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Business and sector insights

ANZ Insights Paper: Using your business transactional data to understand your customers

August 2026

More and more Kiwi are using debit and credit cards for payment. Analysing the data from these digital transactions may provide insights into the changing behaviour, expectations and preferences of your customers.

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Summary of the paper

Understanding customer behaviour is key for business growth and informed decision-making.

This paper explores how merchant transaction data and payment analytics can help reveal who your customers are, where they come from, when they buy, and how they pay.

Using examples from ANZ Merchant Intelligence Reports, it can show how aggregated transaction data could uncover customer trends, spending patterns, and growth opportunities for your business.

The paper also highlights how transaction analytics could help support marketing, customer acquisition, retention, operations, and product development.

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