured for linking with a transaction data source to generate a model for export to external or internal processes. The survey data source may include linkages with the external data sources and/or with other internal data sources. Linkage models based on the transaction data may be incorporated in a financial data product or fed to downstream processes.