ATP Index can be used alone or incorporated into models that incorporate consumer financial variables. ATP Index can help marketers more efficiently assess customer portfolios, enhance targeting, better identify high-potential households for marketing efforts, tailor promotions, rank leads, and help inform account management. ATP Index is available for use in both offline and online applications.
Television ads cost big bucks. That’s why advertisers and their agencies should take advantage of new, more targeted TV ads to better reach their optimal audiences.
Advanced Communications Plus is a new industry specific score only available to NCTUE Plus members.
Product sheet for Advanced Energy Plus, a new score for thin hit/no file only available to NCTUE Plus members.
AudienceIntel from IXI Services, a division of Equifax can help you: Improve campaign and website performance measurement with consumer financial capacity insights. Make instant, data-driven budget allocation decisions with campaign performance insights. Verify your actual audience to better understand what type of audience is viewing and responding to your online ads and website. Real-time, interactive dashboard allows easy “on-the-fly” report visualization, customization and exports.
Manage your collateral risk with a market-leading AVM
Applying segmentation best practices can drive improved marketing and sales performance, and operational efficiency, while also creating a better, more personalized customer experience across multiple channels and touchpoints.
Marketers need to connect their digital ad spend to their bottom line. Our proprietary Closed-Loop Attribution measurement solution allows marketers to measure – in a repeatable and turnkey manner – the impact that omni-channel campaigns have on company-specific metrics and revenue, whether the ‘conversion’ was done online or offline.
ComplianceConnect helps businesses more easily and efficiently assist with compliance efforts to better manage regulatory risk and high-risk transactions. It leverages robust global data, customizable search and match functionality, and flexible technology to deliver real-time insights.
Email is a key component of an effective omni-channel marketing strategy. Almost all consumers rely on email as one of their primary channels for obtaining the information they need to conduct their daily lives. For marketers, email continues to be an economical and effective channel to connect with consumers.
CreditStyles Pro offers a suite of tools based on aggregated credit data that enables marketers and analysts to differentiate households based on their likely credit availability, needs, and usage.
Our Credit Trends SmartView application (app), available through the Equifax Ignite™ Marketplace, can provide the insight and clarity you need by offering clear, concise data visualizations that are accessible anytime via your computer, tablet or smartphone.
With onboarding, marketers can reach their offline target audiences in the digital world. Onboarding enables marketers to convert their customer or prospect data in a secure environment to a digital format that can be used for online targeting.
Discretionary Spending Dollars HD (DS$) is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. For organization addressing internal responsible banking concerns, DS$ HD provides robust discretionary spending capacity estimates at the household level without using protected-class demographics. DS$ can be used alone or incorporated into models and can help identify consumers with the estimated spending levels to afford products and services.
Discretionary Spending Dollars (DS$) from IXI Services is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. DS$ represents disposable income minus non-discretionary expenses. DS$ can be used alone or incorporated into models where consumer spending is a factor. It is best used to identify consumers with the estimated spending levels to afford various products and services and can be used in both offline and online applications.
Discretionary Spending Index (DSI) from IXI is a continuous household-based score of 1 to 1000 that ranks households by likely spending capacity and spending behaviors. It enables marketers to rank customers and prospects by estimated spending power. Discretionary Spending Index HD can be used to help improve lead generation efforts and model performance, and help uncover potential hidden opportunities among your current customer and prospect database, and is built without the use of age.
Discretionary Spending Index (DSI) from IXI Services is a continuous household-based score of 1 to 1000 that ranks households by likely spending capacity and spending behaviors. It enables marketers to rank customers and prospects by estimated spending power.
Economic Cohorts incorporates the vital visibility into household economics that has been missing from consumer segmentation products until now. Economic Cohorts segments customer and prospects based on households’ economic positions (estimated total income, ability to spend, ability to pay, and likely credit capacity), in combination with all the key demographic, lifecycle/lifestage, behavioral, lifestyle, and geographic attributes you expect from a leading consumer segmentation system.
Equifax and Jack Henry have joined forces to give financial institutions of all sizes a comprehensive solution to assess new deposit account risk and cross-sell opportunity at the time of new account origination.
Our unique Decision360 approach is to integrate fragmented datasets and insights across channels, types, and platforms.
Equifax Ignite Direct combines data, technology and analytics in a research and development environment.
Equifax Ignite Marketplace, a collection of pre-built, configurable visualization applications, accelerates the sourcing and understanding of large amounts of industry-specific data to continuously optimize and inform intelligent business strategies.
To help you address CFPB expectations while also managing the risk associated with a more inclusive account opening policy, Equifax offers a robust alternative data solution known as Insight Score for Retail Banking.
Equifax Business Value Advisor™ is a robust online valuation tool, that can provide vital information to your prospects and customers about their small business, while also helping to identify high-potential sales opportunities within your client base.
Income360 Household Direct version is now available from IXI Services, a division of Equifax. Marketing campaigns can take advantage of household-level income estimates created without components that could create obstacles for internal compliance requirements.
Income360 from IXI Services, a division of Equifax, is a continuous household-based dollar estimate of income uncapped up to $2.0 million based on both income from wages and income generated from investments. Income360 can be used alone or incorporated into models that include traditional income measures. It provides marketers and analysts with a more reliable estimate of income to improve performance for both direct marketing and online targeting campaigns.
Overview of InstaTouch ID Mobile Identity Service
InterConnect is a flexible and secure cloud-based platform that converts complex inputs into actionable insights. It delivers streamlined access to diverse data sources, better attribute creation and deployment, easier rules management, stronger analytics and model integration to help you make more consistent decisions and get to market faster.
Cost-effective, quick-to-implement instant prescreen and cross-sell solution
Equifax partners with leading providers of consumer marketing lists to help you better reach your optimal prospects as well as to augment your company’s existing customer database. Our list services enable marketers to access key variables for their prospecting and customer marketing efforts.
IXI Services, a division of Equifax, offers a variety of products and services to assist Dealers and OEMs with their marketing efforts. Help fill your lead funnel, enhance CRM systems and predictive models to develop optimal shopper profiles and optimize your website with real-time insights.
Energy companies’ marketing teams can now gain insight on households’ estimated financial capacity, demographics, understand website traffic, and utilize real-time tactical applications at the point-of-service to better understand and communicate with their customers.
Acquire New Policy Holders and Identify High-potential Customers Marketers can now better identify and communicate with valuable customers that are likely to have the financial profile and behavioral characteristics to better qualify for insurance products and services
Go beyond loyalty databases and surveys by linking transaction data with consumer marketing information to help develop guest profiles. Reach more high potential guests that may have the affinity for dining out at your brands with discretionary funds to spend more
Retail marketers can now enhance segmentation efforts to better identify and communicate with valuable customers that are likely to have the financial and behavioral characteristics that match a retailer’s brand, products, and services.
New Metrics to Advance Your Marketing and Help Drive Revenue - Communications marketers want to consider new ways to use consumer insights and data to advance their efforts to acquire new customers, retain their best subscribers, and maximize lifetime value.
Optimize marketing budgets by pursuing consumers more likely to have the financial capacity for travel and leisure activities, plus have the propensity for your brand, products, and services. Augment segmentation frameworks with estimated consumer financial attributes
MLA Covered Borrower Status returns an applicant’s status, giving you the valuable,needed insight to which credit terms you must offer in order to help you quickly proceed with origination and maintain a “safe harbor” as stated in the MLA Final Rule.
All-in-one mobile banking solution for enhanced decisioning
Model Integration Tool allows you to rapidly integrate, audit and deploy custom models and scorecards with simplicity—so you can productionalize your models faster.
The Equifax Model Performance Monitoring application (app), available through the Equifax Ignite™ Marketplace, helps make it easier for you to manage ongoing regulatory requirements by providing data-driven illustrations around model performance that enable you to quickly visualize new and emerging model risk, so you can take faster action to update or revise those models.
A prebuilt app within the Equifax Ignite™ Marketplace, the Model Performance Validation app enables you to immediately visualize and validate how your current risk models are performing against your portfolio, and then compare that to how alternative models might perform.
PhoneReveal can help enhance your current customer contact strategies by providing phone number type and validity, and identifying if your customer number is a mobile, landline or Voice over IP (VoIP) phone number.
Automotive service providers need a way to improve the lead generation solutions they provide dealerships, OEMs, and auto shopping sites.
Dealerships are looking for ways to accelerate the funding and delivery of vehicles. PowerLead Offer allows dealers to extend a firm offer of credit to consumers that are in their dealership.
What if there were a way to convert online shoppers into pre-qualified leads interested in a specific vehicle? Now you can! PowerLead Qualify™ facilitates the determination of an offer for an auto loan, including credit limit, interest rate and term.
Help grow your DDA portfolio and increase marketing ROI with a unique suite of models that enable greater precision when identifying household prospects best suited for your products.
Best-in-class data security, governance and insights
Rules Editor helps improve efficiencies and decreases costs by empowering business users integrated technology to easily create, test, and edit rule policies, without the reliance on I.T. resources.
Expertise and proprietary data from Equifax allows communications marketers to better align marketing strategies to both sales and service, helping to improve campaign performance and grow stronger customer relationships.
Expand member relationships and grow revenue with market-specific solutions.
Expertise and proprietary data from Equifax allows energy marketers to better align marketing strategies to both sales and service, helping to improve campaign performance and grow stronger customer relationships.
TotalView from Equifax is a streamlined, economical way to access a broader portfolio of Equifax data sources. Consume more data from a single source. Reduce the time, investment and complexity that was once a barrier to gathering deeper intelligence.
Few restaurants leverage their wealth of transactional point-of-sale data to better understand their customers beyond their dining experience. With TokenIntel from Equifax, marketers can gain a broader understanding of their guests’ estimated financial profiles, attitudes, and demographics, and can transform their data for omni-channel marketing. In addition, by using insights on guests’ household locations, they can make more informed decisions about market potential for new site locations.
Equifax trended data solutions can help by giving you a deeper understanding of consumer financial behavior. Analyzing and trending financial data over a period of time can show you the trajectory of a consumer’s spending and repayment behavior by revealing patterns, or trends, in the data.
IXI’s interactive, web-based platform that empowers firms with customer and market intelligence based on IXI’s and Equifax’ proprietary financial, economic and credit insights. It offers a series of modules that firms can use to address their most pressing challenges, including helping firms to better understand their market position, grow customer relationships, plan outbound campaigns, and build customer loyalty
See how Equifax Commercial Services can help
Align Sales, Credit and Collections to speed revenue and reduce risk
Tools that help better protect your customers' identities
Decision 360 Video for Communications
Respond more effectively to data breach events
Help predict future consumer behavior with trended consumer credit attributes
Segment and match offers to shoppers
Visualize behavior and market trends
See emerging model risk and take action
Efficiently target, acquire and manage B2B customers
Segmentation to better market to clients
Technology has bred a new environment
Insights to help minimize risk and identify new sources of revenue
InstaTouch ID Mobile Identity Service Video
Move from strategy to profitable decisions in less time, with less complexity.
Better understand Gen Y credit card use
Help your consumers better understand their credit scores
Help optimize member relationships
Real-time credit insight to help you cross-sell
The data you need, the way you want it
Maximize your customer interactions
Serve the mass affluent segment
Commercial Financial Network (CFN) results in an expanded view of capital
Decision 360 Infographic for Communications
Are investors of exchange traded funds in your target market? Find out here.
What Millennials want, don’t want and the reason they'll pick your card
Using the right data in digital advertising can eliminate wasted spend and be critical in achieving the best results. This ebook offers tips to help marketers make smart use of advanced data, analytics and technology for improved return on their online ad campaigns.
From the moment of first contact through the entire relationship with your business customer, reducing friction and ensuring internal alignment invariably results in a more positive experience for you and your customer.
Small businesses are the golden opportunity for commercial lenders. They represent almost all businesses in the American economy. To grow and thrive, small businesses need access to capital and resources to help sustain their operations and increase revenue.
A data-driven comparison study that reveals how Equifax Dimensions can help businesses drive stronger, more profitable marketing and sales strategies by more accurately targeting high-spend consumers in the market.
Identifying the Emerging Affluent to Start Lifelong Relationships - A Financial Marketer's Guide to Mass Affluent Millennials
A deep look at the Millennial generation and how its financial profile differs from prior generations, how different groups of Millennials differ from one another, and some of the best tactics finanical marketers should employ for reaching this generation.
Five Barriers to Effective B2B Credit Risk Management — and How to Transcend Them
Travel marketers use segmentation & insights to better understand customer & prospect purchase history, location and lifestyle habits. Segmentation can assist in the identification of frequent US travelers and improve messages for more effective marketing programs.
See how reliable results and streamlined process help mitigate regulatory and reputation risk
With its strong reputation for supporting customers and the community, ACE Loans wanted an optimized process that enabled them to remain customer-focused and make smarter, faster point-of-sale decisions. The lender found what it needs in Equifax BusinessConnect.
Enhancing existing segmentation systems with estimated consumer spending measures can help identify households that are more likely to have the financial ability to purchase travel and timeshare offerings and help improve campaign efficiency.
A provider of equipment leases needed a way to more appropriately price its' short term loans based on lessee risk. Turning to Equifax for its' small business data and analytical expertise, the lender has achieved impressive results.
Top 30 bank improves customer insight and service with faster access to the latest data
A national financial services company wanted to enhance their risk models to improve their ability to identify consumers who are more likely to default. They needed a solution to help better identify consumers that pose a possible default risk.
Equifax Dimensions helps companies target the best consumers that will actively use their revolving cards
A credit card provider needed to better identify consumers who would be active on a revolving account in the next 12 months to improve targeting precision and appropriate marketing spend.
A national credit card provider wanted to increase acquisition profitability by improving the way they targeted active customers. They needed a solution to better target customers more likely to take positive action while delivering a better marketing ROI.
Equifax Dimensions Helps Increase Revenue by Supporting More Precisely Targeted Balance Transfer Offers
A national credit card company wanted to increase revenue by targeting consumers who are more likely to transfer a balance greater than $500 over a 12-month timeframe. They needed a solution that could help precisely target the best candidates for balance transfer offer.
A national lender wanted to hone the focus of their marketing spend and better identify consumers likely to open a first mortgage in the next 12 months.
Equifax Dimensions Helps Target High-Value Customers to Increase Revenue and Improve Marketing Success
A national bank wanted to build more market share and also proactively target consumers more likely to be high spenders in the next 12 months. They needed a solution to more accurately predict propensity to spend while creating profitable returns on marketing investment.
With teams making credit decisions across disparate locations and platforms, Adecco faced challenges in managing risk across its customer base. With the help of Equifax BusinessConnect, the company achieved rapid growth from better connectivity and customer visibility.
Increase the efficiency of your campaigns! Cruise marketers can apply consumer spending measures to life-stage/income segmentation systems to better identify prospective and existing cruisers that are more likely to have the discretionary funds for premium offers.
By using economic insights, retailers can better identify high-potential households who are likely to have purchase affinity. Retailers can use insights to better define audiences for marketing campaigns and help improve the efficiency of their marketing efforts.
Retailers can score their customer files with IXI’s estimated spending capacity measures to help better differentiate customers by their spending trajectories, quickly apply focused strategies to high-potential new customers, and adjust loyalty program members.
An auto manufacturer and its captive financing arm needed to provide insight to dealers on the target audience of a new model to ensure effective sales. The captive auto lender worked with the IXI™ Services division of Equifax to provide dealers with likely financial capacity and demographic information for consumers interested in a new electric model and was able to convince dealers that the financial investment was worthwhile and confirm that interested consumers were a good fit.
Lennox needed a more consistent and connected process for reviewing and approving customers and recovering debt. The company achieved this and more with the help of a world-class credit management solution from Equifax.
ACA Compliance on Autopilot
To launch its new Small Business banking division, Opus Bank wanted a commercial data provider with the same ‘relationship’ approach to business, as well as the strong mix of industry exclusive data and advanced technology that came with Equifax BusinessConnect
Watch this on-demand webinar to learn best practices for Communications Service Provider marketers, including Best Practices in Customer Lifetime Value. Communications marketers can better leverage their wealth of in-house customer data by enhancing their Customer Lifetime Value (CLV) modeling for use in customer engagement marketing activities. Equifax can help clients take advantage of their customer data, enhanced with economic data, to create more comprehensive Customer Lifetime Value calcul
Join CU Direct and Equifax to learn how credit unions can compete more effectively in today’s automotive lending environment. To thrive in this market, you need to find profitable new members, efficiently close more deals, and increase your competitive position.
View our discussion on economic trends in the mortgage industry and the impact for credit unions.
Learn how InterConnect's Rules Editor defines, tests and optimizes business rules and lets users quickly modify or create new rules, develop test data sets for repeated use, and create a more bullet-proof business strategy.
Utilities need more effective ways to assess how they serve consumers for bill payment, deposit strategies and processes. Learn how alternative data and advanced analytics can help utilities drive increased revenue and margins while reducing credit risk and loss rates
Restaurant marketers attended “Ingredients for Restaurant Success” to better understand ways to leverage the wealth of their in-house POS data for marketing activities and enterprise-wide decisions. Equifax can help clients take advantage of their internal data, enhanced with economic data, to create a more comprehensive view of guests and inform better decision-making.
Tips to help Credit Unions make the most out of their marketing investments
As banks look towards the future, a key part of the plan is better understanding the preferences and needs of their Millennial customers and how to identify which of those Millennial customers are on track to become affluent in the future.
Speakers shared valuable insights about the Military Lending Act (MLA) background and the new requirements associated with the MLA Final Rule starting October 3, 2016.
This podcast discusses CLV and Customer Equity. Better leverage in-house customer data by enhancing Customer Lifetime Value (CLV) modeling for use in customer engagement marketing activities.
Equifax can help clients take advantage of their internal data, enhanced with economic data, to create a more comprehensive view of guests and inform better decision-making.
This podcast presents ways for restaurants to leverage their in-house POS data for Customer Engagement marketing activities and enterprise decisions. Real-world examples of Best Practices are highlighted.
Equifax can help clients take advantage of their internal data, enhanced with economic data, to create a more comprehensive view of guests and inform better decision-making.
This webinar discusses ways that retailer marketers can work towards a “retail nirvana” – defined here as improved customer engagement through a 360-degree view of their customers and prospects. Many Equifax clients have used syndicated segmentation frameworks to leverage in-house and third-party data and help implement best practices, overcome departmental silos and better utilize their internal data.
Retailers - Leverage actionable segmentation data and market more effectively to your customers. Hear Best Practices in this IXI Services podcast.
Make more informed decisions with economic and consumer credit insights from Equifax
Tactics, tools and real-life brand case studies that show advertisers how they can use additional data sources to help improve their online advertising campaigns.
BusinessConnect™ Offers a Unified Customer Lifecycle Management Solution for Organizations
Decision 360 Brochure for Communications
Equifax InterConnect is a secure, cloud-based decision management platform for defining and executing decision policies at the front line. It provides a streamlined technology platform for developing powerful decisioning strategies based on easy accessibility to robust data and transparency in consumer acquisition.
The eBook, Straight Talk from the Next Generation of Credit Card Customers, discusses what Millennials want, don’t want and the number one reason they’ll pick your card over others.
The Pursuit of Profitability takes a look at the Great Recession, discusses the path of economic recovery, and presents changing financial behaviors that emerged post-recession. The eBook shares practices to help win Affluent and Mass Affluent households.
The ability to effectively target offers and foster loyalty is contingent on successfully predicting consumer behavior and spend. Trended, historical, longitudinal or time-series data is an invaluable tool for gaining practical perspective into consumer behavior.