Spend Patterns Panel transaction type misclassification

[Binzhe_Wang_MIT]

Hi,
I am looking at the spend patterns panel summaries, and I noticed wired patterns regarding transaction types. I wonder if something is going wrong in classification or its reporting.

For the entire US, it looks like this:

For some selected states, the swaps between the two types are more arbitrary in individual months:

And lastly, I observed a significant scale shift in the raw data tables starting from December 2023 (entire US).

Could you please help clarify these discrepancies? Many thanks!

Best,
Binzhe

[nolan]

Hi @Binzhe_Wang_MIT ,

Thank you for you patience on this. We were unable to replicate this trend. From an analysis, it’s shown that the debit card panel is growing over time, and the credit card panel is staying roughly stable.

Are you still noticing this trend?