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Financial Cohorts and Financial Spectrum

Enhance customer segmentation by differentiating households with financial measures
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Product Overview

Better understand customers and prospects

Equifax offers two asset-based household segmentation systems, both of which are available exclusively for IXI Network Member Firms. Financial Cohorts® offers a cluster-based segmentation system that is commonly used by brokerage firms, while Financial Spectrum™ provides segmentation flexibility while offering a compliance-friendly solution that excludes the use of protected-class demographics. Both systems segment customers and prospects based on a foundation of anonymous, direct-measured asset data as well as additional behavioral characteristics.

Who It's For

Director of Marketing

Segment and target your customers and prospects by financial and behavioral characteristics

Campaign / Advertising Manager

Increase campaign engagement and improve performance with better segmentation

Data Analytics

Understand persistent characteristics predictive of financial behaviors

Modeler / Statistician

Enhance marketing models using financial-based segments

Customer Analyst

Enable better planning and market sizing, and attribution by customer segment

About Financial Cohorts

Financial Cohorts enables financial marketers to analyze clients and prospects based on how financial services firms really classify households – by their financial potential. The system enables firms to identify pockets of opportunity among their most common segments (Affluent, Mass Affluent, and Mass Market), and then guides marketers to understand the differences between households within each asset tier.
 
  • Segments customers based on measured consumer financial capacity, investment style, behaviors, and characteristics, as well as demographics, age, and urbanicity
  • Offers a household-level cluster solution with over 100 input variables
  • No bias against affluent households; several clusters have greater than $2 million median assets
  • Ability to integrate with all Equifax wealth-based solutions
  • Available both in an offline version and online digital targeting segments
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About Financial Spectrum


Financial services firms can use Financial Spectrum to better understand the financial and behavioral characteristics of distinct customer and prospect groups and increase the relevance and effectiveness of direct and online marketing efforts.

  • Built in partnership with Neustar leveraging unique data insights from Equifax and Neustar's respected expertise in segmentation

  • Links to Neustar's industry-leading identity graph

  • Leverages Neustar's ElementOne® audience intelligence solution for insights, planning, activation and measurement purposes
  • Compliance-friendly - does not contain Protected-class Data
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Equifax unique financial insights

Equifax collaborates with over 95 leading U.S. financial institutions to create and maintain the IXI Network database that currently measures about $27.7 trillion (~45%) of U.S. consumers’ liquid financial assets. This unique data is the foundation of both Financial Cohorts and Financial Spectrum. Using our segmentation systems, firms can better target the right prospects and customers, and deliver the right message for each segment via channels that will resonate.

Target desired customers with the right offers and products

Financial Services firms can now more accurately segment and target customers based on estimated assets, investment style, spending capacity and credit —instead of simple demographics. Our segmentation systems provide the insights needed to effectively implement customer acquisition, cross-sell and retention programs. Available exclusively to IXI™ Network Members.
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Related Resources

Product Sheet
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Segmentation Analysis - The 3Ps
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Best Practices in Segmentation
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Financial Cohorts Product Sheet
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Financial Spectrum
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