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Specifically, it provides a correlational analysis of payment behavior across sociodemographic groups, demonstrates the potential of payment data to infer sociodemographic information, and proposes a methodology for enriching card data with this information. This article reveals that sociodemographic groups exhibit different payment behaviors, that groups can be inferred from payment data, and that anonymized card data can be enriched with sociodemographic information. The proposed methodology enables public institutions to complement surveys with timely sociodemographic insights from anonymized card data, reducing costs, easing participant burden, and allowing more frequent updates.<\/jats:p>","DOI":"10.1145\/3797478","type":"journal-article","created":{"date-parts":[[2026,2,19]],"date-time":"2026-02-19T11:54:12Z","timestamp":1771502052000},"page":"1-23","update-policy":"https:\/\/doi.org\/10.1145\/crossmark-policy","source":"Crossref","is-referenced-by-count":0,"title":["You Are How You Pay: Understanding and Identifying the Payment Behavior of Sociodemographic Groups"],"prefix":"10.1145","volume":"7","author":[{"ORCID":"https:\/\/orcid.org\/0009-0005-9519-9896","authenticated-orcid":false,"given":"Aurel Ruben","family":"M\u00e4der","sequence":"first","affiliation":[{"name":"Swiss National Bank","place":["Z\u00fcrich, Switzerland"]},{"name":"\u00c9cole polytechnique f\u00e9d\u00e9rale de Lausanne","place":["Z\u00fcrich, Switzerland"]}],"role":[{"role":"author","vocabulary":"crossref"}]},{"ORCID":"https:\/\/orcid.org\/0009-0003-0475-1952","authenticated-orcid":false,"given":"Matthias","family":"J\u00fcttner","sequence":"additional","affiliation":[{"name":"Swiss National Bank","place":["Z\u00fcrich, Switzerland"]}],"role":[{"role":"author","vocabulary":"crossref"}]},{"ORCID":"https:\/\/orcid.org\/0000-0001-5488-2182","authenticated-orcid":false,"given":"Daniel","family":"Gatica-Perez","sequence":"additional","affiliation":[{"name":"Idiap Research Institute","place":["Martigny, Switzerland"]},{"name":"\u00c9cole Polytechnique F\u00e9d\u00e9rale de Lausanne","place":["Martigny, Switzerland"]}],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"320","published-online":{"date-parts":[[2026,4,20]]},"reference":[{"issue":"7","key":"e_1_3_3_2_2","doi-asserted-by":"crossref","first-page":"1220","DOI":"10.1002\/jae.3076","article-title":"Nowcasting Norwegian household consumption with debit card transaction data","volume":"39","author":"Aastveit Knut Are","year":"2024","unstructured":"Knut Are Aastveit, Tuva Marie Fastb\u00f8, Eleonora Granziera, Kenneth S\u00e6terhagen Paulsen, and Kjersti N\u00e6ss Torstensen. 2024. 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