Direct, diverse sourcing
A panel is only as stable as the sources underneath it. Diverse, direct relationships reduce reliance on any one provider, platform, or collection method.
The alternative data market is full of feeds that look similar on the surface. The difference is what sits underneath: how the data is sourced, who it represents, how reliably it holds over time, and how quickly it reaches your team.
Facteus combines diverse, direct financial institution sourcing with verifiable validation, product-level depth, and flexible delivery. So investors, businesses, and agencies can act on signal they can defend.
A dataset can look complete in a demo and still hide coverage gaps, bias, decay, or limitations that only become clear after your models, forecasts, or campaigns depend on it.
Before trusting any source with an important decision, look closely at four things:
A panel is only as stable as the sources underneath it. Diverse, direct relationships reduce reliance on any one provider, platform, or collection method.
Coverage should be validated against known population and economic benchmarks, not described with broad claims that cannot be checked.
Insight needs to arrive while it is still actionable. And it needs to remain consistent enough to support forecasting, benchmarking, activation, and long-term analysis.
Merchant-level data can tell you how much was spent and where. Brand-, product-, and UPC-level data can tell you what actually sold and where the opportunity is. You should have the option of both.
The durability of a consumer transaction dataset is largely determined before any modeling begins. Panels built from a small number of upstream suppliers, licensed feeds, receipts, scraping, or opt-in programs inherit the biases and risks associated with those inputs. A change at one source can ripple through coverage, representativeness, historical continuity, and the reliability of the resulting signal.
Facteus sources transaction data directly from more than 18 banks, credit unions, financial institutions, and fintech partners. That diversified foundation helps the panel remain broad, representative, and stable over time.
Years of data science and economic benchmarking then turn that foundation into signal your team can validate and not have to trust blindly.
Not all datasets are built the same. Evaluate the sourcing, coverage, validation, depth, and delivery behind the signal.
| Others | Facteus | |
|---|---|---|
| Sourcing | Often opt-in, rewards-linked, or other self-selection bias | Passively sourced directly from 18+ banks, credit unions & fintechs |
| Representativeness | Skew regional / deal-sensitive (not publicly disclosed) | Within 2pp of census by state, 4.5pp by generation |
| Validated accuracy | Not publicly disclosed | 92% average correlation to U.S. Census |
| Scale | ~100M - 150M total accounts (with much fewer active accounts) | 200M active U.S. consumer cards |
| Product granularity | Merchant-level; some access to UPCs | Merchant, brand & product-level with 8M+ UPCs |
| Bias | Self-selection inherent to opt-in | No recall or self-selection bias |
| Freshness | Product-dependent | Daily; ~70% fill within 1 day |
Coverage spans U.S. geographies, generations, and economic classes without relying on consumer recall, email receipt sharing, or a single upstream data supplier.
Representativeness and accuracy are measured against the U.S. Census, BEA PCE, and reported quarterly earnings and disclosed through specific, verifiable figures.
Move from broad consumer spending trends to merchants, brands, stores, categories, and individual products without stitching together datasets from multiple partners.
Daily delivery and flexible access give analysts, strategists, and data teams timely signal in the format that fits their workflows.
Whether you are building a position, setting a forecast, evaluating a market, or activating an audience, Facteus gives you the depth and flexibility to move from data to action.
Build models, benchmark performance, monitor company trends, and test investment theses against deep, continuous transaction histories.
Understand market share, share of wallet, cross-shopping, customer loyalty, geographic performance, and changes in consumer demand.
Build off-the-shelf or custom audience segments based on real consumer purchase behavior, not self-reported interests or assumed intent.
Start with ready-to-use dashboards and KPIs or work directly with row-level and aggregated data through your existing infrastructure.
Facteus is more accurate than tools we've used in the past — letting us make decisions faster and with a higher degree of confidence.
Meet with our team to compare Facteus against your current data source and see how the coverage, stability, depth, and delivery differ.
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