Stop Guessing. Start Growing with Actual Purchase Data.

Spending Insights provides the data and intelligence you need to navigate market trends and connect with your ideal customers using actual spending transaction-based insights. In a dynamic market, moving beyond survey-based estimates to real-world consumer spending behavior is paramount for effective marketing and strategic growth.

Why Spending Insights?
Traditional marketing often relies on estimated data, which can lead to imprecise targeting and wasted acquisition spend. Spending Insights empowers businesses to identify high-potential prospects based on confirmed purchase behaviors, driving higher conversion rates and superior ROI.

Real-World Data
Built on actual, anonymized consumer transaction data, not just modeled estimates or surveys.
Reach Spenders
Reach consumers who are high spenders, frequent spenders, and recent spenders.
Target Across Categories
Connect with spenders overall and across travel, dining, insurance, and home improvement segments.
Omni-Channel Advantage
Seamlessly connect offline and online campaigns with offline and digital measures for a consistent messaging experience.
Fresh and Flexible
Receive non-modeled, quarterly updated scores that are not FCRA regulated, offering greater flexibility for marketing.
Privacy-First
Insights are leveraged from aggregated and anonymized transaction data at the ZIP+4 level to ensure consumer privacy.

Apply Spending Power for Both Offline and Digital Campaigns

Rely on two powerful spending solutions to optimize your marketing strategies across the customer lifecycle and reach consumers across channels.
 

Spending Insights Index (Offline)

Use a 1-100 score to target consumers by level of spend, recent activity, and frequency across categories. Enhance direct mail segmentation to reach optimal customers and prospects.

Digital Targeting Segments (Online)

Incorporate Spending Insights Digital Targeting Segments across display ad, paid media, and social media campaigns to reach Affluent and Mass Market High Spender audiences across categories.
 

Targeted Marketing with Spending Insights

Watch this video to learn how marketers can identify high-potential prospects based on actual spending behaviors—avoiding reliance on survey-based data to drive campaign precision.

Comprehensive Categories

Spending Insights span a diverse range of high-value consumer categories:

  • Total/Overall Spending: High-level activity across all tracked categories.
  • Travel: Includes specialized insights for Hotel, Airline, and Cruise spending.
  • Dining: Insights into Fast Casual and Take Out/Food Delivery behaviors.
  • Insurance: Targeted data for identifying consumers likely to switch or purchase policies.
  • Home Improvement: Reach prospects likely to spend on DIY projects or major home services.
     

Real-World Impact: Precision Acquisition

Financial services companies can leverage the Spending Insights Index to pinpoint premium prospects for travel rewards programs. By filtering lists for consumers with a "Travel Level of Spend" score greater than 65, marketers can dramatically increase response rates for direct mail while simultaneously targeting the corresponding "Affluent Travel" Digital Segment for a seamless online experience.

Frequently Asked Questions

Spending Insights are built using actual spending transaction data from partners, which is then aggregated and anonymized at the ZIP+4 level to protect consumer privacy.

Any company can use Spending Insights. Incorporate Spending Insights Index to enhance segmentation for direct marketing and incorporate Spending Insights Digital Targeting Segments to reach the right online audiences for digital campaigns.

Spending Insights are updated quarterly.

Spending Insights Index can be accessed through batch append, directory file, or real-time API, as well as via Snowflake and AWS Marketplace. 

Spending Insights Digital Targeting Segments is accessible via most major digital platforms.

Digital targeting segments include Affluent and Mass Market audiences with high overall spending as well as for travel, dining, insurance, and home improvement categories. Explore our Spending Insights Digital Targeting Segments.
 

Related Resources 

Related Products

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.
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.
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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