
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.

- 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.

- 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.

- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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)
- 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
- 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
- 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
- Consumer Financial Insights > Mortgage Refinance
Contact us
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

Marketers are always looking for creative ways to get the most out of their digital marketing investments. While there may be different paths to optimization, reducing media spend and cutting costs without sacrificing ROI is ideal. We empower marketers to take back control of their budgets and reinvent their media strategies by leveraging the right data at the right time. And, given today’s challenging climate, there’s no better time. Every Business Has Different Deeds Whether you’re a direct-to-consumer brand building a loyal customer base or a financial service simply letting customers know you’re here for them during a challenging time– identity resolution is essential to connecting with your audience without breaking the bank. That’s why we have built solutions that provide flexibility and control when you need it most. Putting Data Into Action Experian's "Tapad Graph" is a global, privacy-safe cross device graph is one powerful file. Updated weekly, and containing customized device IDs and digital attributes, The Tapad Graph enables smarter targeting strategies and a reduction of wasted impressions. What that means is more marketing efficiency and a stronger ROI for your business. Saving resources and money sound good to you? This guide breaks down four ways you can implement cost savings measures without sacrificing performance or prohibiting KPIs. Frequency Capping and Suppression Clustering device IDs by the individual and household means you have access to more ways to reach consumers, but it doesn’t always mean you should be using all of them across every campaign. Hone in on the channels and devices where consumers make most of their lower funnel decisions and purchases – and cap brand-awareness level placements or aspirational media that requires more exposure to generate engagement. This doesn’t mean limiting the devices you target, but being more aware of how often you’re targeting the same person across those devices. If you’ve successfully begun, or heck, even completed the consumer journey with an individual, congratulations. Now, you may want to consider what to do with the rest of the digital devices and users in that same household. Sure, there’s a time for conquesting an entire home of purchasers, but that’s not always the most effective way to maximize your media. That’s why The Tapad Graph is built to be flexible, providing a holistic view of all individuals and their associated devices and digital IDs – so you can suppress them once you’ve conquested the household decision maker or achieved the desired lower funnel activity. Save those impressions for someone else and save money for yourself. The great thing is whether you’re uploading this data into a DMP or a DSP, you can segment your target audience with a frequency cap threshold or suppress them entirely. Not only can you apply these tactics across traditional digital media, but we can include Connected TVs for OTT targeting as well, making your media strategy as holistic as your identity resolution tactics. Cross-Device Targeting and Attribution Consumer behavior and device trends are changing these days, so shouldn’t your digital marketing change too? Desktop usage is now up as much as 22%* as more people are working and learning from home. And remember that old iPad? With more people at home, we’re dusting off more devices and tablet activity is increasing more than 30%*. Sure, people are still constantly on mobile– but it might be time to consider implementing cross-device targeting and optimization for those dayparts when their focus is elsewhere. Identity resolution should be a key element of customer journey mapping and attribution in order to truly give credit to the right channels and build a baseline for the right cost-per modelling. Coupling The Tapad Graph with raw events data can granularly attribute engagement, actions and conversions at the digital ID, device, and even user-level – thereby teaching you more about your customer’s preferences. Leverage these insights to create more tailored messaging and promotions on your owned and operated channels, to funnel impressions to specific screens and platforms, and to target users based on where they are in the purchase funnel. Data That Gives You Control If you’re already implementing cross-device, have you started suppressing the devices where engagement with your brand isn’t happening? That’s right, you can use The Tapad Graph after-the-fact as well. Weekly graph updates with 60-day look-backs enable weekly campaign optimizations. That gives you the flexibility and control to avoid devices and platforms where users aren’t as active. You can only make decisions based on the data you have in front of you, so make sure you're partnering with the right solutions for your business. Does identity resolution sound like something you need? Contact us and we can help you get started with all that The Tapad Graph has to offer. Contact us today

Tapad, part of Experian, integrates with MediaJel's current advertising solutions will enable U.S. brands to benefit from improved cross-device reach and targeting capabilities NEW YORK, April 14, 2020 /PRNewswire/ — Tapad, part of Experian and a global leader in digital identity resolution, has partnered with MediaJel, a leading provider of advertising and marketing solutions for regulated markets. The partnership will enhance MediaJel's current offering, enabling brands to further improve their digital marketing campaigns, and thereby, return on investment. Tapad's global, privacy-safe digital cross-device solution, The Tapad Graph, will complement MediaJel's state-of-the-art advertising solutions to identify and resolve fragmentation created by a consumer's researching and purchasing behavior across multiple digital devices. For MediaJel, this provides customers with an opportunity for incremental efficiencies across a number of use-cases, including reach extension, targeting, ad frequency capping, suppression, and attribution. Dash Rothberg, Senior Vice President of Strategic Partnerships at MediaJel commented, "With an endless list of considerations across consumer behavior, marketing fragmentation, and today's ongoing device proliferation – optimizing digital campaigns can be challenging for most brand advertisers. We partnered with Tapad after testing multiple cross-device solutions in the market but concluded that The Tapad Graph provided us with a blend of scale, quality, flexibility, and privacy-safe data to meet our customer needs." Mike Dadlani, Vice President of Agency Partnerships at Tapad added: "Our partnership with MediaJel is an exciting one. Not only will their portfolio of clients be enabled to more effectively execute and optimize cross-device campaigns, but they will also realize longer-term benefits from improved attribution and consumer insights." To learn more about Tapad and our digital identity resolution capabilities, visit our identity page. About Tapad Tapad, Inc. is a global leader in digital identity resolution. The Tapad Graph and its related solutions provide a transparent, privacy-safe approach connecting brands to consumers through their devices globally. Tapad is recognized across the industry for its product innovation, workplace culture, and talent, and has earned numerous awards including One World Identity's 2019 Top 100 Influencers in Identity Award. Headquartered in New York, Tapad also has offices in Chicago, London, Oslo, Singapore, and Tokyo. About MediaJel Founded in 2017, MediaJel acts as a full-service agency that provides advertising and marketing solutions from brand building and search optimizations to campaign execution and online-offline attribution. Built with proprietary technology, the MediaJel.io platform leverages unique actionable data for brands and agencies to effectively execute high-performance marketing campaigns. With "Data Ethics" being the core of the business, all aspects are brand safe and compliant for regulated industries. Contact us today

Tapad's digital identity resolution offering enables Gimbal's platform to provide expanded insights for campaign optimization to U.S. brand and agency clients NEW YORK, Feb. 11, 2020 /PRNewswire/ – Tapad, part of Experian and a global leader in digital identity resolution, announced their partnership with Gimbal, a leader of location-powered marketing and advertising solutions. Gimbal now leverages Tapad's global, privacy-safe digital cross-device solution, The Tapad Graph, to further enhance its footfall attribution solution, Arrival. Arrival delivers dwell-based attribution for in-store foot traffic and by leveraging the Tapad Graph, Gimbal provides customers with a more holistic, attributable understanding of consumers across multiple devices, like desktop, smartphone, and tablet. With this, Gimbal's clients are enabled to make more informed media planning decisions for programmatic activations across the web, and mobile apps. "Today's consumers are utilizing their digital devices for research and comparison shopping before making a purchase. By leveraging The Tapad Graph, Gimbal's clients gain an even more complete view of the consumer decision journey across devices," said Chris Feo, SVP of Global Data Licensing and Strategic Partnerships at Tapad. "With the number of devices per individual rapidly increasing, understanding the customer decision journey is becoming more complex," said Kyle Wendling, SVP of Product at Gimbal. "We're excited to partner with Tapad to continue engaging consumers across multiple devices." To learn more about Tapad and our digital identity resolution products, visit our identity solutions page. About TapadTapad, Inc. is a global leader in digital identity resolution. The Tapad Graph, and its related solutions, provide a transparent, privacy-safe approach connecting brands to consumers through their devices globally. Tapad is recognized across the industry for its product innovation, workplace culture, and talent, and has earned numerous awards including One World Identity's 2019 Top 100 Influencers in Identity Award. Headquartered in New York, Tapad also has offices in Chicago, Denver, London, Oslo, Singapore, and Tokyo. About GimbalGimbal translates location data into intent, measurement, and insights to help organizations transform their businesses, maximize marketing relevance, and humanize messaging for consumers. Gimbal is headquartered in Los Angeles and provides advertising and marketing technologies to the world's leading brands and retailers interested in understanding the physical world. To learn more, visit https://gimbal.com. Contact us today