코로나19가 가져온 오프라인 소비 패턴의 변화: 2020년 신용카드 데이터 분석

Contrary to expectations that consumer spending would decrease in 2020 due to the COVID-19 pandemic, domestic consumption maintained the level of the previous year. However, this is an illusion that occurred because the growth of the online market offset the decline in sales in the offline market. Offline consumption decreased due to quarantine activities, and the stores that mainly rely on the offline customer took a direct hit. This circumstance intensifies the in-balance between online consumption and offline consumption. In May 2020, the government distributed the first emergency disaster relief fund worth 14.2 trillion KRW to stimulate consumption. Although this policy led to a temporary consumption increase, it did not overcome the consumption bias in that customer spending was concentrated in a few industries. This study analyzed the changes in offline consumption patterns using the payment data in Seoul provided by Shinhan credit card company. In this study, we confirm the actual offline consumption pattern changes via consumer group and verify the different impacts of COVID-19 via the industry sector. At last, using the time series clustering, we divided industries into 3 different groups based on the effect of the emergency disaster relief fund.