Combining ATF and CTH delivers insights beyond what any bank has today. ATF tells you what businesses are doing and is the merchant’s economic heartbeat. What it cannot reveal is who the customers are, where they come from, how they behave across merchants, and whether the sector is growing or shrinking from the consumer side.
CTH tells you what people are doing and is the consumer’s economic heartbeat. What it cannot reveal is how a specific merchant is performing, how that merchant compares to competitors, whether the merchant is gaining or losing share, and how the merchant’s revenue is trending.
In order to get the full picture, ATF and CHT must be combined and doing so unlocks insights no bank has today.
The model below simulates insights BBVA, Caixa, Sabadell and Santander generate from Aldo, Carrefour, Lidl and Mercadona using an ATF/CHT fusion. Select one bank and market vision drops; select all and market coverage increases. CQ not only merges ATF and CHT but it also enables banks to safely share this type of information for superior metrics based on absolute market coverage.
CQ is for bank CMOs and CROs and intended to deliver critical insights to bank business customers delivered exclusively through digital banking environments. ATF reveals what merchants are doing, CTH what customers are doing. CQ turns both into real‑time market intelligence and risk insight.