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First Rate is an expert in overseas consumer spending trends. Using reputable research agencies, our dedicated in-house insight and research team analyses data from thousands of holiday-makers every year to identify existing and emerging travel expenditure trends. We also commission extensive bespoke research to dig deeper into these trends using focus groups and discussions, and have access to some of the most robust and insightful consumer databases. Working with us will enable you to tap into this wealth of knowledge and grow your FX business.