Household Financial Transaction Data
综述了家庭金融交易微观数据的来源、在金融和经济研究中的应用，以及相比传统收入、支出和财富数据的优势与局限，并展望其在企业研究、实时政策分析和宏观统计中的潜力。
The growth of the availability and use of detailed household financial transaction micro data has dramatically expanded the ability of researchers to understand both household decision making and aggregate economic fluctuations across a wide range of fields. This class of transaction data is derived from a myriad of sources, including financial institutions, FinTech apps, and payment intermediaries. We review how these detailed data have been utilized in finance and economics research and analyze both their benefits and limitations as compared to more traditional measures of income, spending, and wealth. Finally, we discuss the future potential of this flexible class of data in firm-focused research, real-time policy analysis, and macro statistics.