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Consumption Expenditures in Austria & Germany: New Evidence based on Transactional Data

Author

Listed:
  • Koeniger Winfried

    (Department of Economics, University of St. Gallen, SEW-HSG, Rosenbergstrasse 22, 9000 St. Gallen, Switzerland)

  • Kreß Peter

    (Department of Economics, University of St. Gallen, SEW-HSG, Rosenbergstrasse 22, 9000 St. Gallen, Switzerland)

  • Lehmann Jonas

    (Department of Economics, University of St. Gallen, SEW-HSG, Rosenbergstrasse 22, 9000 St. Gallen, Switzerland)

Abstract

We analyze the novel transactional card expenditure data for Germany and Austria provided by Fable Data. We describe key features of the data in terms of the coverage of expenditure items, payment channels, and the distribution of expenditures across regions and time. We highlight strengths and limitations of the data, comparing them to representative but more consolidated lower-frequency information from external data sources. We find very similar expenditure patterns in Germany and Austria. We illustrate the granular, higher-frequency information across expenditure items and locations, analyzing weekday spending patterns and the evolution of consumption expenditures during the COVID-19 crisis and beyond.

Suggested Citation

  • Koeniger Winfried & Kreß Peter & Lehmann Jonas, 2026. "Consumption Expenditures in Austria & Germany: New Evidence based on Transactional Data," German Economic Review, De Gruyter, vol. 27(2), pages 87-131.
    • Handle: RePEc:bpj:germec:v:27:y:2026:i:2:p:87-131:n:1002
    DOI: 10.1515/ger-2024-0110
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    Keywords

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    JEL classification:

    • C80 - Mathematical and Quantitative Methods - - Data Collection and Data Estimation Methodology; Computer Programs - - - General
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth

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