Korea Card Spending Statistics - 한국 카드 소비 통계

What does Korea Card Spending Statistics do?

Korea Card Spending Statistics is a Korea card spending tracker that fetches official Korean credit and debit card transaction data from two authoritative government APIs: the Korea Credit Finance Association (여신금융협회) via the Public Data Portal (data.go.kr) and the Financial Supervisory Service statistics system (FISIS). The actor returns monthly approval counts, transaction amounts in KRW, and year-over-year change rates, sliced by industry sector and Korean province. All data is published under the Korea Open Government License, permitting free commercial use.

Why use Korea Card Spending Statistics?

The only programmatic interface to official Korean consumer spending data — zero scraping risk. Because every record comes from licensed government APIs rather than bank portals or private data vendors, this actor is both legally clean and structurally stable:

• Macro research and consumer trend monitoring — track total Korean consumer spending data month-by-month against interest rate cycles, inflation prints, and policy events from the Bank of Korea.
• Sector rotation signals — compare YoY spending growth across 10 industry codes (restaurants, retail, healthcare, education, travel, and more) to identify leading and lagging sectors ahead of earnings releases.
• Regional retail site selection — use province-level credit card transaction analytics to map spending density across Seoul, Busan, Gyeonggi, and 14 other Korean regions for physical location decisions.
• E-commerce vs. offline trend analysis — the online_offline mode reveals the structural shift to digital commerce in Korean consumer behavior, useful for platform investment analysis.
• Academic and policy research — clean, government-sourced data with stable field definitions and full historical depth for econometric modeling and policy impact studies.

How to use Korea Card Spending Statistics

1. Visit data.go.kr and register for a free account.
2. Search for "여신금융협회 카드승인통계" and click "활용신청" — API key approval is typically instant or within 1 business day.
3. Open the actor on Apify, paste your service_key, and select a stat_type (total_monthly, by_industry, by_region, or online_offline).
4. Set start_period and end_period in YYYYMM format.
5. Optionally add an industry_code or region_code filter to narrow results.
6. Click Run — results appear in the dataset within seconds.

Input

Parameter	Type	Required	Description
service_key	string	Yes	API key from data.go.kr — free registration
stat_type	select	Yes	total_monthly, by_industry, by_region, or online_offline
start_period	string	Yes	Start year-month in YYYYMM format (e.g. 202401)
end_period	string	Yes	End year-month in YYYYMM format (e.g. 202412)
industry_code	string	No	Filter by industry code (only for by_industry mode)
region_code	string	No	2-digit region code (only for by_region mode, e.g. 11 for Seoul)
max_results	integer	No	Max records per API call (default: 500)

Industry codes (by_industry mode):

Code	Industry
01	Restaurants (음식점)
02	Retail / Shopping (유통/쇼핑)
03	Travel / Transport (여행/교통)
04	Healthcare (의료/병원)
05	Education (교육)
06	Telecom (통신)
07	Daily Services (생활서비스)
08	Culture / Leisure (문화/레저)
09	Utilities (공과금)
10	Other (기타)

Region codes: 11 Seoul · 21 Busan · 22 Daegu · 23 Incheon · 24 Gwangju · 25 Daejeon · 26 Ulsan · 29 Sejong · 31 Gyeonggi · 32 Gangwon · 33 Chungbuk · 34 Chungnam · 35 Jeonbuk · 36 Jeonnam · 37 Gyeongbuk · 38 Gyeongnam · 39 Jeju

Output

Each record represents one period/category data point:

[
  {
    "period": "202412",
    "stat_type": "by_industry",
    "industry_code": "01",
    "industry_name": "음식점",
    "region_code": null,
    "region_name": null,
    "approval_count": 312450000,
    "approval_amount_krw": 8920000000000,
    "yoy_change_pct": 3.2,
    "source": "Korea Credit Finance Association (data.go.kr)"
  },
  {
    "period": "202412",
    "stat_type": "by_region",
    "industry_code": null,
    "industry_name": null,
    "region_code": "11",
    "region_name": "서울",
    "approval_count": 1240000000,
    "approval_amount_krw": 42100000000000,
    "yoy_change_pct": 1.8,
    "source": "Korea Credit Finance Association (data.go.kr)"
  }
]

Data fields

Field	Description
period	Year-month string (YYYYMM)
stat_type	Mode of statistic: total_monthly, by_industry, by_region, or online_offline
industry_code	Industry sector code (by_industry mode only)
industry_name	Industry name in Korean
region_code	2-digit Korean province code (by_region mode only)
region_name	Province name in Korean
approval_count	Total number of card approval transactions (integer)
approval_amount_krw	Total approved transaction amount in KRW (integer)
yoy_change_pct	Year-over-year change percentage (float, null if unavailable)
source	Data source identifier (API endpoint used)

Cost estimation

Scenario	Records	Estimated Cost
Total monthly, 12 months	12	~$0.01
By industry (all sectors), 12 months	~120	~$0.12
By region (all provinces), 12 months	~200	~$0.20
Full dataset (all modes), 24 months	~650	~$0.65

Pricing: $0.001 per run start + $0.001 per spending record returned.

If the primary data.go.kr API is unavailable, the actor automatically falls back to the FISIS (금융감독원) endpoint for total_monthly queries — no API key required for the fallback source.

FAQ

Is a paid subscription required for the government API? No — the data.go.kr API key is completely free. Registration takes under 5 minutes and API approval is typically instant or within 1 business day. There are no usage fees from the Korean government side.

How far back does historical data go? The Korea Credit Finance Association API provides data from at least 2015 onward for most indicator types. Set start_period to 201501 to test the earliest available data for your target stat_type.

What happens if the primary API is down? The actor includes automatic fallback logic. For total_monthly queries, it will attempt the FISIS endpoint which requires no API key. If both sources fail, a diagnostic record is pushed listing alternative data sources with signup links so you can debug quickly.

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Disclaimer: This actor retrieves data from official Korean government APIs under the 공공누리 제1유형 (Korea Open Government License Type 1), which permits free commercial use with attribution. This actor is not affiliated with the Korea Credit Finance Association, the Financial Supervisory Service, or the Korean government. Users are responsible for complying with the terms of any API keys obtained from data.go.kr.

Keywords: Korea card spending tracker, Korean consumer spending data, credit card transaction analytics, South Korea, 여신금융협회, Korea economic data, retail spending, consumer trends, government statistics, debit card

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