Unlocking Consumer Patterns for CredPal’s Credit Ecosystem

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Unlocking Consumer Patterns for CredPal’s Credit Ecosystem

Kumo Pascaline

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Unlocking Consumer Patterns for CredPal’s Credit Ecosystem

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This project uses Tableau to analyze global consumer behavior, identifying Sub-Saharan Africa and Europe as the highest-potential markets for CredPal’s credit expansion due to their superior average monthly incomes (>$34M) and strong savings rates (over 25%). By correlating income, expenditure, and regional preferences, the analysis reveals that credit demand is strongest in necessity-driven categories like Office Supplies and Household Products, while high engagement in Personal Care and Apparel offers key opportunities for targeted credit bundling. Ultimately, the project provides a data-driven roadmap for market prioritization and risk optimization, suggesting that integrating regional financial discipline