Loading...

Unconventional wisdom: How to use financial audiences for non-financial campaigns

Published: May 9, 2024 by Experian Marketing Services

Experian and FMCG Direct, a Deluxe Company's financial audiences

Marketing success can sometimes come in the most unlikely of combinations — reminiscent of a great chef crafting a delicious dish from ingredients rarely used together. In advertising, this type of outside-the-box thinking can give you a competitive advantage over peers who are operating within the normal limits. In this blog post, we will explore how both financial and non-financial advertisers can use consumer financial marketing data in their ad campaigns to connect with the right consumers. This type of strategic thinking will make campaigns more effective, resonate more deeply with audiences, and turn your chicken into coq au vin.

Background on Financial Audiences

FMCG Direct, a Deluxe company, in partnership with Experian, has developed financial audiences that deeply understand consumer financial behavior. These audiences are not just static lists of potential customers but are constantly updated to provide a multi-dimensional view of consumer financial habits, including investing, borrowing, credit card preferences, and more. Central to this effort are Consumer Financial Insights®, Financial Personalities® and ConsumerSpend® models. These tools are built utilizing a combination of FMCG Direct, a Deluxe company in-depth consumer research, sophisticated clustering techniques, and Experian’s extensive consumer marketing data.

FMCG Direct, a Deluxe company financial audience segments

The Financial Personalities® segments categorize consumers based on their financial behaviors and preferences, dividing them into distinct categories such as insurance, credit card usage, and investment habits. This allows for a targeted approach considering each consumer’s unique financial behavior and potential needs.

Meanwhile, Consumer Financial Insights® segments offer a detailed and tiered view of a consumer’s economic status, including insights into household deposits, investable assets, net assets, and the likelihood of mortgage refinancing, all categorized into specific tiers to reflect varying levels of wealth and investment.

Lastly, ConsumerSpend® segments provide a look at how and where a household allocates their disposable income. Broken up by nine unique categories, marketers can better understand where people are spending their money each year.

These predictive segments are built through extensive research, surveying over 25,000 consumer households across the United States. Each household’s financial profile encompasses a wide array of data points, such as total household assets, deposit balances, and investable assets.

The result? A granular understanding of consumer financial behaviors, which marketers can use to tailor their financial services offerings. However, the potential applications of these insights extend far beyond the confines of financial products and services.

Here are some ideas to help you get started.

Advertising campaigns for travel and leisure

Launch campaigns that precisely cater to different consumer segments’ unique financial personalities and spending behaviors.

A suitcase and plane icon
  • Credit Card Financial Personality: Launch digital ads for luxury travel experiences tailored to consumers known for extensive credit card usage in travel, capitalizing on their affinity for high-end leisure activities.
  • Deposits (Bank) Financial Personality: Implement advertising campaigns for budget-friendly travel options tailored to consumers with modest bank deposits and prudent spending habits. These ads could highlight affordable vacation packages, discount travel deals, and value travel bundles, catering to those prioritizing cost efficiency and practical travel solutions.

Ideas focusing on home improvement and decor

Craft advertising campaigns aimed at audiences with modest net worth, using insights into their financial profiles to promote accessible and essential products and services.

A house and settings icon
  • Net Asset Score (Lower Tiers): Develop ad campaigns for cost-effective home improvement services and budget-friendly home appliance options, targeting consumers whose net asset scores indicate more modest financial resources. These ads should highlight the products’ durability and energy efficiency, appealing to the consumers’ need for long-term savings.
  • Discretionary Spend – Home Furnishing: Design ad campaigns for upscale home furnishing collections, targeting audiences with significant discretionary spending power. These ads should spotlight your home furnishings’ premium quality, sophisticated design, and superior craftsmanship, appealing to consumers’ tastes for luxury and exclusivity.

Campaigns for consumers in entertainment

Execute targeted advertising campaigns designed for consumers with high disposable income, utilizing insights from their net asset and investable asset scores.

A music note and video play icon
  • Net Asset Score (Higher Tiers): Launch advertising campaigns for premium entertainment experiences, including exclusive concert seats, backstage passes, and custom festival packages. Target consumers whose net asset scores suggest significant disposable income to ensure your promotions reach the most likely attendees.
  • Discretionary Spend — Entertainment: Design advertising campaigns for high-profile music and entertainment events, focusing on individuals known for their significant expenditures on entertainment. Create promotions that resonate with their lifestyle, emphasizing the connection between a vibrant social life and exclusive entertainment opportunities.

As you can see by understanding and utilizing the nuances of financial data, advertisers can create highly targeted, relevant, and effective campaigns across various sectors. This approach exemplifies the innovative spirit of audience usage, proving that with a bit of creativity, data applications are as limitless as our imagination.

Financial Personalities and Consumer Financial Insight audiences and their in-platform names

Find these syndicated audiences in your demand and supply-side platform of choice.

  • Insurance financial personality – Audiences to help understand a consumer’s behavior and confidence in their ability to find the right life insurance.
    • Financial Personalities > Insurance Financial Personality

  • Credit card personality– Used to identify consumers based on their credit card usage and behaviors.
    • Financial Personalities > Credit Card Financial Personality

  • Deposits financial personality– These audiences include consumers who are likely to look for bank offers based on their spending behaviors.
    • Financial Personalities > Deposits Financial Personality

  • Investments financial personality– Audiences to help understand a consumer’s comfort and behaviors with making financial investments.
    • Financial Personalities > Investments Financial Personality

  • Home equity financial personality– Audiences to help understand a consumer’s home equity circumstances and behaviors.
    • Financial Personalities > Home Equity Financial Personality

  • Mortgage financial personality– Audiences to help understand a consumer’s behavior and preferences with mortgages.
    • Financial Personalities > Mortgage Financial Personality

  • Investable assets (FLA/Fair Lending Friendly)*– Audiences that include consumers who have available investable assets in seven total tiers with Tier 1 being the highest, and Tier 7 being the lowest.
    • Consumer Financial Insights > Investable Assets

  • Net asset score (FLA/Fair Lending Friendly)– Predict a consumers likely net asset score ranging from less than $25,000 to over $5,000,000.
    • Consumer Financial Insights > Net Assets Score (Net Worth)

  • Discretionary spend– Predicts the annual discretionary spend for the category listed in the audience.
    • Consumer Financial Insights > Discretionary Spend – Travel
    • Consumer Financial Insights > Discretionary Spend – Jewelry
    • Consumer Financial Insights > Discretionary Spend – Home Furnishings
    • Consumer Financial Insights > Discretionary Spend – Entertainment
    • Consumer Financial Insights > Discretionary Spend – Electronics
    • Consumer Financial Insights > Discretionary Spend – Education
    • Consumer Financial Insights > Discretionary Spend – Donations
    • Consumer Financial Insights > Discretionary Spend – Dining Out
    • Consumer Financial Insights > Discretionary Spend – Total
    • Consumer Financial Insights > Discretionary Spend – Clothing/Apparel

  • Household deposits/balances (FLA/Fair Lending Friendly)– Audiences that include households that have bank deposits balance in six total tiers with Tier 1 being the highest, and Tier 6 being the lowest.
    • Consumer Financial Insights > Household Deposits/Balances

  • Investment Balances (FLA/ Fair Lending Friendly)– Audiences that include consumers who have an investment balance in six total tiers with Tier 1 being the highest, and Tier 6 being the lowest.
    • Consumer Financial Insights > Investment Balances

  • Mortgage refinance (FLA/Fair Lending Friendly)– Predicts the likelihood the consumer is to refinance their mortgage.
    • Consumer Financial Insights > Mortgage Refinance

Contact us

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.


Footnote

* “Fair Lending Friendly” indicates data fields that Experian has made available without use of certain demographic attributes that may increase the likelihood of discriminatory practices prohibited by the Fair Housing Act (“FHA”) and Equal Credit Opportunity Act (“ECOA”). These excluded attributes include, but may not be limited to, race, color, religion, national origin, sex, marital status, age, disability, handicap, family status, ancestry, sexual orientation, unfavorable military discharge, and gender. Experian’s provision of Fair Lending Friendly indicators does not constitute legal advice or otherwise assures your compliance with the FHA, ECOA, or any other applicable laws. Clients should seek legal advice with respect to your use of data in connection with lending decisions or application and compliance with applicable laws.


Latest posts

Loading…
Fueling Fusion92’s marketing technology with Experian data

The partnership between Experian and Fusion92 exemplifies how collaboration can deliver real marketing impact. This article explores the ways Fusion92 relies on Experian’s data to sharpen its audience targeting, streamline engagement across channels, and achieve measurable success. A need for unified audiences When Fusion92 set out to advance how their clients connect with precise audiences, they needed a data partner that could deliver comprehensive and actionable insights. Enter Experian. By using Experian’s marketing data and digital identity graph as a core source of data, Fusion92 built a solid foundation for their tools, DIOS (Data Input Output Solution), DAX (Data Advertising Exchange), and NoMi (pronounced “Know Me”). These powerful technologies enable Fusion92’s clients to control audiences more precisely, connect with the right people across optimal channels, avoid wasted impressions, and measure results with confidence. Why Fusion92 chose Experian Quality and reliability Experian’s commitment to data accuracy has earned the #1 ranking from Truthset, ensuring Fusion92’s campaigns are built on precise, actionable, and privacy compliant data that businesses can trust. Breadth and depth By offering demographic, behavioral, and channel preference data, Experian enables Fusion92 to have greater control over precision activation, empowering better results. Expert support Experian works closely with Fusion92 to provide tailored solutions and dependable expertise, adapting to meet the unique needs of their diverse clients. “Experian never really let me down in terms of data quality, data accuracy, and data reliability.”Dave Nugent, EVP of Data Science & Strategy, Fusion92 The power of teaming up Challenge  A regional amusement park needed to increase membership renewal sales during peak season while reducing spend on households unlikely to visit.  Solution  Fusion92 combined the park’s first-party buyer file with Experian consumer data and custom geographic boundaries, built an advanced targeting model, and used Experian’s channel-preference insights to prioritize the media mix. The unified audience was then delivered omnichannel through Fusion92’s in-house proprietary DAX activation technology, with Experian’s identity graph supporting attribution.  Result  The marketing conversions beat the park’s stretch goal by 70%, confirming that accurate data and coordinated activation drive revenue lift.  “It doesn’t matter if you’re a beginner or an expert. Experian will help you make the best use out of an incredible set of data assets.”Dave Nugent, EVP of Data Science & Strategy, Fusion92 Using marketing data to power omnichannel marketing Tools built by Fusion92 that meet client needs Fusion92’s suite of tools handles every essential phase of a campaign. DIOS starts by creating audience definitions and setting a foundation for strategy. Once these insights are established, DAX takes over, activating consistent, controlled engagement with tailored messaging. Detailed performance metrics throughout help optimize strategy along the way, ensuring campaigns remain impactful and cost efficient. DIOS in action DIOS eliminates guesswork, combining Experian’s data with advanced analytics to create precise audience models. This capability enables Fusion92 to define customer segments with accuracy, providing businesses with a roadmap to success from the outset. While currently in use as a managed service by Fusion92, a public-facing SaaS version is expected to be released in 2025. Activating every channel through DAX The campaign execution phase is pivotal, and DAX ensures smooth delivery and transparent measurement across channels. By incorporating Experian’s identity graph, DAX provides a clear picture of cross-channel behaviors and preferences, and how they impact business goals. This holistic approach enhances personalization, connecting online and offline interactions to create campaigns that resonate with consumers and drive ROI. Getting to know NoMi NoMi offers next-generation audience intelligence, empowering businesses with audience profiles built from behavioral insights, like transactional activity or in-market signals. This ensures that campaigns connect with people authentically and at scale. With NoMi, Fusion92 clients streamline targeting efforts, improving efficiency while reducing wasted spend. Thinking about your own transformation? Whether you’re tackling siloed activation, enhancing attribution models, or aiming for improved targeting, Experian’s data solutions can help amplify your efforts – just ask Fusion92. Explore how we can help you target smarter, engage better, and measure success confidently. Connect with an Experian representative today About our experts Dave Nugent, EVP of Data Science & Strategy, Fusion92 Dave Nugent, EVP of Data Science & Strategy at Fusion92, has over 27 years of experience in data-driven services, helping organizations better understand and target their audiences through predictive modeling and segmentation. Before joining Fusion92, he spent 11 years at American Spirit Corporation as VP of Data Solutions and co-founded Market Reason, where he secured a patent for an identity technology known as "identity solutions." Dave’s expertise bridges traditional, digital, and social advertising, offering innovative approaches to data utilization. He also shares his knowledge as a guest lecturer at the University of Chicago Booth School of Business. Crystal Jacques, VP of Enterprise Partnerships, Experian Crystal Jacques is the VP of Enterprise Partnerships, leading Experian's go-to-market team across all verticals. With over ten years of experience in the Identity space, Crystal brings a wealth of expertise to her role. She joined Experian in 2020 through the Tapad acquisition, following her successful stint as the head of Global Channel Partnerships for Adbrain, which The Trade Desk later acquired.

Jun 09,2025 by Experian Marketing Services

Tuned in and turned on: How identity is powering the audio boom

Audio platforms that overcome consumer identity challenges are winning new advertisers and driving higher ROAS. In this article, you’ll hear from leading audio platforms that are solving these challenges—and seeing results. Digital audio is evolving fast. What was once a niche channel of host-read sponsorships and direct buys is now a must-have in the modern media mix. Streaming platforms, podcasts, and digital radio are drawing more ad dollars thanks to audio’s ability to capture attention and connect with listeners. But with growth comes new pressure. Advertisers expect accuracy, scale, and to see results. At the same time, listeners want more relevant content and more personalized ad experiences. That’s where identity becomes essential. With Experian’s identity and audience solutions, audio platforms can: Bolster addressable audience targeting and personalization capabilities. Gain a comprehensive view of listeners’ digital identity to reach audiences across channels. Better understand consumer preferences, enabling advertisers to reach audiences with greater accuracy. Enhance the listening experience with more relevant content. Let’s break down the key challenges in audio—and how Experian can help solve them. Challenge 1: Anonymous listening limits addressability Most listening happens in environments where people aren’t logged in—via apps, smart speakers, and mobile devices. Without logged-in data, platforms struggle to know who’s listening and advertisers are unable to reach those anonymous listeners who don’t have an addressable ID. To overcome the identity gap in unauthenticated listening environments, leading audio platforms are turning to partners that connect fragmented signals—like device type, location, and behavioral patterns—to broader household and individual profiles. By using hashed emails and other alternative identifiers, platforms can begin to make anonymous sessions more addressable. This increase in addressability ensures the platform’s entire userbase can be reached, which leads to an increase in revenue. Experian’s solution Experian's identity spine, comprised of our Digital and Offline Graphs, helps you recognize listeners even when they’re outside your ecosystem. Platforms like Audacy are already leading the way. By integrating Experian’s Digital Graph, they’re gaining a more complete view of listeners’ digital identifiers—enhancing the experience across their app and website. With a better audience understanding, Audacy can deliver personalized content while helping advertisers reach specific groups with greater accuracy. Challenge 2: IP-based targeting falls short Audio has traditionally relied on IP addresses, but that’s no longer enough. A single IP could represent an entire household—or a public setting like a coffee shop. It’s not precise. Forward-thinking platforms are moving beyond IP-based targeting by integrating identity resolution technologies that combine household-level data with device-level intelligence. These solutions help distinguish between shared devices and individual listeners, allowing advertisers to serve more relevant messages without over-reliance on a single signal like an IP address. This layered approach improves precision—especially in dynamic listening environments like vehicles or communal spaces. Experian’s solution Our identity spine links home IPs to households, then connects them to specific devices and individuals. This helps platforms move beyond basic IPs and target real people based on accurate signals—even in shared listening environments like smart speakers and cars. We also help platforms and advertisers integrate alternative IDs—like Unified I.D. 2.0 (UID2)—into their programmatic audio campaigns. That means more reach, without compromising consumer trust. Challenge 3: Audio buying is fragmented From podcasts to streaming to radio, audio lacks consistency in how inventory is packaged and bought. It’s hard for advertisers to run scaled campaigns across channels—and harder still to measure performance. Plus, advertisers don’t think in silos—they think in strategies. If audio can’t connect to their display, connected TV (CTV), and social buys, it loses ground. What they need is a way to define audiences once and activate everywhere. To reduce friction in audio ad buying, platforms are investing in infrastructure that unifies audience insights across formats. By building a centralized view of the listener—regardless of whether they're tuning in via podcast, stream, or radio—publishers can offer advertisers consistent targeting parameters, clearer reporting, and better campaign orchestration. Identity graphs and audiences are playing a growing role in streamlining this complexity and unlocking scale. Experian’s solution Experian helps simplify audio buying. Experian audiences are built on top of our identity graph and are expanded to a deep set of digital identifiers, ensuring accuracy, scale and maximum addressability across channels. Platforms can blend their first-party data with advertiser data and our audiences—then deploy those audiences onsite or activate programmatically across open web and CTV. DAX is doing just that. DAX's partnership with Experian combines Experian’s 2,400+ audiences for targeting and activation with DAX’s innovative audio advertising approach. We’re helping advertisers connect with passionate and engaged listeners nationwide. "Through our partnership with Experian Marketing Services, advertisers can unlock deeper audience insights and execute more impactful digital audio campaigns. By combining our shared market presence, knowledge, and forward-thinking approach, we’re strengthening our digital audio network offering and delivering value to all our advertising partners."  Brian Conlan, President of DAX United States In addition to integrating Experian’s Digital Graph, Audacy is also integrating Experian's syndicated audiences to unlock accurate insights like demographics, shopping behavior, and interests – providing listeners with a more personalized advertising experience and advertisers with a higher return on investment.  “Historically, audio advertising lacked precise targeting capabilities, making it challenging for advertisers to reach specific audiences. By integrating our digital identity graph and syndicated audiences with Audacy’s platform, we’re transforming how advertisers connect with listeners. This collaboration enables more effective audience targeting and delivers personalized, impactful audio experiences across all channels.”Chris Feo, Chief Business Officer, Experian Privacy is non-negotiable Everything we do is privacy-forward by design. Backed by Experian’s Global Data Principles and decades as a regulated institution, we rigorously vet every data source to ensure compliance with all federal and state laws. Build an audio strategy that performs with Experian Your advertisers want more from their audio investments. With Experian, you can give it to them. We help you: Expand digital addressability to maximize reach for marketers and drive revenue growth for your platform. Create and activate addressable audiences across all channels. Enhance the listening experience with relevant content and personalized ads. Audio has always been a powerful way to connect. Now, it’s ready to perform. Let's connect Latest posts

Jun 04,2025 by Chris Meredith, Head of Sell-Side

Driving performance and scale: The rise of Experian’s data marketplace

When we launched our data marketplace earlier this year, we set out to transform how the industry discovers and activates privacy-safe audiences and maintains addressability across display, mobile, and connected TV (CTV). Yieldmo was one of the first adopters and their story speaks volumes about what’s possible when flexible tech meets premium data. Large retail brand boosts in-store traffic with Yieldmo and Experian Yieldmo, an advertising platform known for its inventive, AI-powered creative formats and privacy-first inventory, partnered with Experian to support a leading athletic retailer’s campaign focused on driving in-store traffic. The goal? Attract in-store shoppers likely to purchase from competitors, particularly during key sales windows. Using Experian’s Audience Engine platform, which includes our proprietary and third-party data marketplace, Yieldmo built a high-performing, self-serve targeting strategy that included both conquesting and in-store shopper segments. With the ability to easily combine Experian Audiences and Partner Audiences, like those from Alliant, Circana, Webbula, and Sports Innovation Lab, Yieldmo quickly built precise apparel and footwear audiences. Using Experian’s identity graphs in Audience Engine, Yieldmo increased cross-channel addressability to maximize campaign scale and impact. “Experian’s data marketplace in Audience Engine fills a critical gap, letting us quickly search by brand, build smarter conquest segments, and activate custom audiences fast. The platform is flexible and the support is hands-on and reliable.”Abby Littlejohn, Director of Sales Planning at Yieldmo With self-serve setup that cut down manual work, the ability to build highly tailored audiences, and expected lift in store visits, Experian helped the team achieve standout results. "We selected Experian as our primary third-party data partner based on contract ease, audience quality, and speed. Through Experian, we can find high-performing audiences from multiple providers that meet our client’s targeting objectives. We include Experian audience segments in 80% of formal RFP proposals and are in active discussions on how to optimize for future campaigns—making Experian a go-to partner for third-party targeting.”Nelson Montouchet, AVP, Strategic Partnerships, Yieldmo More data, more reach: Experian’s data marketplace fuels smarter targeting across ad platforms Today, just months after launch, Experian’s data marketplace is gaining traction across the ecosystem. Over 10 platforms, including leading supply-side platforms (SSPs) and TV platforms such as Madhive, OpenAP, and Optimum, are now actively utilizing our data marketplace to enhance their activation capabilities. As privacy rules tighten and many identity signals start to fade, a lot of activation platforms are finding it tougher to reach their audiences. This is where our data marketplace shines, with one of the most comprehensive identity graphs out there, 126 million households, 250 million individuals, and over four billion active digital IDs, we make it easy to activate audiences while keeping addressability high across channels. We preserve accuracy when scaling to digital IDs via our identity graphs since Experian is rooted in offline data, which provides better connections and smarter targeting. “Our long-standing partnership with Experian and breadth of Experian's data marketplace, combined with the interoperable, direct matching methodology of our Open Identity solution, make it possible for OpenAP to enable advertisers and agencies to use best-in-class data partners to build audiences with the highest fidelity and consistently reach audiences at scale wherever they are consuming content across premium video.”Chris LoRusso, Chief Business Officer at OpenAP Experian’s data marketplace has grown to include over 20 premium data providers, such as: “We’re thrilled to bring PlaceIQ’s privacy-first, visit-based audiences to Experian’s marketplace, giving brands quick and easy access to high-intent shoppers. From recent big-box customers to yoga-studio regulars, advertisers can add real-world relevance to campaigns across every channel.”Brian Bradtke, Head of Partner Development, Precisely PlaceIQ These partnerships bring unique value to platforms looking to understand and engage audiences more effectively, whether through physical location intelligence, sports and fandom insights, or behavioral intent signals. What’s next We're focused on expanding our data ecosystem and helping platforms and marketers turn fragmented data strategies into a unified competitive advantage. If Yieldmo’s story is any indication, this is just the beginning. Let’s connect and explore how Experian’s data marketplace can help you drive more revenue, scale your audience reach, and stay ahead of privacy shifts. Connect with us Latest posts

May 29,2025 by Experian Marketing Services

Subscribe to our newsletter

Enter your name and email for the latest updates

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

About Experian Marketing Services

At Experian Marketing Services, we use data and insights to help brands have more meaningful interactions with people. As leaders in the evolution of the advertising landscape, Experian Marketing Services can help you identify your customers and the right potential customers, uncover the most appropriate communication channels, develop messages that resonate, and measure the effectiveness of marketing activities and campaigns.

Visit our website

Subscribe to our newsletter

Stay up to date on the latest industry news and receive expert tips from our marketing experts.
Subscribe now!