Customer Targeting and Scoring

WealthComplete provides estimates of total assets at the household level, based on the estimated total liquid financial assets held by all US households. It is available exclusively for use by IXI Network Member Firms.

WealthComplete is best used for share of wallet opportunity analysis, asset allocation analysis and targeting potential prospects in both offline and online applications.

Investyles provides a picture of direct-measured financial assets and specific investment tendencies for US households and is available exclusively to IXI Network Member Firms.

Investyles is best used for identification of specific investment behaviors and as an input to in-house models.

Income360 is a continuous household-based dollar estimate of income uncapped up to $2 million based on both income from wages and income generated from investments.

Income360 provides marketers and analysts with a more complete estimate of household income to improve performance for both direct marketing and online targeting campaigns.

Discretionary Spending Index (DSI) 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.

DSI can be used alone or incorporated into models where consumer spending is a factor. Marketers can use DSI to enhance account management, identify cross-sell opportunities and provide appropriate offers.

Discretionary Spending Dollars (DS$) is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2 million. Based on a foundation of anonymous, direct-measured assets, DS$ represents a modeled dollar amount of what a household likely spends on discretionary items after accounting for the fixed expenses of life.

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.

CreditStyles Pro offers a suite of measures based on aggregated credit data that enables marketers and analysts to differentiate households based on their likely credit availability, needs, and usage.

CreditStyles Pro is best used for customer and prospect analysis to identify target segments based on consumers' expected credit behaviors. It enables marketers and analysts to gain insight on all types of credit usage including bank cards, retail cards, consumer finance and various mortgage type loans.

Aggregated FICO® Scores offers firms an aggregated, micro-neighborhooded form of the FICO® Score to enhance marketing applications. This enables credit grantors, insurance companies, and other firms to utilize an aggregated version of the industry accepted credit risk assessment measure for non-FCRA marketing purposes.

Based on the most widely used and accepted risk score in the marketplace, Aggregated FICO® Scores can be used by credit grantors, insurance companies, and other firms for marketing campaigns throughout the customer lifecycle, including to enhance prospecting, segmentation, campaign planning, targeting and offer development.

Small Business Assets enables firms to better identify which small businesses to target for their marketing campaigns. With Small Business Assets, firms can use asset estimates to find small businesses that are the right fit for offers, tailor cross-sell/upsell efforts, improve prospecting, communicate with home-based small businesses and enhance model performance.

Firms can use Small Business Assets to improve their marketing efforts to the millions of small businesses scattered across the country. It is available exclusively for use by IXI Network Member Firms.

Ability to Pay (ATP) Index is a modeled scoring system that ranks households from 1 to 1,000 based on their likely economic capacity.  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.