The Survey of Consumer Finances (SCF) is normally a triennial cross-sectional survey of U.S. families. The survey data include information on families' balance sheets, pensions, income, and demographic characteristics.

he Survey of Consumer Finances (SCF) is a periodic survey sponsored by the U.S. Federal Reserve, conducted every three years. Its primary purpose is to gather comprehensive information on the financial status of households in the United States. Covering diverse topics such as income, assets, liabilities, and demographic characteristics, the SCF aims to present a detailed and accurate portrayal of the economic well-being of American families. This valuable dataset serves as a crucial resource for researchers, policymakers, and the public, enabling in-depth analysis of economic dynamics, wealth distribution, and income inequality trends over time. Through a combination of detailed interviews and supplementary surveys, the SCF plays a significant role in enhancing our understanding of the economic landscape within U.S. households.

VisitEngland publish results from its ongoing programme of market research whenever these are felt to be relevant to the wider tourism industry. Most of these surveys are published at http://www.visitengland.org/insight-statistics/market-research/ on completion of the project.

Surveys

The Directorate-General for Economic and Financial Affairs (DG ECFIN) of the European Commission conducts five monthly, harmonised surveys for the economies in the European Union (EU) and in the candidate countries. They are addressed to representatives of the industry (manufacturing), services, retail trade and construction sectors, as well as to consumers. A few additional questions are asked on a quarterly and biannual basis. These surveys allow comparisons among different countries’ business cycles and have become an indispensable tool for monitoring the evolution of the EU and the euro area economies, as well as monitoring developments in the candidate countries.

The Business and consumer survey (BCS) database comprises the following surveys:

Industry survey

- Monthly questions on production, order book levels, stocks of finished products, perceived economic uncertainty, selling prices and employment.

- Quarterly questions on factors limiting production, production capacity, development of (overall and export) order books and months of production assured by them, capacity utilisation, competitive position.

- Biannual questions on investment activity, as well as structure of and factors stimulating investment (annual).

Services survey

- Monthly questions on business situation, demand, perceived economic uncertainty, employment and selling prices.

- Quarterly questions on factors limiting business and capacity utilisation.

- Biannual questions on investment activity, as well as structure of and factors stimulating investment (annual).

Retail trade survey

- Monthly questions on business activity, stocks of goods, orders placed with suppliers, perceived economic uncertainty, employment, selling prices.

Construction survey

- Monthly questions on building activity and factors limiting it, order books, employment, perceived economic uncertainty, prices charged.

- Quarterly questions on operating time ensured by current backlog.

Consumer survey

- Monthly questions on financial situation, perceived economic uncertainty, general economic situation, price trends, unemployment, major purchases and savings.

- Quarterly questions on intention to buy a car, purchase or build a home, home improvements.

Indicators

Monthly Confidence Indicators (CIs) reflecting overall perceptions and expectations are calculated separately for all four business sectors covered by the survey programme, as well as consumers. The computation is done both at country and aggregate level (EU and euro area).

A monthly Economic Sentiment Indicator (ESI) is calculated based on a selection of questions from the industry, services, retail trade, construction and consumer surveys at country level and at aggregate level (EU and euro area) in order to track overall economic activity. The ESI has been calculated since 1985.

Since 2020, the set of monthly composite indicators also contains an Employment Expectations Indicator (EEI), which helps getting a timely indication of expected changes in dependent employment. The indicator is constructed as a weighted average of the employment expectations of managers in four surveyed business sectors (industry, services, retail trade and construction).

A monthly euro area Business Climate Indicator (BCI) is available for industry.

Detailed methodological information about the BCS surveys and indicators is provided in a user guide to the Joint Harmonised EU Programme of Business and Consumer Surveys: https://ec.europa.eu/economy_finance/db_indicators/surveys/documents/methodological_guidelines/bcs_user_guide.pdf

Note: Up until April 2023, the BCS surveys included a sixth survey for the financial services sector, which was only available at EU/euro area level. This survey has been discontinued.

The surveys in this collection are used to gather qualitative and quantitative information directly from users or potential users of Board publications, resources, and conference materials, such as consumers (consumer surveys) and stakeholders (stakeholder surveys). Stakeholders may include, but are not limited to, nonprofits, community development organizations, consumer groups, conference attendees, financial institutions and other financial companies offering consumer financial products and services, other for profit companies, state or local agencies, and researchers from academic, government, policy and other institutions. Publications and resources may include reports and brochures, as well as audio and visual content, whether delivered in print, online, or through other means. The frequency of the survey and content of the questions will vary as needs arise for feedback on different resources and from different audiences.

According to a survey of consumers in the United States carried out between December 2022 and January 2023, approximately ** percent of respondents reported they would gain trust in a company if it was transparent about how they use their personal data. Around ** percent of respondents reported that reducing unnecessary data collection was an additional factor that would help them gain trust in a company or brand.

Graph and download economic data for Consumer Opinion Surveys: Economic Situation: Future Tendency for Austria (CSESFT02ATM460S) from Oct 1995 to Oct 2025 about Austria, consumer sentiment, and consumer.

Spain Business Survey: Industry: Consumer Goods: Expected Trend: Production data was reported at 1.000 % in Jun 2018. This records a decrease from the previous number of 6.000 % for May 2018. Spain Business Survey: Industry: Consumer Goods: Expected Trend: Production data is updated monthly, averaging 9.000 % from Nov 1963 (Median) to Jun 2018, with 656 observations. The data reached an all-time high of 38.000 % in Feb 1999 and a record low of -30.000 % in Nov 1992. Spain Business Survey: Industry: Consumer Goods: Expected Trend: Production data remains active status in CEIC and is reported by Ministry of Industry, Commerce and Tourism. The data is categorized under Global Database’s Spain – Table ES.S001: Business Survey.

The Directorate General for Economic and Financial Affairs (DG ECFIN) conducts regular harmonised surveys for different sectors of the economies in the European Union (EU) and in the applicant countries. They are addressed to representatives of the industry (manufacturing), the services, retail trade and construction sectors, as well as to consumers. These surveys allow comparisons among different countries' business cycles and have become an indispensable tool for monitoring the evolution of the EU and the euro area economies, as well as monitoring developments in the applicant countries.

Spain Business Survey: Industry: Consumer Goods: Order Books data was reported at -5.000 % in Jun 2018. This records a decrease from the previous number of -1.000 % for May 2018. Spain Business Survey: Industry: Consumer Goods: Order Books data is updated monthly, averaging -14.500 % from Nov 1963 (Median) to Jun 2018, with 656 observations. The data reached an all-time high of 20.000 % in Oct 1973 and a record low of -60.000 % in Feb 1993. Spain Business Survey: Industry: Consumer Goods: Order Books data remains active status in CEIC and is reported by Ministry of Industry, Commerce and Tourism. The data is categorized under Global Database’s Spain – Table ES.S001: Business Survey.

NL: Capacity Utilization Rate: NACE 2 data was reported at 77.500 % in Jun 2025. This records an increase from the previous number of 77.200 % for Mar 2025. NL: Capacity Utilization Rate: NACE 2 data is updated quarterly, averaging 83.300 % from Mar 1985 (Median) to Jun 2025, with 162 observations. The data reached an all-time high of 86.500 % in Dec 1989 and a record low of 74.200 % in Jun 2020. NL: Capacity Utilization Rate: NACE 2 data remains active status in CEIC and is reported by European Commission's Directorate-General for Economic and Financial Affairs. The data is categorized under Global Database’s Netherlands – Table NL.DG ECFIN: Harmonised Business and Consumer Survey: Capacity Utilization Rate.

A survey in 2020 during the COVID-19 pandemic found that the majority of consumers were happy to share their data with companies if it improved their experience. Meanwhile, the second largest portion at ** percent of users said they did not want to share more data than they already were. Only ***** percent did not have doubts, admitting that they would always share their data with companies.

The Survey of Consumer Attitudes and Behavior series (also known as the Surveys of Consumers) was undertaken to measure changes in consumer attitudes and expectations, to understand why such changes occur, and to evaluate how they relate to consumer decisions to save, borrow, or make discretionary purchases. This type of information is essential for forecasting changes in aggregate consumer behavior. Since the late 1940s, these surveys have been produced quarterly through 1977 and monthly thereafter. Each monthly survey probes a different aspect of consumer confidence. Open-ended questions are asked concerning evaluations and expectations about personal finances, employment, price changes, the national business climate, present market conditions for the the purchasing of houses, automobiles, personal computers, and other durables, familiarity with and expected use of the Internet, views on credit card company offers and credit card usage, and information about family and company vehicles. Demographic information includes race, ethnic origin, sex, age, education, marital status, and household size and income.

Online survey software developers have seen robust revenue growth over the past five years, driven by heightened demand for real-time feedback amid economic turbulence. Companies across retail, healthcare and the public sector turned to online survey platforms to gauge shifting customer sentiment and employee satisfaction, resulting in a 17.9% surge in revenue in 2022. Research and development (R&D) spending soared as businesses sought product differentiation, while public agencies, like the US Department of Veterans Affairs, adopted survey tools for large-scale feedback. Despite controlling a collective four-fifths of the market, major companies Qualtrics and Momentive Global have remained unprofitable, with heavy R&D expenses and stock-based compensation driving persistent losses. These losses attracted private equity interest, culminating in major acquisitions by Silver Lake and STG in 2023. Revenue has surged at a CAGR of 7.6% to an estimated $2.4 billion over the five years through 2025. Innovation has become central to the online survey software industry, reshaping user experience and competition. Artificial intelligence now allows users to automate question generation, reduce bias and analyze respondents' sentiments. Features like Typeform's jumps and interactive formats have boosted completion rates. As clients expect more from their chosen platform, developers have doubled down on expensive AI enhancements and analytics tools to stay competitive. However, these advancements are costly to develop and maintain. While innovation drives revenue and market relevance, it has also stifled profitability by inflating operational costs and intensifying the need for continuous upgrades. The next five years will likely bring slower revenue growth for online survey software developers as corporate profit slumps and businesses scrutinize discretionary spending. Still, economic uncertainty will maintain demand for survey insights, especially in areas like workforce management and product development. Companies will expand their plan options, offering affordable versions for cost-conscious buyers and premium packages featuring personalized, AI-driven analytics for larger enterprises. Stricter data privacy laws will force platforms to bolster security and transparency. Revenue is set to climb at a CAGR of 2.6% to an estimated $2.7 billion through the end of 2030.

The Survey of Consumer Finances (SCF) dataset, provided by the Federal Reserve, offers comprehensive insights into the financial condition of U.S. households. This dataset is invaluable for researchers, policymakers, and analysts interested in understanding consumer behavior, wealth distribution, and economic trends in the United States.

The SCF dataset includes detailed information on household income, assets, liabilities, and various demographic characteristics. It is collected every three years and serves as a crucial resource for analyzing the financial well-being of American families.

Key Features: Income Data: Information on various sources of income, including wages, investments, and government assistance. Asset Ownership: Detailed accounts of household assets, such as real estate, retirement accounts, stocks, and other investments. Liabilities:Comprehensive details on household debts, including mortgages, credit card debts, and student loans. Demographics: Data covering age, education, race, and family structure, allowing for nuanced analysis of financial trends across different segments of the population.

Use Cases: Economic research and analysis, Policy formulation and assessment, Understanding wealth inequality, Consumer behavior studies

Citing the Dataset:

When using this dataset in your research, please ensure to cite the Federal Reserve Board and the SCF as the original source.

Note: The dataset is intended for educational and research purposes. Users are encouraged to adhere to ethical guidelines when analyzing and interpreting the data.

In late 2022, just under **** of consumers surveyed across the globe stated they were concerned about the privacy of their personal data when interacting with social media companies, making it the main type of enterprise shoppers were worried about. At only ** percent, respondents to the survey were not anxious as frequently about how their personal data is used by retail companies.

Enterprise Survey Software Market size was valued at USD 9.95 Billion in 2023 and is estimated to reach USD 15.95Billion by 2031, growing at a CAGR of 7.2% from 2024 to 2031.

Global Enterprise Survey Software Market Drivers

The market drivers for the Enterprise Survey Software Market can be influenced by various factors. These may include:

Focus on Data-Driven Decision Making: Businesses are depending more and more on data-driven decision making to improve their business strategies and run their operations more efficiently. Through data collection, analysis, and reporting, enterprise survey software gives companies useful information that helps them make smart choices based on feedback from workers, customers, and other important people. Strong survey solutions are in high demand because of the focus on using data for strategic benefit.

Projects to Improve the Customer and Employee Experience: Businesses are putting more money into projects to make customers and employees happier. Enterprise survey software is needed to do performance reviews, customer feedback surveys, and polls about how happy your employees are with their jobs. As businesses try to make the experiences of both their employees and customers better, the need for all-in-one survey tools that can collect and properly analyze feedback grows.

Global Enterprise Survey Software Market Restraints

Several factors can act as restraints or challenges for the Enterprise Survey Software Market. These may include:

High Implementation Costs: Setting up and maintaining business survey software can cost a lot of money. This includes not only the price of buying or subscribing to the software, but also the costs of integrating it, making changes to it, and teaching people on how to use it. Small and medium-sized businesses (SMEs) may not invest in these kinds of solutions because they are too expensive, which limits the growth of the market.

Integration Difficulty: It can be hard and take a lot of time to connect survey software to current business systems like CRM, HR, or ERP. Organizations may have problems with system interoperability, data transfer, and compatibility, which can make it harder for survey software to be used effectively and widely.

Content: - Quarterly GDP in euro (deflator base year 2010) from 1975 to the second quarter 2020 (extracted from EuroStat national accounts). - Monthly Business and Consumer Survey (BCS) conducted by European Commission indicator from 1985 to 2020. This indicator is supposed to show the confiance of the industries. Further information on Business and consumer surveys.

Inspiration: Forecast the GDP of Finland under the help of BCS indicator.

Surveys

The Directorate-General for Economic and Financial Affairs (DG ECFIN) of the European Commission conducts five monthly, harmonised surveys for the economies in the European Union (EU) and in the candidate countries. They are addressed to representatives of the industry (manufacturing), services, retail trade and construction sectors, as well as to consumers. A few additional questions are asked on a quarterly and biannual basis. These surveys allow comparisons among different countries’ business cycles and have become an indispensable tool for monitoring the evolution of the EU and the euro area economies, as well as monitoring developments in the candidate countries.

The Business and consumer survey (BCS) database comprises the following surveys:

Industry survey

- Monthly questions on production, order book levels, stocks of finished products, perceived economic uncertainty, selling prices and employment.

- Quarterly questions on factors limiting production, production capacity, development of (overall and export) order books and months of production assured by them, capacity utilisation, competitive position.

- Biannual questions on investment activity, as well as structure of and factors stimulating investment (annual).

Services survey

- Monthly questions on business situation, demand, perceived economic uncertainty, employment and selling prices.

- Quarterly questions on factors limiting business and capacity utilisation.

- Biannual questions on investment activity, as well as structure of and factors stimulating investment (annual).

Retail trade survey

- Monthly questions on business activity, stocks of goods, orders placed with suppliers, perceived economic uncertainty, employment, selling prices.

Construction survey

- Monthly questions on building activity and factors limiting it, order books, employment, perceived economic uncertainty, prices charged.

- Quarterly questions on operating time ensured by current backlog.

Consumer survey

- Monthly questions on financial situation, perceived economic uncertainty, general economic situation, price trends, unemployment, major purchases and savings.

- Quarterly questions on intention to buy a car, purchase or build a home, home improvements.

Indicators

Monthly Confidence Indicators (CIs) reflecting overall perceptions and expectations are calculated separately for all four business sectors covered by the survey programme, as well as consumers. The computation is done both at country and aggregate level (EU and euro area).

A monthly Economic Sentiment Indicator (ESI) is calculated based on a selection of questions from the industry, services, retail trade, construction and consumer surveys at country level and at aggregate level (EU and euro area) in order to track overall economic activity. The ESI has been calculated since 1985.

Since 2020, the set of monthly composite indicators also contains an Employment Expectations Indicator (EEI), which helps getting a timely indication of expected changes in dependent employment. The indicator is constructed as a weighted average of the employment expectations of managers in four surveyed business sectors (industry, services, retail trade and construction).

A monthly euro area Business Climate Indicator (BCI) is available for industry.

Detailed methodological information about the BCS surveys and indicators is provided in a user guide to the Joint Harmonised EU Programme of Business and Consumer Surveys: https://ec.europa.eu/economy_finance/db_indicators/surveys/documents/methodological_guidelines/bcs_user_guide.pdf

Note: Up until April 2023, the BCS surveys included a sixth survey for the financial services sector, which was only available at EU/euro area level. This survey has been discontinued.

Context

Understanding factors that support consumer financial well-being can help practitioners and policymakers empower more families to lead better financial lives to serve their own goals.

A person’s financial well-being comes from their sense of financial security and freedom of choice—both in the present and when considering the future. We measured it using our 10-item Financial Well-Being Scale.

The survey dataset includes respondents’ scores on that scale, as well as measures of individual and household characteristics that research suggests may influence adults’ financial well-being.

Content

Variables relating to question in this dataset include Income and employment, Savings and safety nets, Past financial experiences, and Financial behaviors, skills, and attitudes.

For reference on specific fields, a codebook is available online here.

Acknowledgements

This survey was originally conducted by the US Consumer Finance Protection Bureau and published online in October 2017 here.