SpendingPulse

Mastercard SpendingPulse™ is a macroeconomic indicator of retail sales measuring in-store and online retail sales across all forms of payment. Mastercard SpendingPulse solutions answer key business questions by using anonymized aggregate sales activity in the Mastercard payments network, coupled with survey-based estimates for other payment types, such as cash and check. Key questions include:

• How does my organization’s performance compare to that of the industry?

• What are key upcoming sales days for consumers, and how can my organization best capitalize on them?

• How are consumers spending across channels (online vs. in-store), and how will that change?

• Based on historical performance, growth, density and volume of spend, where should we open a new location?

SpendingPulse insights enables organizations to look at sales estimates at the different geographic location granularities: county, DMA and state level. SpendingPulse industry sectors available include: Total Retail excluding Auto, Apparel, Department Stores, Electronics, Fuel & Convenience, Grocery, Home Furniture & Furnishings, Home Improvement, Jewelry, Lodging, Airlines, and Restaurants.

• Forecasting: utilize SpendingPulse retail sales estimates and forecasts to triangulate and optimize your own business forecasts nationally, regionally, locally.

• Performance Benchmarking: compare your own business’ revenue /sales performance versus different SpendingPulse consumer purchase channels (online and in-store). Identify over- and under-performing markets or sales regions relative to overall market demand. Activate sales, promotions, and marketing / advertising incentives to capitalize on growth or recoup potential losses relative to peers.

• Executive Briefings: contextualize the ever-changing retail landscape, effect of policy changes, and other local / national events with timely insights and granular data for your leadership team, board of directors.

• Corporate Strategy & Real Estate: monitor overall retail performance for different locations to inform corporate relocations and optimize your omnichannel real estate and distribution footprint.

• Marketing & Promotions: better align marketing placements with high-demand times of year and purchase channels.

The below table illustrates the data file layout, which provides actuals and forecasts by purchase channel (in-store, online, total), by day (2018 – current month + 12-month forecasts), and by several geographies (county, DMA, State, Country).

The datasets are updated monthly the week after calendar month close. More frequent data updates (weekly) are available directly from Mastercard – please inquire if this is business critical.

All geographic and purchase channel data splits are internally consistent and sum to total. e.g., sum of all states = Total USA sales $ figure for same time periods.

In-store transactions are allocated based on the physical address of the brick-and-mortar store, Online transactions are allocated based on cardholder zip codes and scaled for population counts.

If certain geographies are not reported in SpendingPulse data, they did not pass internal Mastercard data controls for data privacy and obfuscation. Typically meaning a very small number of merchants operate in the sector/geography combination in question.

Full SpendingPulse sector data available for purchase individually. Please inquire for bundled pricing or Mastercard consulting support (available).

SpendingPulse data and insights are for companies’ internal (non-public) business purposes and should not be re-distributed in any way without prior consent of Mastercard. Further, SpendingPulse insights are not investment advice nor should it be relied upon as investment advice.

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Mastercard (NYSE: MA)

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.

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