Financial Spectrum®

Gain the insights you need to effectively implement customer acquisition, cross-sell and retention programs.
This robust segmentation solution leverages proprietary IXI™ Network direct-measured™ asset data and links to syndicated data sources. Designed for statistical separation, simplicity, stability and actionability, Financial Spectrum is only available to IXI Network members. Now you can have a better understanding of the likely financial profile of US consumers by:

Financial affluence level • Asset allocation • Investment style • Channel preference • Media usage • Other lifestyle preferences
Cluster Data Learn More
Affluent Very High
# of Households: 8.2 Million /
They use credit cards for convenience and do not carry a balance. Likely to read monthly magazines.
Asset Level:
Highest
$1M+
Credit:
High
% Homeowners:
88.50%
Mass Affluent High
# of Households: 20.4 Million / 16.4%
Likely to stream video from Amazon Prime and uses credit card to earn rewards.
Asset Level:
High
$400K-1M
Credit:
High
% Homeowners:
85.00%
Mass Affluent Mid-High w/ Investment
# of Households: 11.7 Million / 9.4%
Uses alternative to cable/satellite TV (network website/app). Hold high personal checking account balances.
Asset Level:
Mid
$100K-400K
Credit:
Mid
% Homeowners:
79.90%
Mass Affluent Mid-High w/no Investment
# of Households: 6.1 Million / 4.9%
Thinks it is important for checking to have low/no fee. Not likely to own their own business. Highest penetration for social media use.
Asset Level:
Mid
$100K-400K
Credit:
Mid
% Homeowners:
75.70%
Mass Market Mid-Low w/ Savings
# of Households: 20.9 Million / 16.8%
Online banking is important and they use Peer-to-Peer payment methods. They are generally not listening to radio or watching traditional TV.
Asset Level:
Mid-Low
$20K-100K
Credit:
Low
% Homeowners:
61.90%
Mass Market Mid-Low w/no Savings
# of Households: 18.7 Million / 15.0%
Carry a balance on their credit card and likely to have a balance for other loans like education or automobiles.
Asset Level:
Mid-Low
$20K-100K
Credit:
Low
% Homeowners:
65.90%
Mass Market Low
# of Households: 38.8 Million / 31.1%
Uses debit card and prepaid debit card. Uncomfortable trusting money to a bank.
Asset Level:
Lowest
$0-20K
Credit:
Low
% Homeowners:
42.30%