Abstract: Systems and processes are described for providing improved understanding of cardholder purchasing behavior, and/or for providing improved predictions of future consumer needs. In some embodiments, the payment card account receipts of panel respondents are matched to their survey question responses and processed to generate actual spending behavior data, which may then be analyzed to generate one or more predictions concerning future consumer spending behavior. In an implementation, a computer receives recent payment card account receipt data and self-reported survey data of a panel respondent member, tags that data with a unique cardholder identifier (ID), and determines that there is a match between the recent payment card account receipt data and data stored in a transactional cardholder database.