# Terms
### Retail Brand
An individual retail brand or a registered corporation.
***
### Industry
An industry category independently classified by WISERETAIL based on payment behavior.
WISERETAIL Industry
{% hint style="info" %}
The WISERETAIL taxonomy consists of 27 industries.
{% endhint %}
 Education
 Rental
 Duty free shop
 Stationery/Fancy
 Pet
 Delivery
 Department/Shopping mall
 Service
 Supermarket
 Food
 Glasses
 Leisure/Culture
 Travel
 Eat out
 Beverage
 Clothing/Fashion
 Hair/Nail/Body
 Internet Service
 Furniture/Interior
 Car
 Electronics
 Bread/Cake
 Chicken
 Convenience store
 Hamburger/Pizza
 TV/Internet shopping
 Cosmetics
***
### Company
The company that owns and operates the retail brand.
***
### Ticker
A unique code used to identify a listed security in the stock market.
***
### Net Payment Amount
{% columns %}
{% column %}
The amount calculated by subtracting the total payment cancellation amount from the total payment amount.
{% endcolumn %}
{% column %}
{% endcolumn %}
{% endcolumns %}
***
### Total Payment Amount
The total amount paid to a retail brand via credit cards or debit cards, both online and offline.
{% hint style="info" %}
* Value-added tax (VAT) is included.
* For installment payments, the full amount is included at the time of the first installment.
* Payments made through online/offline malls or platforms (e.g., Google, Kakao) are recognized as payments to the respective platform.
* For point or digital wallet, the amount at the time of top-up is recognized as the payment amount.
* Payments made in foreign currencies (e.g., USD) are converted to KRW based on the applicable daily exchange rate.
* Payments made via bank transfers, cash, or gift cards are excluded.
{% endhint %}
***
### Total Payment Cancellation Amount
The total amount of canceled payments.
***
### Total Number of Payments
The total number of payment transactions made to the retail brand.
***
### Total Payers
The number of people who made at least one payment to the retail brand.
{% hint style="info" %}
Multiple payments by the same person are counted only once.
{% endhint %}
***
### Payment Amount per Payer
{% columns %}
{% column %}
The total payment amount divided by the number of total payers, representing the average amount paid by each payer.
{% endcolumn %}
{% column %}
{% endcolumn %}
{% endcolumns %}
***
### Payment Amount per Payment
{% columns %}
{% column %}
The total payment amount divided by the total number of payments, representing the average amount per payment.
{% endcolumn %}
{% column %}
{% endcolumn %}
{% endcolumns %}
***
### Payments per Payer
{% columns %}
{% column %}
The total number of payments divided by the number of total payers, representing the average number of payments per payer.
{% endcolumn %}
{% column %}
{% endcolumn %}
{% endcolumns %}
***
### Days per Payer
{% columns %}
{% column width="50%" %}
The total payment days divided by the number of total payers, representing the average number of days a payer made payments.\
Total payment days are calculated as the number of days on which a payer made at least one payment.
{% endcolumn %}
{% column width="50%" %}
{% endcolumn %}
{% endcolumns %}
***
### Growth Rate
{% columns %}
{% column %}
The rate at which an indicator has changed compared to the previous period.
{% endcolumn %}
{% column %}
{% endcolumn %}
{% endcolumns %}
***
### Payers by Criteria
{% columns %}
{% column %}
Payers by Criteria are divided into three groups according to loyalty.
Payers by Criteria are divided into Light, Middle, and Heavy payers.
The criteria for classifying groups are the criteria indicator average value for 50% of the lower payers and the criteria indicator average value for 50% of the upper payers.
The criteria indicator is Payment Amount.
{% endcolumn %}
{% column %}
{% endcolumn %}
{% endcolumns %}
***
### Churn Payers
Payers who paid to the retail brand in the previous period but did not pay to it in the current period.
{% hint style="info" %}
Within the same industry, churn payers may be counted more than once.
{% endhint %}
***
### Inflow Payers
Payers who paid to other retail brands in the previous period but paid to the retail brand in the current period.
{% hint style="info" %}
Within the same industry, inflow payers may be counted more than once.
{% endhint %}
***
### by Gender
In WISERETAIL, gender is classified as male or female.
***
### by Age Group
{% columns %}
{% column %}
In WISERETAIL, age groups are classified as 20s or under, 30s, 40s, 50s, and 60s or more.
{% endcolumn %}
{% column %}
{% endcolumn %}
{% endcolumns %}
***
### Retail Brand with possible statistical errors
{% columns %}
{% column width="83.33333333333334%" %}
Retail brands for which only limited indicators are disclosed due to insufficient data to provide stable statistics.
{% endcolumn %}
{% column width="16.666666666666657%" %}
{% endcolumn %}
{% endcolumns %}
***
### Retail Brand with no data
{% columns %}
{% column width="83.33333333333334%" %}
Retail brands for which data cannot be displayed because they do not meet statistical requirements, the brand cannot be clearly identified in payment records, or the actual retail brand cannot be classified by WISERETAIL.
{% endcolumn %}
{% column width="16.666666666666657%" %}
{% endcolumn %}
{% endcolumns %}
---
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