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Mind the gap: How financial marketers can reach every consumer with Experian Audiences

Published: January 7, 2026 by Experian Marketing Services

At A Glance

Financial marketers serve consumers with very different financial habits, digital behaviors, and spending patterns. Experian Audiences offer approximately 400 financial segments and thousands of additional syndicated options covering various industries to help reach individuals at the right moment across generations, channels, and seasonal events. These privacy-safe audiences support acquisition, engagement, and year-round planning.


Experian Audiences help financial marketers serve consumers with very different financial habits, digital behaviors, and spending patterns. Backed by our deep insight into income, debt, and credit, digital behavior, and household dynamics, our approximately 400 financial audiences and 3,500+ syndicated segments give financial marketers the ability to engage consumers with relevance across every life stage, channel, and financial mindset.

To help financial marketers build effective, more adaptable programs, in this article, we’ll explore two approaches:

  • Generational: How financial behaviors differ across life stages
  • Seasonal: How consumer financial motivation spikes at key times of year

Together, these approaches help financial marketers reach the right consumers with the right message at the right moment.

Generational approach

Financial marketers face a new kind of challenge: some consumers still visit branches, while others manage nearly every financial task from their phones. That gap reflects more than a channel preference; it signals distinct financial needs, confidence levels, and expectations for how money should work across generations.

How do financial behaviors differ across generations?

Generational digital behaviors

The data below highlights key differences in how younger consumers engage with digital financial tools compared with Boomers.

Behavior/metricGen Z and MillennialsBoomers
Use peer-to-peer transfer apps (Venmo, PayPal)~50%~20%
Use a mobile wallet daily79% (Gen Z), 67% (Millennial)Nearly 70% have never used one

Younger generations are driving a mobile-first approach to money management, while Boomers are far less likely to manage their finances this way. They prioritize tools that help them build credit, reduce debt, manage rising costs, and automate everyday tasks. This behavior is reshaping how financial institutions think about acquisition, product relevance, and loyalty.

Generational workforce and retirement dynamics

As Boomers retire, their focus shifts to protecting accumulated wealth, steady income, and simplified service experiences. These changes are reshaping household finances and long-term planning behaviors across the country.

The table below outlines how shifting workforce composition and retirement milestones differ across generations.

Behavior/metricGen Z and MillennialsBoomers
Share of the U.S. workforceGrowing toward 74% of the global workforce by 2030 (younger generations collectively)~15% of the U.S. workforce and shrinking
Retirement outlookExpected age to retire 67-69~75 million people will have retired by 2030

Marketers need to do more than track trends; they need to act on them with confidence. That’s where Experian Audiences come in.

Turn generational insights into action with Experian Audiences

Experian Audiences turn complex generational data into actionable marketing segments, helping financial brands reach the right people with the right message across every life stage. We offer approximately 400 financial audiences, each reflecting distinct financial priorities, from debt management to wealth preservation. These audiences are built using privacy-safe data and grounded in our deep understanding of income, debt, and digital behavior.

Experian’s financial audiences blend credit, behavioral, and demographic signals to help you connect with consumers based on:

  • Debt profile, including type and overall burden
  • Income tier and earning stage
  • Financial confidence and digital engagement habits

How can marketers activate generational insights with Experian Audiences?

Each generation has unique financial journeys, needs, and motivations that marketers can address with Experian Audiences designed to reach:

  • Generation Z (Gen Z)
  • Millennials
  • Generation X (Gen X)
  • Baby boomers (Boomers)

In addition to these four generational segments, Experian Audiences also includes segments that apply broadly across life stages. These audiences reflect core financial attributes, such as income, capacity, and lifestyle, that are consistently relevant and can be layered onto any generational strategy.

  • Ability to pay
  • Generational income bands
  • Income
  • Mosaic® USA

While Fair Lending regulations prohibit age-based targeting, these groups are not built on age itself. Instead, they’re derived from observable financial behaviors and signals that often align with different life stages; allowing marketers to engage consumers in a compliant, behavior-driven way. We also offer FLA-friendly¹ audience segments when required, alongside expanded options for non-lending campaigns, supporting initiatives such as brand and product awareness, deposit growth, credit union membership, and other programs that don’t rely on credit-based targeting.

You can find the full taxonomy paths in the appendix.

‘Generation Z’ with two coin icons

This generation is young, digitally savvy, and highly engaged. Gen Z is beginning their financial journey with a focus on independence and debt management. Their preference for mobile-first tools and peer-to-peer payments reflects an expectation for simple, accessible financial experiences. Campaigns centered on credit-building tools, savings apps, and financial literacy resources are especially relevant for this group.

Behavior/metricGen Z
Use peer-to-peer transfer apps80%+
Use mobile wallets daily79%

Here are seven recommended audiences to target Gen Z:

  1. Credit Card Financial Personality
  2. Discretionary Spend: Dining Out
  3. Discretionary Spend: Education
  4. Discretionary Spend: Entertainment
  5. In Market Buy Now Pay Later
  6. In Market for Auto Loan or Lease
  7. Renter

How to use these audiences

Financial marketers can activate audiences like Credit Card Financial Personality, In-Market Buy Now Pay Later, and Renter to introduce credit-building tools and mobile-first financial products.

‘Millennials’ with upward arrow icons

Millennials are entering their peak earning years while balancing family, homeownership, and digital convenience. Their preference for digital and contactless payments reflects a broader expectation for seamless, mobile-first financial experiences. Campaigns highlighting mortgage products, family insurance, and digital banking resonate across connected TV, mobile, and display.

Behavior/metricMillennial
Prefer digital or contactless payments~85%

Here are ten audiences to target Millennials:

  1. Deposits Financial Personality
  2. Discretionary Spend Education
  3. Discretionary Spend Home Furnishings
  4. In Market Buy Now Pay Later
  5. In Market Real Estate
  6. Investable Assets
  7. Likely to Move
  8. Mortgage Financial Personality
  9. New Parents
  10. Student Loan Age

How to use these audiences

Financial marketers can use audiences such as Mortgage Financial Personality, New Parents, and Discretionary Spend: Home Furnishings to reach Millennials navigating homeownership, family growth, and major financial decisions.

'Generation X’ with a stack of money icon

Gen X leads in household income and prioritizes investments, education, and long-term financial stability. They respond well to data-driven offers for refinancing, college planning, and wealth management, especially across digital video, streaming, and email channels.

Behavior/metricGen ZMillennialsGen XBoomers
Median income$71,200~$104,000~$126,000~$54,000

Here are ten audiences to target Gen X:

  1. Discretionary Spend
  2. Discretionary Spend Donations
  3. Discretionary Spend Entertainment
  4. Discretionary Spend Travel
  5. Equity Loan Age
  6. Insurance Financial Personality
  7. Investment Financial Personality
  8. Investable Assets
  9. Mortgage Loan Age
  10. Net Asset Score (Net Worth)

How to use these audiences

Financial marketers can utilize audiences like Investment Financial Personality, Equity Loan Age, and Net Asset Score to promote refinancing, college planning, and wealth-building solutions.

‘Baby boomers’ with a shield icon

Boomers tend to have lower debt loads and more stable income, but place a high value on security and simplicity. Their channel preferences skew traditional, focusing on direct mail, television, and formats that reinforce trust and familiarity.

Behavior/metricBoomer
Median net worth$410,000
TV consumption98% watch TV; 77% watch more than 2 hours per day
Newspaper readership50%+ still read print or a mix of print and digital

Here are eight audiences to target Boomers:

  1. Charitable Causes
  2. Discretionary Spend
  3. Discretionary Spend Donations
  4. Discretionary Spend Travel
  5. Equity Loan Age
  6. Home Equity Financial Personality
  7. Mortgage Loan Paid Off or “Has Existing”
  8. Net Asset Score (Net Worth)

How to use these audiences

Financial marketers can target audiences such as Home Equity Financial Personality, Mortgage Loan Paid Off, and Net Asset Score to support messaging around wealth preservation, estate planning, and retirement security.

Seasonal approach

Alongside generation insights, financial advertisers should also capitalize on key seasonal events where financial motivation naturally spikes. Each season brings unique consumer behaviors, and Experian Audiences can be activated to align with these key seasonal moments.

Tax season

Refunds and debt payoff are top of mind as consumers prepare and file their returns.

  • Experian Audiences you can activate:
    • Household Tax Shelter User
    • Tax Preparation Services and Software
    • Tax Return: Professional Service Prepare User
    • Tax Return: Self Prepare User

How to use these audiences

Use Tax Preparation Services and Software or Tax Return: Self Prepare User to reach consumers actively preparing returns, paying down debt, or planning how to use their refunds.

Home buying season

Mortgage, refinancing, and home equity activity increases as consumers enter the peak home buying window.

  • Experian Audiences you can activate:
    • In Market First Mortgage
    • In Market Home Equity
    • In Market New Mortgage
    • In Market Second Mortgage
    • Refinancing Homeowners

How to use these audiences

Use In Market First Mortgage or Refinancing Homeowners to connect with consumers exploring first-time home purchases, refinance options, or equity-based borrowing.

Back-to-school

Household spending increases as families manage education costs, holiday purchases, and year-end budgeting. This period also drives heightened activity around payments, credit usage, and financial planning.

  • Experian Audiences you can activate:
    • Back to School High Spend
    • Back to School Moderate Spend
    • Back to School Spend: PreK through High School
    • College Tuition Geo Index High Spenders
    • Credit Card Age <2 Years
    • Credit Seeking Card Switcher
    • In Market Credit Card
    • In Market Personal Loan
    • Mobile Location > College Students
    • Student Loan Age <5 Years
    • Student Loan Existing

How to use these audiences

Activate Back to School High Spend, Back to School Moderate Spend, or Back to School Spend: PreK through High School audiences to reach households actively preparing for the school year.

Year-end planning (October-December)

As Boomers and Gen X plan for retirement or tax optimization, focus on wealth preservation and investment management.

  • Experian Audiences you can activate:
    • Baby Boomer Household Income $150K–$249K
    • Baby Boomer Household Income $250K–$499K
    • Estimated Household Income Range $500K
    • Gen X Household Income $1M Plus
    • Geo-Indexed Household Income $1M Plus

How to use these audiences

Use Estimated Household Income Range $500K or Geo-Indexed Household Income $1M Plus to engage consumers focused on financial wrap-up activities.

What sets Experian Audiences apart?

Our syndicated audiences give you an advantage across channels, offering both scale and accuracy:

  • Experian’s 3,500+ syndicated audiences can be sent to 200+ leading social platforms, such as Meta and Pinterest, TV, and programmatic advertising platforms, and activated directly within Audigent, a part of Experian, with private marketplaces (PMPs).
  • Reach consumers based on who they are, where they live, and their household makeup. Experian ranked #1 in accuracy by Truthset for key demographic attributes.
  • Access to unique audiences through Experian’s Partner Audiences available on Experian’s data marketplace, within Audigent, a part of Experian, for activation in PMPs, and directly on platforms like DirectTV, Dish, Magnite, OpenAP, and The Trade Desk.

You can activate our syndicated audiences on-the-shelf of most major platforms. For a full list, download our syndicated audiences guide.

Where can you activate Experian Audiences?

Experian Audiences can be activated on 200+ leading destinations or found directly on over 30 platforms, including:

Need a custom audience? Reach out to our audience team and we can help you build and activate an Experian audience on the platform of your choice.

Want to activate an Experian Audience on Meta, Pinterest, Snap, TikTok or on a platform not listed above? Contact us today.

Activate Experian Audiences today with Audigent

Audigent will build customized deals that combine premium Experian Audiences or Partner Audiences and inventory into a single, streamlined deal ID – tailored to your campaign needs. Plus, our powerful supply-side optimization ensures your campaigns deliver top marks in performance.

Connect with the Audigent team today at AudigentAgency_Brands@experian.com to get started.

Make every consumer part of your financial strategy

From first paychecks to retirement portfolios, every generation has its own financial story, and seasonal moments create predictable spikes in financial behavior. With Experian Audiences, you can plan across life stages and timing to meet consumers when intent is highest, building relationships grounded in trust, relevance, and meas

Reach out to us today

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FAQs

What are Experian Audiences?

Experian Audiences are pre-built, privacy-compliant consumer segments that help marketers target based on verified demographic, financial, and behavioral data.

They’re designed for flexibility across channels and can be activated on 200+ platforms, including major social, CTV, and programmatic partners.

Experian ranks #1 in demographic accuracy according to Truthset, and marketers can choose from 3,500+ syndicated audiences that capture signals such as income, spending behavior, household structure, financial attitudes, and ability to pay. These same audiences are also available through partnerships on platforms like DirecTV, Dish, Magnite, OpenAP, and The Trade Desk.

For a deeper look at our audience catalog, explore our syndicated audience guide

How can financial marketers use Experian Audiences effectively?

Financial marketers can use Experian Audiences by aligning audience selection with generational priorities, such as digital banking for Gen Z or retirement planning for Boomers, to improve engagement and ROI.

Are Experian Audiences compliant with financial marketing regulations?


Experian Audiences are designed to meet a variety of needs while respecting different levels of privacy standards. For example, we offer FLA-compliant segments where required, as well as broader audiences for objectives such as brand awareness, promotion, credit union membership growth, and more.

Experian’s approach to data is guided by our Global Data Principles, which reflect how we protect and manage information:

Data security: safeguarding data against unauthorized access, use, or loss
Accuracy: ensuring data is as accurate, complete, and relevant as possible
Fairness: collecting and using data responsibly and for legitimate purposes
Transparency: being open about the data we collect, how it’s used, and where it’s shared
Inclusion: using data to expand financial access and support consumer financial health

Where can you activate Experian Audiences?

You can activate Experian Audiences are available across 200+ digital and connected TV platforms, including Meta, Pinterest, The Trade Desk, and Audigent PMPs.

Can I combine Experian data with my own?

Yes, you can combine Experian data with your own. You can combine your own first-party data with Experian’s 3,500+ syndicated audiences and additional segments from multiple Partner data providers, as a custom audience within a Curated Deal or self-service via Audience Engine.


Footnote

  1. “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.

Appendix

Generation Z

  • Financial Personalities > Credit Card Financial Personality > Uninterested, Average Credit Card Balance
  • Financial Personalities > Credit Card Financial Personality > Reluctant User, High Credit Card Balance
  • Financial Personalities > Credit Card Financial Personality > Loyal Rewards Enthusiast, Low Credit Card Balance
  • Financial Personalities > Credit Card Financial Personality > Credit Seeking Card Switcher, High Credit Card Balance
  • Financial Personalities > Credit Card Financial Personality > Complacent Card User, Low Credit Card Balance
  • Financial – Analytics IQ > Discretionary Spend > Dine Out Annual Spend $4302-$99999
  • Financial – Analytics IQ > Discretionary Spend > Dine Out Annual Spend $2084-$4301
  • Financial – Analytics IQ > Discretionary Spend > Dine Out Annual Spend $0-$2083
  • Financial – Analytics IQ > Discretionary Spend > Education Annual Spend $512-$1227
  • Financial – Analytics IQ > Discretionary Spend > Education Annual Spend $1228-$99999
  • Financial – Analytics IQ > Discretionary Spend > Education Annual Spend $0-$511
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Annual Spend $4607-$99999
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Annual Spend $2230-$4606
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Annual Spend $0-$2229
  • Financial FLA Friendly > In Market > Buy Now Pay Later
  • Financial > In Market > Buy Now Pay Later
  • Financial FLA Friendly > In Market Auto Loan
  • Financial FLA Friendly > In Market Auto Lease
  • Demographics > Homeowners/Renters > Renter

Millennials

  • Financial Personalities > Deposits Financial Personality > Uninterested, Average Deposit Balance
  • Financial Personalities > Deposits Financial Personality > Self-Directed Diversifier, Very High Deposit Balance
  • Financial Personalities > Deposits Financial Personality > Hesitant Borrower, Low Deposit Balance
  • Financial Personalities > Deposits Financial Personality > Demanding Advice Seeker, Low Deposit Balance
  • Financial Personalities > Deposits Financial Personality > Conservative Branch Banker, Very High Deposit Balance
  • Financial – Analytics IQ > Discretionary Spend > Education Annual Spend $512-$1227
  • Financial – Analytics IQ > Discretionary Spend > Education Annual Spend $1228-$99999
  • Financial – Analytics IQ > Discretionary Spend > Education Annual Spend $0-$511
  • Financial – Analytics IQ > Discretionary Spend > Furnishings Annual Spend $2602-$99999
  • Financial – Analytics IQ > Discretionary Spend > Furnishings Annual Spend $1272-$2601
  • Financial – Analytics IQ > Discretionary Spend > Furnishings Annual Spend $0-$1271
  • Financial FLA Friendly > In Market > Buy Now Pay Later
  • Financial > In Market > Buy Now Pay Later
  • Publisher Derived > In-Market: Real Estate > In-Market Real Estate
  • Consumer Financial Insights > Investable Assets > Investable Annual Assets Score Less Than $10000
  • Consumer Financial Insights > Investable Assets > Investable Annual Assets Score $10000-$49999
  • Consumer Financial Insights > Investable Assets > Investable Annual Assets Score $50000-$99999
  • Consumer Financial Insights > Investable Assets > Investable Annual Assets Score $100000-$249999
  • Consumer Financial Insights > Investable Assets > Investable Annual Assets Score $250000-$499999
  • Consumer Financial Insights > Investable Assets > Investable Annual Assets Score $500000-$999999
  • Consumer Financial Insights > Investable Assets > Investable Annual Assets Score $1000000 Plus
  • Lifestyle and Interests (Affinity) > Movers > Likely to Move
  • Financial Personalities > Mortgage Financial Personality > Uninterested, Slightly Below Average Mortgage Balance
  • Financial Personalities > Mortgage Financial Personality > Secure, Active Refinancer, Above Average Mortgage Balance
  • Financial Personalities > Mortgage Financial Personality > Disciplined, Passive Borrower, Below Average Mortgage Balance
  • Financial Personalities > Mortgage Financial Personality > Conservative, Bank Loyalist, Slightly Below Average Mortgage Balance
  • Financial Personalities > Mortgage Financial Personality > Advice Seeking Refinancer, Slightly Above Average Mortgage Balance
  • Life Events > New Parents > Child Age 0-36 Months
  • Financial FLA Friendly > Student Loan Age > 9 Years
  • Financial FLA Friendly > Student Loan Age > 8 Years
  • Financial FLA Friendly > Student Loan Age > 7 Years
  • Financial FLA Friendly > Student Loan Age > 6 Years
  • Financial FLA Friendly > Student Loan Age > 12 Years
  • Financial FLA Friendly > Student Loan Age > 11 Years
  • Financial FLA Friendly > Student Loan Age > 10 Years
  • Financial FLA Friendly > Student Loan Age > <5 Years

Generation X

  • Financial – Analytics IQ > Discretionary Spend > Travel Annual Spend $682-$1364
  • Financial – Analytics IQ > Discretionary Spend > Travel Annual Spend $1365-$99999
  • Financial – Analytics IQ > Discretionary Spend > Travel Annual Spend $0-$681
  • Financial – Analytics IQ > Discretionary Spend > Reading Annual Spend $193-$99999
  • Financial – Analytics IQ > Discretionary Spend > Reading Annual Spend $102-$192
  • Financial – Analytics IQ > Discretionary Spend > Reading Annual Spend $0-$101
  • Financial – Analytics IQ > Discretionary Spend > Personal Annual Spend $993-$99999
  • Financial – Analytics IQ > Discretionary Spend > Personal Annual Spend $525-$992
  • Financial – Analytics IQ > Discretionary Spend > Personal Annual Spend $0-$524
  • Financial – Analytics IQ > Discretionary Spend > Furnishings Annual Spend $2602-$99999
  • Financial – Analytics IQ > Discretionary Spend > Furnishings Annual Spend $1272-$2601
  • Financial – Analytics IQ > Discretionary Spend > Furnishings Annual Spend $0-$1271
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Other Annual Spend $911-$1973
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Other Annual Spend $1974-$99999
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Other Annual Spend $0-$910
  • Financial – Analytics IQ > Discretionary Spend > Entertainment AV Annual Spend $952-$1763
  • Financial – Analytics IQ > Discretionary Spend > Entertainment AV Annual Spend $1764-$99999
  • Financial – Analytics IQ > Discretionary Spend > Entertainment AV Annual Spend $0-$951
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Annual Spend $4607-$99999
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Annual Spend $2230-$4606
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Annual Spend $0-$2229
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Admissions Annual Spend $833-$99999
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Admissions Annual Spend $326-$832
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Admissions Annual Spend $0-$325
  • Financial – Analytics IQ > Discretionary Spend > Education Annual Spend $512-$1227
  • Financial – Analytics IQ > Discretionary Spend > Education Annual Spend $1228-$99999
  • Financial – Analytics IQ > Discretionary Spend > Education Annual Spend $0-$511
  • Financial – Analytics IQ > Discretionary Spend > Donation Annual Spend $2568-$99999
  • Financial – Analytics IQ > Discretionary Spend > Donation Annual Spend $1265-$2567
  • Financial – Analytics IQ > Discretionary Spend > Donation Annual Spend $0-$1264
  • Financial – Analytics IQ > Discretionary Spend > Discretionary Annual Spend Estimate $31619-$99999
  • Financial – Analytics IQ > Discretionary Spend > Discretionary Annual Spend Estimate $0-$7900
  • Financial – Analytics IQ > Discretionary Spend > Discretionary Annual Spend Estimate $7901-$10930
  • Financial – Analytics IQ > Discretionary Spend > Discretionary Annual Spend Estimate $21952-$31618
  • Financial – Analytics IQ > Discretionary Spend > Discretionary Annual Spend Estimate $15180-$21951
  • Financial – Analytics IQ > Discretionary Spend > Discretionary Annual Spend Estimate $10931-$15179
  • Financial – Analytics IQ > Discretionary Spend > Dine Out Annual Spend $4302-$99999
  • Financial – Analytics IQ > Discretionary Spend > Dine Out Annual Spend $2084-$4301
  • Financial – Analytics IQ > Discretionary Spend > Dine Out Annual Spend $0-$2083
  • Financial – Analytics IQ > Discretionary Spend > Apparel Annual Spend $2818-$99999
  • Financial – Analytics IQ > Discretionary Spend > Apparel Annual Spend $1459-$2817
  • Financial – Analytics IQ > Discretionary Spend > Apparel Annual Spend $0-$1458
  • Financial – Analytics IQ > Discretionary Spend > Alcohol and Wine Annual Spend $727-$99999
  • Financial – Analytics IQ > Discretionary Spend > Alcohol and Wine Annual Spend $331-$726
  • Financial – Analytics IQ > Discretionary Spend > Alcohol and Wine Annual Spend $0-$330
  • Financial FLA Friendly > Equity Loan Age > 9 Years
  • Financial FLA Friendly > Equity Loan Age > 7-8 Years
  • Financial FLA Friendly > Equity Loan Age > 12+ Years
  • Financial FLA Friendly > Equity Loan Age > 11 Years
  • Financial FLA Friendly > Equity Loan Age > 10 Years
  • Financial FLA Friendly > Equity Loan Age > <6 Years
  • Financial Personalities > Insurance Financial Personality > Uninterested, Below Average Insurance Policy Face Value
  • Financial Personalities > Insurance Financial Personality > Secure Agent-Oriented Loyalist, High Insurance Policy Face Value
  • Financial Personalities > Insurance Financial Personality > Reluctant Insurance Skeptic, Below Average Insurance Policy Face Value
  • Financial Personalities > Insurance Financial Personality > Insurance Averse, Below Average Insurance Policy Face Value
  • Financial Personalities > Insurance Financial Personality > Engaged Advice Seeker, Average Insurance Policy Face Value
  • Financial Personalities > Insurance Financial Personality > Confident, Self-Directed Planner, High Insurance Policy Face Value
  • Financial Personalities > Investments Financial Personality > Skeptical, Fund-Oriented Investor, Low to Medium Investable Assets
  • Financial Personalities > Investments Financial Personality > Savvy Sounding-Board Seeking Investor, Average Investable Assets
  • Financial Personalities > Investments Financial Personality > Price Sensitive, Self-Directed Investor, Very High Investable Assets
  • Financial Personalities > Investments Financial Personality > Cautious Investing Novice, Low Investable Assets
  • Financial Personalities > Investments Financial Personality > Broker-Reliant Delegator, Very High Investable Assets
  • Consumer Financial Insights > Investable Assets > Investable Annual Assets Score Less Than $10000
  • Consumer Financial Insights > Investable Assets > Investable Annual Assets Score $10000-$49999
  • Consumer Financial Insights > Investable Assets > Investable Annual Assets Score $50000-$99999
  • Consumer Financial Insights > Investable Assets > Investable Annual Assets Score $100000-$249999
  • Consumer Financial Insights > Investable Assets > Investable Annual Assets Score $250000-$499999
  • Consumer Financial Insights > Investable Assets > Investable Annual Assets Score $500000-$999999
  • Consumer Financial Insights > Investable Assets > Investable Annual Assets Score $1000000 Plus
  • Financial FLA Friendly > Mortgage Loan Age > 9 Years
  • Financial FLA Friendly > Mortgage Loan Age > 8 Years
  • Financial FLA Friendly > Mortgage Loan Age > 7 Years
  • Financial FLA Friendly > Mortgage Loan Age > 6 Years
  • Financial FLA Friendly > Mortgage Loan Age > 5 Years
  • Financial FLA Friendly > Mortgage Loan Age > 13 Years
  • Financial FLA Friendly > Mortgage Loan Age > 11-12 Years
  • Financial FLA Friendly > Mortgage Loan Age > 10 Years
  • Financial FLA Friendly > Mortgage Loan Age > <4 Years
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Asset Score Net Worth $1000000 Plus
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Asset Score $2500000 Plus
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score Less Than $25000
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $750000-$999999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $75000-$99999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $500000-$749999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $50000-$74999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Asset Score $5000000 Plus
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $250000-$499999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $25000-$49999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $2500000-$4999999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $100000-$249999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $1000000-$2499999

Baby boomers

  • Lifestyle and Interests (Affinity) > Charitable Causes > Contributes to Private Foundations
  • Lifestyle and Interests (Affinity) > Charitable Causes > Contributes to Political Charities
  • Lifestyle and Interests (Affinity) > Charitable Causes > Contributes to Health Charities
  • Lifestyle and Interests (Affinity) > Charitable Causes > Contributes to Education Charities
  • Lifestyle and Interests (Affinity) > Charitable Causes > Contributes to Charities
  • Lifestyle and Interests (Affinity) > Charitable Causes > Contributes to Arts/Culture Charities
  • Lifestyle and Interests (Affinity) > Charitable Causes > Contributes by Volunteering
  • Financial – Analytics IQ > Discretionary Spend > Travel Annual Spend $682-$1364
  • Financial – Analytics IQ > Discretionary Spend > Travel Annual Spend $1365-$99999
  • Financial – Analytics IQ > Discretionary Spend > Travel Annual Spend $0-$681
  • Financial – Analytics IQ > Discretionary Spend > Reading Annual Spend $193-$99999
  • Financial – Analytics IQ > Discretionary Spend > Reading Annual Spend $102-$192
  • Financial – Analytics IQ > Discretionary Spend > Reading Annual Spend $0-$101
  • Financial – Analytics IQ > Discretionary Spend > Personal Annual Spend $993-$99999
  • Financial – Analytics IQ > Discretionary Spend > Personal Annual Spend $525-$992
  • Financial – Analytics IQ > Discretionary Spend > Personal Annual Spend $0-$524
  • Financial – Analytics IQ > Discretionary Spend > Furnishings Annual Spend $2602-$99999
  • Financial – Analytics IQ > Discretionary Spend > Furnishings Annual Spend $1272-$2601
  • Financial – Analytics IQ > Discretionary Spend > Furnishings Annual Spend $0-$1271
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Other Annual Spend $911-$1973
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Other Annual Spend $1974-$99999
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Other Annual Spend $0-$910
  • Financial – Analytics IQ > Discretionary Spend > Entertainment AV Annual Spend $952-$1763
  • Financial – Analytics IQ > Discretionary Spend > Entertainment AV Annual Spend $1764-$99999
  • Financial – Analytics IQ > Discretionary Spend > Entertainment AV Annual Spend $0-$951
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Annual Spend $4607-$99999
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Annual Spend $2230-$4606
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Annual Spend $0-$2229
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Admissions Annual Spend $833-$99999
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Admissions Annual Spend $326-$832
  • Financial – Analytics IQ > Discretionary Spend > Entertainment Admissions Annual Spend $0-$325
  • Financial – Analytics IQ > Discretionary Spend > Education Annual Spend $512-$1227
  • Financial – Analytics IQ > Discretionary Spend > Education Annual Spend $1228-$99999
  • Financial – Analytics IQ > Discretionary Spend > Education Annual Spend $0-$511
  • Financial – Analytics IQ > Discretionary Spend > Donation Annual Spend $2568-$99999
  • Financial – Analytics IQ > Discretionary Spend > Donation Annual Spend $1265-$2567
  • Financial – Analytics IQ > Discretionary Spend > Donation Annual Spend $0-$1264
  • Financial – Analytics IQ > Discretionary Spend > Discretionary Annual Spend Estimate $31619-$99999
  • Financial – Analytics IQ > Discretionary Spend > Discretionary Annual Spend Estimate $0-$7900
  • Financial – Analytics IQ > Discretionary Spend > Discretionary Annual Spend Estimate $7901-$10930
  • Financial – Analytics IQ > Discretionary Spend > Discretionary Annual Spend Estimate $21952-$31618
  • Financial – Analytics IQ > Discretionary Spend > Discretionary Annual Spend Estimate $15180-$21951
  • Financial – Analytics IQ > Discretionary Spend > Discretionary Annual Spend Estimate $10931-$15179
  • Financial – Analytics IQ > Discretionary Spend > Dine Out Annual Spend $4302-$99999
  • Financial – Analytics IQ > Discretionary Spend > Dine Out Annual Spend $2084-$4301
  • Financial – Analytics IQ > Discretionary Spend > Dine Out Annual Spend $0-$2083
  • Financial – Analytics IQ > Discretionary Spend > Apparel Annual Spend $2818-$99999
  • Financial – Analytics IQ > Discretionary Spend > Apparel Annual Spend $1459-$2817
  • Financial – Analytics IQ > Discretionary Spend > Apparel Annual Spend $0-$1458
  • Financial – Analytics IQ > Discretionary Spend > Alcohol and Wine Annual Spend $727-$99999
  • Financial – Analytics IQ > Discretionary Spend > Alcohol and Wine Annual Spend $331-$726
  • Financial – Analytics IQ > Discretionary Spend > Alcohol and Wine Annual Spend $0-$330
  • Financial FLA Friendly > Equity Loan Age > 9 Years
  • Financial FLA Friendly > Equity Loan Age > 7-8 Years
  • Financial FLA Friendly > Equity Loan Age > 12+ Years
  • Financial FLA Friendly > Equity Loan Age > 11 Years
  • Financial FLA Friendly > Equity Loan Age > 10 Years
  • Financial FLA Friendly > Equity Loan Age > <6 Years
  • Financial Personalities > Home Equity Financial Personality > Uninterested, Low Home Equity Balance
  • Financial Personalities > Home Equity Financial Personality > Secure, Savvy Credit User, High Home Equity Balance
  • Financial Personalities > Home Equity Financial Personality > Home Equity Enthusiast, Very High Home Equity Balance
  • Financial Personalities > Home Equity Financial Personality > Home Equity Averse Skeptic, Very Low Home Equity Balance
  • Financial Personalities > Home Equity Financial Personality > Hesitant Borrower, Low Home Equity Balance
  • Financial FLA Friendly > Mortgage Loan Paid Off
  • Financial FLA Friendly > Mortgage Loan Has Existing
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Asset Score Net Worth $1000000 Plus
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Asset Score $2500000 Plus
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score Less Than $25000
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $750000-$999999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $75000-$99999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $500000-$749999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $50000-$74999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Asset Score $5000000 Plus
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $250000-$499999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $25000-$49999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $2500000-$4999999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $100000-$249999
  • Consumer Financial Insights > Net Assets Score (Net Worth) > Net Assets Score $1000000-$2499999

Tax season

  • Lifestyle and Interests (Affinity) > Financial Behavior > Household Tax Shelter User
  • Publisher Derived > In-Market: Financial Services > Tax Preparation Services and Software
  • Lifestyle and Interests (Affinity) > Financial Behavior > Tax Return –Professional Service Prepare user
  • Lifestyle and Interests (Affinity) > Financial Behavior > Tax Return – Self prepare user

Home buying season

  • Financial FLA Friendly > In Market First Mortgage
  • Financial FLA Friendly > In Market Home Equity
  • Financial FLA Friendly > In Market New Mortgage
  • Financial FLA Friendly > In Market Second Mortgage
  • Financial FLA Friendly > Refinancing Homeowners

Back to school

  • Retail Shoppers: Purchase Based > Seasonal > Back to School Apparel – High School
  • Retail Shoppers: Purchase Based > Seasonal > Back to School Moderate Spend
  • Retail Shoppers: Purchase Based > Seasonal > Back to School High Spend – PreK (Early Ed – PreK)
  • Geo-Indexed > Discretionary Spend > College Tuition GeoIndex High Spenders
  • Financial Personalities > Credit Card Financial Personality > Credit Seeking Card Switcher, High Credit Card Balance
  • Financial FLA Friendly > In Market Credit Card
  • Financial FLA Friendly > In Market Personal Loan Consolidated
  • Mobile Location Models > Visits > College Students
  • Financial FLA Friendly > Student Loan Age > <5 Years
  • Financial FLA Friendly > Student Loan Has Existing

Year-end planning

  • Demographics > Household Income (HHI) > Baby Boomer Household Income $150K-$249K
  • Demographics > Household Income (HHI) > Baby Boomer Household Income $250K-$499K
  • Demographics > Household Income (HHI) > Estimated Household Income Range $500K Plus
  • Demographics > Household Income (HHI) > Gen X Household Income $1M Plus
  • Geo-Indexed > Demographics > Geo-Indexed Household Income $1M Plus

Latest posts

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From identity to outcomes: Five ways to reshape your marketing strategies

Brand and tech leaders share insights to guide marketers forward Cannes Lions 2025 brought its usual charm, rosé, and lively discussions, but what stood out was a shift in tone: brand and tech leaders aren’t talking in theories anymore – they’re rebuilding how advertising works. From identity to outcomes, the consensus was clear: marketers need bold, structural changes to thrive. At Experian, we spoke with leaders from Ampersand, Butler/Till, Comcast Advertising, Fox, OpenX, Optable, Snowflake, VideoAmp, and Yieldmo. Their message? Foundational change, not incremental tweaks, is the way forward. Here are five moves marketers and CMOs should be making right now. 1. Make identity the foundation, not an add-on Identity must be the core of your marketing strategy, not an afterthought. Building a strong identity framework from the outset ensures that your data and tech stack work seamlessly across channels. This means investing in first-party data assets and identity resolution tools that inform every campaign and tactic. Identity isn’t just a feature; it’s the base layer of everything successful marketers do today. "There’s no AI strategy without a data and identity strategy. Marketers who want to stretch every media dollar and personalize each touchpoint need a unified, deeper view of the consumer – insight they can carry straight into downstream ad platforms.”David Wells, Snowflake Next step: Treat identity resolution as a prerequisite to every campaign, not a task to address later. Align your data management platform (DMP), customer data platform (CDP), and collaboration partners around a unified identity spine (Experian’s or your own) to ensure data flows uninterrupted from planning to reporting. 2. Curate, don't automate. Programmatic is getting personal Programmatic advertising remains relevant, but its purpose is evolving from mere automation to intelligent, data-driven curation. This shift requires moving beyond static site lists to dynamic, page-level contextual engines that determine, in real-time, which impressions to display. Today, it’s about carefully selecting and curating inventory to ensure transparency, quality, and relevance for your audience. Marketers are increasingly turning to private marketplaces (PMPs) that offer curated, brand safe inventory and clear supply paths to deliver meaningful results. Expect continued growth in curated PMPs, AI-assisted forecasting, and supply-side innovations that combine premium connected TV (CTV) inventory with deterministic data. The goal is to reach the right viewer and understand exactly how and why they got there. “What we’re talking about right now is almost like curation 2.0, which is bringing more of the capabilities that historically sat with the demand-side platform (DSP) into the hands of the supply-side platform (SSP) – that is, supply-side targeting, or what we call data-driven curation."Matt Sattel, OpenX Next step: Audit your supply chain. If you can’t clearly explain every step from bid request to delivery, explore curated deals or direct SSP partnerships that align with your quality and transparency standards. 3. Connect teams like you connect data Fragmented results often stem from fragmented teams. Persistent silos (like TV buys on one floor, digital on another, and data science somewhere else) slow down budgets and create inconsistent messaging. Forward thinking organizations are restructuring teams around unified KPIs and shared data. When planners, buyers, and analysts work together (or at least share dashboards), campaigns move faster and creative stays consistent. “We restructured our teams to focus on all forms of video – linear, streaming, and online. This allowed us to embrace partners who cross over these verticals and technical approaches.”Gina Whelehan, Butler/Till Next step: Map your current workflow end-to-end. Where does a brief stall or data stop flowing? Restructure teams or create shared success metrics to eliminate bottlenecks. 4. Turn disconnected data into unified insights Marketers have spent years gathering massive amounts of data, but hoarding data isn’t a winning strategy. The future belongs to those who can collaborate with partners to connect and utilize data effectively, all while respecting privacy and security. Rather than chasing the next data source, leading marketers are finding ways to safely connect data already available in-house or via partners. This might involve data clean rooms, secure data sharing agreements, or joint analytics initiatives – but the common thread is working together on data, not operating in isolation. “We've been encouraging marketers to tie in first-party data and to really utilize that data and to work with trusted sources and deterministic sources in order to overcome a lot of the challenges around signal loss with cookies, in particular. The other way is also clean rooms. Clean rooms really enable the opportunity to collaborate in a private, safe way, and connecting to those more deterministic sources in order to deliver the results that advertisers are looking for.”Carmela Fournier, Comcast Advertising Next step: Identify gaps in your first-party data. Then, collaborate with a provider like Experian to safely match data sets and unlock insights without exposing sensitive info. 5. Focus on outcomes, not clicks Impressions, clicks, and other output metrics have been the currency of marketing for decades. But the consensus at Cannes is that those proxies aren’t enough – business outcomes are what matter now. Marketers must shift their focus to measuring real results, such as sales lift, new customer acquisition, lifetime value, or brand impact, rather than getting bogged down in intermediate metrics. This move to outcome-based measurement changes how campaigns are planned and judged: success is defined by the value created, not just the volume delivered. Unified, identity-based analytics are finally making it possible to see who saw an ad and what they did next, across TV, CTV, and digital. That intel drives smarter budget shifts and tighter creative feedback loops. “Outcome-based measurement is table stakes in today’s media ecosystem, and Ampersand has woven it into almost everything we do. Thanks to Experian’s strength in identity, audience insights, and outcome measurement, we can give advertisers the attribution they need at every stage of the funnel.”Justin Rosen, Ampersand Next step: Identify metrics that matter to your bottom line, then find a partner who can measure them accurately. If measurement stacks don’t talk to each other, they’re holding you back. Preparing for the challenges ahead The common thread across these five moves is connection – connecting data, teams, and outcomes. Marketers who act on these imperatives will be ready for whatever new screen, format, or privacy rule comes next. Experian can help you: Establish an identity spine Enable secure data collaboration in or out of clean room environments Curate premium CTV inventory with deterministic audiences Measure business outcomes across every channel Ready to make your next bold move? Let's start a conversation Latest posts

Jul 29,2025 by Experian Marketing Services

Solving the multiscreen challenge: How Experian helps Optimum Media connect campaigns across channels

Marketers are searching for better ways to connect with their audiences across screens and prove results. Optimum Media is at the forefront of this development, helping brands plan, activate, and measure campaigns across linear TV, addressable TV, connected TV (CTV), digital, and social platforms. To support this approach, Optimum Media partners with Experian, combining their subscriber data with Experian’s trusted audience and identity solutions. Together, we help brands not only find the right consumers but also understand their behaviors and measure real outcomes. Here’s how Optimum Media and Experian are working together. Build a complete customer view with rich data from Experian Optimum Media starts with strong first-party data, including viewership and exposure information from millions of households. However, reaching a deeper understanding of these audiences requires more than what subscriber records alone can offer. Through Experian’s Marketing Attributes, Optimum Media gains access to thousands of demographic and behavioral attributes to its data sets. These attributes—such as income ranges, lifestyle interests, and retail purchasing behaviors—help advertisers build a more complete view of the consumer. "We work with trusted partners like Experian to deliver the additional audience insights—like demographics and lifestyle—that are critical for our clients' success."Natalia Irmin, Sr. Director, Strategic Partnerships, Optimum Media Combining Experian’s Marketing Attributes with Optimum Media’s subscriber footprint helps brands segment audiences more precisely, develop refined media plans, and tailor messaging based on the real behaviors and interests of consumers. Move beyond basic targeting with Audience Engine To support more personalized and scalable targeting, Optimum Media uses Audience Engine—Experian’s self-service platform for audience management and activation. Through Audience Engine, Optimum Media can: Access Experian’s syndicated audiences Not just what’s available directly on their platform. Build custom segments Using Experian’s demographic and behavioral insights. Tap into our data marketplace To explore additional segments from Experian and our Partner Audiences through trusted third-party providers. These tools give Optimum Media and its clients the ability to move beyond basic targeting. Whether a brand wants to reach families preparing for back-to-school shopping, in-market car buyers, or upscale consumers planning home renovations, Audience Engine makes it possible to identify and activate those audiences with greater accuracy—based on real data, not guesswork. Extend campaign reach with Experian’s Digital Graph While Optimum Media has a substantial owned footprint, they often work with advertisers who need to extend reach beyond traditional subscriber bases. To support this, they rely on Experian’s Digital Graph. Our Digital Graph connects mobile ad IDs (MAIDs), IP addresses, CTV IDs, and hashed emails into unified household and individual profiles. This enables Optimum Media to identify and reach audiences outside of their network with the same level of accuracy as inside it. For even deeper audience insights, Digital Graph can be bundled with Marketing Attributes. This combination helps advertisers go beyond basic targeting to include real-world behaviors like shopping habits, travel preferences, and lifestyle characteristics. The result: campaigns that do more than deliver impressions—they connect with the right households across any channel. Turn viewership into measurable business outcomes One of the biggest challenges in multiscreen advertising is connecting exposure to real business results. With Experian’s solutions, Optimum Media can: Plan based on audience behaviors across screens, not just age and gender demographics. Activate household-level audiences across linear, CTV, digital, and social. Measure campaign performance using unduplicated reach, frequency, and attribution across devices. By offering advertisers access to a more complete consumer profile and maintaining consistent measurement across channels, Optimum Media and Experian help clients make better decisions about where to spend and how to adjust strategies over time. Why the Optimum Media and Experian partnership delivers Deeper audience understanding: By combining first-party viewership with Experian’s demographic and behavioral data, advertisers gain a fuller picture of who they are reaching. Seamless cross-platform execution: Identity solutions like Digital Graph allow brands to reach audiences across multiple devices and channels without losing precision. "Optimum Media has been instrumental in helping Experian strengthen the precision, quality, and real-world applications of our data. Their ongoing feedback is invaluable in making sure our solutions continue to meet client needs and perform at the highest level."Chris Feo, Chief Business Officer, Experian With a single, trusted partner offering both identity and audience solutions, Optimum Media avoids the complexity many advertisers still face when piecing together different data sets and vendors. “Having Experian’s identity and audience solutions under one roof makes it easier for us to plan, reach, and measure across every channel. It’s a complete solution that simplifies advertising and improves performance.”Natalia Irmin, Sr. Director, Strategic Partnerships, Optimum Media Start building better campaigns with Experian Ready to improve your audience targeting and measurement strategies like Optimum Media? Connect with our team today to learn how Marketing Attributes, Audience Engine, Digital Graph, and our other solutions can help you build stronger, more measurable advertising campaigns. Connect with us About Optimum Media Optimum Media is a multiscreen advertising business that partners with small and medium businesses, as well as national, political, media and entertainment, and agency clients across the United States. They work with advertisers to develop custom multiscreen advertising solutions powered by proprietary technology and a massive aggregated database of audience data points and TV viewership data. Latest posts

Jul 24,2025 by Experian Marketing Services

Identity is the bridge between AI and outcomes

Originally appeared in The Current Forget the cookie delay — AI is already rewriting the rules of advertising. While the industry was busy debating yet another postponement of Chrome’s third-party cookie phaseout, AI quietly became the most disruptive force in marketing. But here’s the twist: AI doesn’t work without identity. If marketers want results — real outcomes, not just impressions — they need to prioritize the data that makes AI go. First-party data strategies are now mainstream. Interoperable identity solutions like Unified I.D. 2.0 (UID2) and ID5 are gaining adoption across the open web. Connected TV (CTV) has grown into a performance-focused, cookieless channel. Contextual and geo-based targeting have become smarter and more scalable. Identity graphs are helping marketers stitch together signals across devices, platforms, and channels. The foundation for a better ecosystem isn’t being built — it’s already here. The AI hype is over — and the stakes are higher It’s no longer buzz. AI is here, and it’s already reshaping how we plan, activate, and measure advertising. We’re seeing the rise of agentic AI: systems that don’t just surface insights but act on them. These AI agents are identifying patterns, building audiences, optimizing media buys, and analyzing performance. AI is helping marketers stop guessing and start improving. But there’s a catch — one we can’t afford to overlook. AI is only as good as the data it works with. “Garbage in, garbage out.” as the saying goes. And in advertising, that means if you don’t know who you’re reaching, even the smartest AI won’t drive results. To unlock AI’s full potential, marketers need a strong, privacy-safe identity foundation. Identity is the fuel that makes AI work AI can personalize creative, optimize in-flight campaigns, and even recommend which channels to prioritize — but it can’t do any of that well without context. And context starts with identity. Identity connects signals from different devices, logins, channels, and interactions to real people. It tells your AI models who you’re talking to — not just what they clicked. That kind of clarity gives AI the power to make smarter predictions, uncover insights, and deliver relevance at scale. Without identity, AI is guessing. With identity, it’s delivering. Identity is the foundation of the outcomes era We’re living in a performance-driven age. Impressions and clicks are no longer enough. Marketers today are being judged by real outcomes: incremental sales, customer acquisition, revenue lift, and long-term value. To measure those outcomes, you need to know who you reached — and whether they took action. Identity makes that connection possible. It links ad exposure to real-world results. It enables accurate attribution across channels. It powers personalization at every stage of the journey, making every impression more valuable. This is the outcomes era, and identity is what makes it measurable. Commerce media and CTV show what’s possible Two of the fastest-growing channels — commerce media and CTV — are great examples of identity in action. Commerce media In commerce media, identity helps retailers and marketplaces organize their customer data, enrich it with external insights, and activate it across their own sites and off-site channels. It makes accurate targeting possible and gives marketers a clear ROI they can prove. CTV In CTV, identity helps solve a fundamental challenge: turning anonymous viewers into addressable audiences. On free ad-supported streaming platforms (FAST), identity solutions resolve viewership to the household level. On logged-in platforms, identity enriches profiles with behavioral and purchase data, boosting demand, improving CPMs, and growing revenue. At Experian, we’ve invested in this future. Our recent acquisition of Audigent brings together data, identity, and activation — under one roof — built to support both AI-driven planning and outcome-based performance. How marketers can win now To stay ahead in a world defined by AI and outcomes, marketers need to: Invest in omnichannel identity To unify signals across platforms and environments. Make identity actionable in real time To inform both targeting and measurement. Utilize first-party data, clean rooms, and privacy-safe partnerships To future-proof performance. Tailor identity strategies To fit their media mix — because what works in CTV may not apply to in-app or web. It’s not about rebuilding everything. It’s about building on what’s already working. Final thought: Identity is the bridge AI is raising the bar, and outcomes are the new standard. But neither works without identity. The marketers who win won’t treat identity as a compliance checkbox — they’ll treat it as their competitive edge. Get started with us today Latest posts

Jul 22,2025 by Christopher Feo, Chief Business Officer

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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.

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