“…For 2018, the dataset includes 52.9 million transactions, and over 68 billion euros. BBVA data has been used in previous academic works for different objectives with outstanding results (Alfaro Martinez et al, 2016;Aparicio et al, 2021;Hashemian et al, 2017;Lenormand et al, 2015;Sobolevsky et al, 2015Sobolevsky et al, , 2016Sobolevsky, Sitko, Grauwin, et al, 2014;Yoshimura et al, 2020).…”