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.
An overview of our Affordable Care Act Management Essentials Solution for employers.
Put ACA compliance on autopilot
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
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.
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.
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.
I-9 Management offers an automated process, compliance management, and audit preparation through: E-Verify integration, dispersed employee management, paper to electronic conversion, and 'soon to come' audit and remediation tools.
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.
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.
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.
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.
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.
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.
For employers, Unemployment Cost Management (UCM) can be really compliated. Equifax puts more than 65 years of experience, our CaseBuilder technology workflows, and UCM management and reporting best practices to work for more than 6,000 employers nationwide.
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 Hard Rock found success managing ACA compliance with Benefitfocus + Equifax.
See how Jackson Healthcare found success managing ACA compliance with Equifax.
See how Staffmark found success managing ACA compliance with Equifax.
See how Temple University found success managing ACA compliance with Equifax.
Expertise. Data. Technology.
End-to-end ACA compliance and benefits solution
See how Equifax Commercial Services can help
Align Sales, Credit and Collections to speed revenue and reduce risk
Decision 360 Video for Communications
Help predict future consumer behavior with trended consumer credit attributes
Visualize behavior and market trends
See emerging model risk and take action
Segmentation to better market to clients
Technology has bred a new environment
Insights to help minimize risk and identify new sources of revenue
Better understand Gen Y credit card use
Integrate, audit and deploy models and scorecards
Create, test, and edit rule policies for better decisioning
Processes and innovation deliver
Help optimize member relationships
Maximize your customer interactions
Serve the mass affluent segment
Commercial Financial Network (CFN) results in an expanded view of capital
Uncover Hidden Revenue Potential Within your Current Customer Portfolio
Decision 360 Infographic for Communications
What Millennials want, don’t want and the reason they'll pick your card
Usage data for automated employment and income verifications
Learn more about subsidies and their impact on both employees and employers. You'll find answers to the most common question like: What is a subsidy? Who should or should not get one? How and when I should appeal a subsidy? How does the subsidy process work?
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.
Learn about the often overlooked unemployment tax issues that should be considered in the M&A transaction management process.
As the industry leader in ACA compliance, Equifax is helping clients manage eligibility, affordability, and IRS reporting for over 41 million employees. Download our resource to identify all 10 challenges and learn how your team can over come them. Throughout the process of onboarding hundreds of clients, we have noticed 10 common ACA compliance challenges.
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.
Jackon Healthcare improves ACA compliance through a cutting-edge analytics platform from Equifax.
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.
Learn how Hard Rock has been able to improve employee engagement in benefits, reduce its risk and slash administrative tasks related to ACA compliance, while freeing up resources and helping control healthcare costs.
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
During this webinar, we’ll draw upon our experience helping hundreds of employers manage ACA to share the top 10 things that you need to know to ensure success in 2016.
Join us to hear more about the impact that the ruling will have on employers. We’ll also discuss the complex processes involved in ACA management and best practices around: Data management, IRS reporting, subsidy notifications and more.
Join the Equifax ACA experts as they reveal the top 10 things that employers must know NOW about ACA 1094/1095 reporting and share best practices for avoiding compliance roadblocks.
During this webinar, we'll provide an overview of the subsidy application and appeal processes and how this can translate into IRS fines down the road.
Join Intuit®, the provider of TurboTax® software, and Equifax Workforce Solutions, a leading provider of ACA compliance solutions, to learn more about their experience with tax reporting for ACA and hear best practices to prepare for the new requirements.
Jeff Taylor of Equifax and Rachel Stevens of Staffmark walk through the “nuts and bolts” of the subsidy process, explain options available to employers when receiving Marketplace notices, and share best practices on handling subsidy appeals. Stevens also shares how she is successfully managing the subsidy process and handling delicate communication with employees whose subsidies are appealed.
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
Chad Richter, a leading labor attorney with Jackson Lewis, reviews key compliance challenges employers face in 2014.
A leading immigration attorney at Ogletree Deakins provides an overview of the comprehensive immigration reform bill passed by the U.S. Senate, with special emphasis on the potential impact on employers.
Decode IRS reporting and subsidy management for the ACA. See examples of complex employment scenarios and how they play out in terms of 1095-C reporting. Learn best practices for data collection and management, form 1095-C distribution, and subsidy appeals management.
Often businesses overlook 'hidden' tax credits, due to a variety of factors. This webinar focuses on federal and state tax credits, applicable to most industries.
During this webcast we will discuss: current economic environment, outlook for federal and state UI tax rates, road to solvency for state UI trust funds, and unemployment cost management strategies.
During this webinar, we’ll share ideas for developing an employee education plan for the Form 1095 and best practices for executing on your plan.
During this webinar, we’ll discuss best practices for preparing your data to populate the forms, registering to e-file with the IRS, filing an extension, and maintaining an audit trail to help with fine disputes down the road.
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.
During this webcast we will discuss: common types of workforce restructurings, compliance requirements, unemployment tax rate impacts, ability to carryover wage bases (FICA, FUTA & SUI), "SUTA Dumping" detection and other risks
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.
As employers are well aware, time is not on their side at this point – especially if they have not begun putting a process in place to prepare for IRS Reporting. Join our experts as they discuss navigating the murky waters of IRS reporting for the ACA.
With a better understanding of 1095-C forms and a thoughtful employee education plan, you can set your organization up for success in piecing together the ACA puzzle. Join the expert ACA team from Equifax to discuss the impact of the new regulations and Administration on ACA, tips for preventing form 1095 errors and minimizing corrections, ideas for developing a plan to get ahead of employees’ 1095-C confusion, and strategies for handling sensitive subsidy appeal discussions with employees.
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.
Make more informed decisions with economic and consumer credit insights from Equifax
Chief Economist Amy Crews Cutts delivers insights that can help drive strategic growth at your organization. During this webinar, Amy will discuss: • U.S. Economic Overview • U.S. Consumer Credit Trends • Special Report: Recession Outlook Whether you lead Credit Risk, Corporate Risk, Strategy & Planning, or Marketing, you will gain valuable economic and consumer credit insights to help drive strategic growth.
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.
While many employers believe they do not have to worry about IRS reporting for the ACA until 2016, the reality is that they must begin preparing in January of 2015 in order to file in 2016. Join us as we break down IRS reporting for the ACA.
During this webinar, we'll provide an overview of employers' lessons learned during the first year since the Employer Mandate took effect and how organizations can apply that insight moving forward.
The presentation focuses on significantly increasing employers' ability to identify additional eligible Katrina WOTC credits by using Equifax proprietary data assets to verify additional eligibility, isolate the individuals not previously captured, and recover those tax savings for your organization.
Application fraud and account takeover are rapidly rising in the U.S. and many FIs financial institutions are scrambling to deploy mitigating controls. At the same time, the rising bar of customer expectations is pressuring FIs them to remove friction and increase functionality to create seamless digital experiences for their customers.
Join the team of Equifax Workforce Solutions ACA experts as they discuss the importance of handling subsidy notifications correctly and what can happen if things go awry.
Get our toolkit of valuable resources to help educate employees on ACA Form 1095, including a communication plan, email templates, a poster, FAQs, and more.
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
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 California Zone Program was repealed as of January 1, 2014, however many zone offices have chosen to close their doors before December 2014 deadline.
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.
As the industry leader in ACA compliance, Equifax is helping clients manage eligibility, affordability, and IRS reporting for over 41 million employees. Download our visual guide to identify the top ten challenges employers face in 2017 and learn how your team can be prepared.
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.