Insights on Changing Consumer Behavior (FIRST)

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Data Insights



ARM Insight’s data sets enable you to gain insight into market segments not available in other transaction panels. Learn from daily feeds of card data transactions from millions of cards and payments transactions—all safe, statistically significant, and featuring unprecedented granularity.

How Does ARM Insight’s Data Sets Provide Deeper Insight?


Trends in non-cash payments, by number, 2000-2017

Each year the Federal Reserve does a study on the core non-cash payment types and systems that support everyday payments by U.S. consumers and businesses. Not surprisingly, checks are continuing to decline, but consumers and businesses are turning to many different payment types for their everyday usage. Debit cards and credit cards are the primary payment type being used, but there is significant growth in the use of the ACH system and prepaid debit cards, which brings additional insights into transaction data. Gaining insight into the trends and patterns across all of these payments types brings greater clarity for business decisions.


ARM Mimic Data Suite and ARM Direct Date Suite contain transaction data across millions of cards and millions of consumers with multiple years of historical data.  To learn more about these products, visit our Data Products page


From Amazon to Target to United Airlines, the insights you gather will always be more valuable when you know the transaction’s origin. ARM Insight data products allow you to:

Access the “truth” of actual transaction data history, location, type, and volume—not just trends.


Gain insight into Millennial, Gen Z, and the underbanked market segments that are under-represented in other transaction data sets.


Protect consumer privacy while enabling more flexible analysis of safe data.


Delve into more transactions for deeper insights using synthetic data, which allows 100% data rights while retaining all statistical significance.

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