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Affluence Index™

Use Affluence Index to enhance targeting and marketing models with an indicator of households’ capacity to spend, save, or invest. With Affluence Index, you can better differentiate households that are likely to have the discretionary funds to purchase or invest in your goods and services.
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Identify Households that Can Spend, Save, or Invest

Just because a consumer might be interested in your product does not mean that they can afford it. With Affluence Index, you can differentiate between households that look the same in terms of income and demographics, but likely have considerably different estimated capacity to spend, save, or invest. 

The higher the affluence of a customer, the more likely they will be able to keep spending or investing during lean economic times. 

Use Affluence Index to enhance account acquisition, expand your universe of potential customers, boost Invitation-to-Apply (ITA) and segment before Prescreen, identify cross-sell opportunities, provide appropriate offers, and inform your merchandising mix.

Improve Targeting and Acquisition
Reach consumers that are likely to have the capacity to buy your goods or services or invest with your firm.
Easy to Apply
Use a continuous household-based score of 1 to 1000 to rank and target consumers by likely discretionary funds.
Foundation of Unique Data
Based on anonymous, proprietary wealth data derived from consumer investable assets, plus income and credit usage factors.
Find Attractive Prospects in an Uncertain Economy
Differentiate similar households by their ability to spend or invest versus who is likely to be cutting back.
Fuel Upsell and Cross-sell
Create more targeted promotions by better understanding households’ discretionary spending capacity.
Compliance-friendly
Does not contain protected-class demographics and can be used across the customer lifecycle for non-FCRA applications.
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Target the top 5% of households by Affluence Index and achieve 700% higher purchase amounts compared to lowest 5%.

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With economic insights, one firm could narrow its ITA audience by 30% and achieve same or better response and booking rates

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Increase revenue by up to 25% by using Affluence Index to enhance loyalty program marketing strategies.
 

Equifax analytics and case studies. Results may vary.

Understand Consumer Affluence

The higher the affluence of a customer, the more likely they will be able to keep spending or investing, despite changing economic conditions. Use Affluence Index to find new customers, drive revenue, and deliver appropriate offers.

Enhance Account Acquisition

Use Affluence Index to expand your universe of potential customers. Find and reach new consumers that are likely to have the capacity to buy your goods or invest with your firm.

Drive Sales and Revenue

As economies fluctuate, better understand who has the ability to spend or invest more and who is likely to be cutting back. Plus create targeted promotions and offers that fit each segment for more effective cross-sell and upsell.

Differentiate Households by Affluence

Households may look the same based on standard indicators. But when you apply  Affluence Index to rank households from 1-1000, you can see that the household with the higher rating holds more opportunity.
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Build Relationships with Affluent Consumers

It is no secret that many consumers look the same when using traditional segmentation measures. That can make it challenging for consumer marketers and lenders to find audiences that have the right financial profile for their promotions. Use Affluence Index to overcome this challenge, reveal consumers that have the right financial profile for their promotions, and apply affluence measures across traditional and digital campaigns.

Used by Many Industries

Affluence Index can be used by retail, auto, travel companies, financial firms, and more. Marketing and analytics teams can use the Index to improve campaign targeting, support Invitation to Apply (ITA), segment before Prescreen, identify new audiences, and tailor messaging.

Enhance Digital Marketing

Affluence Index is also available in an online format to help digital marketers enhance targeting for online campaigns. Use Affluence Index Digital Targeting Segments to focus online ad spend on consumers that likely have the capacity to purchase your products and services.

Leverages DaaS Environments

Easily access Affluence Index in cloud applications or DaaS environments to seamlessly integrate with your data and marketing campaign processes

Affluence is Just One Part

How well do you know your customers and prospects? Affluence is just one part of their profile. To gain a more complete view, discover our Economic Insights Suite. Get the full picture of your target audience - including household affluence, estimated income, spending, credit, and financial durability, plus a full spectrum of consumer attitudes, preferences, behaviors, lifestyle, and demographics.
Discover Economic Insights

Frequently Asked Questions

Affluence Index is a scoring system that measures and ranks households by their estimated capacity to spend, save, or invest. It offers a household-level continuous score ranging from 1 to 1,000, with a rating of 1,000 representing the highest estimated level of affluence.

Affluence Index can help marketers better segment, differentiate, and target customers and prospects that likely have discretionary funds to purchase or invest in their products and services.

Affluence Index offers a 1-1000 score that can be appended to customer and prospect records. The scores can be used alone or incorporated into models where consumer spending is a factor.

Affluence Index can be used to enhance acquisition, cross-sell/upsell, and retention efforts, such as:

  • Drive sales by better understanding who may have the ability to buy, invest, or save and focusing marketing efforts accordingly
  • Differentiate between similar customers or prospects to focus on those who have the desired level of discretionary spending capacity
  • Fuel ITA segmentation or segment before Prescreen
  • Customers who are able to buy, save, or invest more
  • Create enticing and relevant offers that match the likely affluence level of each household
  • Inform merchandising mix decisions
  • Additional non-FCRA applications

Affluence Index incorporates proprietary, anonymous wealth information derived from multiple sources, including summary factors produced from our proprietary database of consumer investable assets. In addition, we incorporate measures of income and credit utilization to create Affluence Index scores for nearly every U.S. household. Affluence Index does not include the use of protected-class demographics.

Marketers and lenders can use other Economic Insight measures along with Affluence Index to gain a broader view of consumers and enhance targeting and segmentation for non-FCRA applications.

For example:

  • Spending Power offers a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M.
  • Income360 Complete provides a continuous household-based dollar estimate of income uncapped up to $2 million.
  • Financial Durability Measures offer an indicator of a household’s ability to keep spending and meet existing financial commitments, even when under financial stress.
     
Key Insights

Consumer Economic Insights to Power Your Business

With Economic Insights, you can find consumers with the right financial profile for your products and services. Fuel your strategies with key insights on your target consumers or segments. 
Target the Right Consumers

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Related Products

Use Affluence Index in conjunction with our other Economic Insights solutions to gain a more complete picture of your prospects and customers. 

Spending Power™
Use Spending Power to improve targeting and marketing models with a dollar measure of households’ likely capacity to spend, save, or invest. Spending Power estimates reach up to $1.2 million per household, allowing you to identify households likely to have the funds for your goods and services.
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Income360® Complete
Income360 Complete provides a continuous household-based dollar estimate of total household income up to $2M, including income from wages, investments, businesses, and retirement funds. Use Income360 Complete to improve segmentation for direct marketing and online targeting campaigns.
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Financial Durability Measures
Financial Durability Measures provide insight into households’ likely financial resilience — meaning how likely a household is able to keep spending, plus meet current and future financial obligations, even when under financial stress. Use it to enhance marketing acquisition and account management.
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CreditStyles® Pro
Use CreditStyles Pro to differentiate households based on their estimated credit behavior, availability, needs, and usage. With CreditStyles Pro, marketers, analysts, and lenders can gain critical insight on credit use across the customer lifecycle.
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Digital Targeting
Leverage our unique digital targeting solutions to reach online audiences with the desired financial profile and purchase tendencies for your brand and offers. Improve online targeting, serve the right message, and drive campaign ROI.
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Household Segmentation
Enhance consumer segmentation using solutions based on proprietary household economic and wealth information. Economic Cohorts® provides marketers vital visibility into household economics. Financial Cohorts® offers IXI™ Network member-firms advanced segmentation using financial characteristics.
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Explore our Consumer Economic Insights

Our unique insight into the household wallet distinguishes our marketing data from all other options. Discover how our economic insights can help fuel acquisition, cross-sell, and retention efforts.

Explore Consumer Economic Insights
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