Analyse spend, consumer loyalty, to granular demography and merchant brand level, for 330+ listed entities and 1.4k+ merchants in the UK & EU. Includes Credit, Debit & Savings in one place to provide a full view of consumer spending. We are not an aggregator, all our data is direct from source. What makes ClearScore's Exact.One dataset unique? • ClearScore provides consumer debit and credit card data at a transaction level • The data is made available directly from open banking connections that users have with the ClearScore App. • A large panel of over 1.4m users and 1.8m accounts. • Historic view of data spanning 5+ years. • Native categorisation methodology curated over the last 10 years. • Coverage of over 250 million transactions annually mapped to 250+ publicly listed companies. What is the panel size? • More than 1.4m users opted into sharing their data via Open Banking data and this is growing monthly as we acquire more users. How do I receive the data? • S3 bucket transfer (Preferred) • SFTP • Snowflake What’s the structure of the data? • Raw transactions (row-level data) or Aggregated data *Data dictionary available upon request. What is the quality of the panel? • The users who we have acquired have a re-auth rate of ~65%. • The coverage is 250 million transactions accounting for £6 billion in spend (Jan - Dec 2021 example) • Coverage of over 1400 merchants mapping to 330 tickers, 130 of which are UK publicly listed Exact.One is built on an industry-leading transaction categorisation service: • Our categorisation service is a rules based deterministic model which favours accuracy over coverage • We focus on accurately categorising spend at merchants, as well as spend pertaining to credit risk (e.g. income, gambling, benefits, financial institutions, cash withdrawals, and debt management services) • Clients can request improvements to the model, and these can easily be implemented by adding new rules or adapting existing rules Purpose tagging: We classify transactions utilising 286 purpose tags which are rolled up to higher level tags (e.g., childcare benefits > benefits > income). Merchant tagging: We tag 1.4k merchants in our model with updates applied each month. Version control: Strong version control allows us to improve our categorisation each month, whilst not breaking models. Unrivalled foundation: Engine trained on the richest data bank in the UK, with >1bn transactions from 60+ financial institutions.