Consumer Spending Pattern (Demographic × MCC)
R-DEMOGRPH-S1
Cross-MCC Affinity / Market Basket
R-MKTBSK-S2
Travel Spend Personas
R-TRVLPRS-S3
Spend Calendar (Per-Customer Day-of-Month)
R-SPCAL-S5
Time-of-Day Spend Heatmap
R-TIMEHM-S6
Subscription Stack Detection
R-SUBSCRB-S7
Life-Event Inference
R-LIFEVT-S9