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.In this article…
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/metric | Gen Z and Millennials | Boomers |
| Use peer-to-peer transfer apps (Venmo, PayPal) | ~50% | ~20% |
| Use a mobile wallet daily | 79% (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/metric | Gen Z and Millennials | Boomers |
| Share of the U.S. workforce | Growing toward 74% of the global workforce by 2030 (younger generations collectively) | ~15% of the U.S. workforce and shrinking |
| Retirement outlook | Expected 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.

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.
Here are seven recommended audiences to target Gen Z:
- Credit Card Financial Personality
- Discretionary Spend: Dining Out
- Discretionary Spend: Education
- Discretionary Spend: Entertainment
- In Market Buy Now Pay Later
- In Market for Auto Loan or Lease
- 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 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/metric | Millennial |
| Prefer digital or contactless payments | ~85% |
Here are ten audiences to target Millennials:
- Deposits Financial Personality
- Discretionary Spend Education
- Discretionary Spend Home Furnishings
- In Market Buy Now Pay Later
- In Market Real Estate
- Investable Assets
- Likely to Move
- Mortgage Financial Personality
- New Parents
- 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.

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.
Here are ten audiences to target Gen X:
- Discretionary Spend
- Discretionary Spend Donations
- Discretionary Spend Entertainment
- Discretionary Spend Travel
- Equity Loan Age
- Insurance Financial Personality
- Investment Financial Personality
- Investable Assets
- Mortgage Loan Age
- 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.

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/metric | Boomer |
| Median net worth | $410,000 |
| TV consumption | 98% watch TV; 77% watch more than 2 hours per day |
| Newspaper readership | 50%+ still read print or a mix of print and digital |
Here are eight audiences to target Boomers:
- Charitable Causes
- Discretionary Spend
- Discretionary Spend Donations
- Discretionary Spend Travel
- Equity Loan Age
- Home Equity Financial Personality
- Mortgage Loan Paid Off or “Has Existing”
- 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
FAQs
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.
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.
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
You can activate Experian Audiences are available across 200+ digital and connected TV platforms, including Meta, Pinterest, The Trade Desk, and Audigent PMPs.
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
- “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

Summer may be vacation season for consumers, but it's go time for marketers. Between holiday weekends, travel season, and changing shopping habits, the pressure is on to deliver campaigns that land and convert. If you're feeling behind, you're not alone. Many marketers face the same challenge every year: How do you actually use the customer data you have to fuel high-impact, seasonal marketing? And how do you ensure your brand shows up in front of the right people in the right place before the competition beats you to it? That’s where Experian comes in. With Experian’s advanced Audience solutions, you can get ahead of the trends, connect with vacation-ready shoppers, and optimize performance across digital, TV, and retail media using customer data for seasonal marketing. Capitalize on vacation excitement to drive sales and growth Summer travel often triggers a surge in pre-trip spending. Surveys show that 82% of consumers plan to travel this summer, and according to Fortune, today’s travelers spend thousands of dollars on things like luggage, apparel, and recreation gear before they even leave their homes! But while consumer demand is heating up, so are the challenges. Marketers are navigating a turbulent economic environment shaped by shifting demand curves, tighter budgets, the rising cost of goods, and supply chain disruptions caused by newly imposed tariffs. These pressures are forcing teams to rethink everything from product positioning to pricing strategies. In this climate, it’s more important than ever to maximize performance, reduce waste, and stay laser-focused on reaching high-intent audiences likely to convert. Using customer data for seasonal marketing helps brands predict and capture demand with precise, relevant targeting. Whether your customers are planning a trip to the beach or hiking the Rockies, timely messaging and audience alignment can drive engagement and conversion. Experian Audiences power effective audience strategies But even the most compelling campaigns can fall flat if you're working with incomplete data, outdated segments, or generic targeting. Consumer data providers like Experian can help you fix that. Our Audience solutions help you go beyond assumptions and truly understand who your shoppers are, what they’re planning, and how they behave, so you’re ready to get in front of their summer plans. Six steps to creating a successful seasonal marketing campaign When you’re ready to turn summer intent into strategy, Experian Audience solutions help you translate vacation-driven behaviors into high-performing campaigns. Each product in the Experian Audience suite supports a specific stage in seasonal marketing planning and execution. 1. Define your goals Before diving into channels and creatives, get clear on your customer database marketing goals. Are you trying to increase online purchases? Drive in-store traffic? Expand brand awareness? Use Syndicated Audiences to set fast, focused goals. If you’re short on time, Experian’s 2,400+ Syndicated Audiences give you a head start. These pre-built, behavior-based segments — from luxury travelers to seasonal sports enthusiasts — help you quickly identify who to target, where they spend time, and how to message to them. With segments ready to plug into 30+ activation platforms, you can ensure quick, confident activation. 2. Decide what data you need and which audiences to target Using customer data for seasonal marketing means mapping behavior to intent. This core tactic in customer database marketing can help you drive deeper engagement. Our data solutions simplify the process, whether you’re starting with limited data or already know your best customers. If you’re starting with a list, Enrichment can append lifestyle, income, and travel preference data to help you understand what motivates your existing customers. If you don’t have a list, Marketing Attributes gives you full control when building new audiences or lookalikes based on relevant seasonal traits like beach vacationers or frequent CTV watchers. 3. Identify key holidays and events Summer is full of shopping triggers: Memorial Day, Father’s Day, Fourth of July, Labor Day, and countless local and regional events. However, not every customer behaves the same way. Use Enrichment to understand when your customers are most likely to act. By comparing your first-party data to broader market segments, you can time promotions more strategically. For instance, enrichment might reveal that outdoor gear buyers convert in early June, while luxury travelers plan closer to July. 4. Activate across digital, TV, and retail media Summer shoppers don’t stick to one screen. They’re streaming TV, reading travel blogs, browsing retail apps, and catching up on email — often from a beach chair or airplane seat. That’s why omnichannel delivery is a must, and it’s where consumer data vendors like Experian can help you reach your audience across channels with targeted messaging for key holidays and events: Syndicated Audiences simplifies omnichannel activation with built-in integrations to 30+ leading activation platforms. These pre-mapped segments let you deliver consistent messaging across the places where your audience is most engaged. Looking for privacy-forward reach? Contextually-Indexed Audiences are segments built by linking real-world behavioral data to the types of content those audiences typically consume online, allowing you to activate based on content instead of identity while offering a more contextually relevant experience. Using customer data for seasonal marketing, Experian maps real audience segments across web and app environments — like national park guides and travel blogs — for ID-free precision targeting in a cookieless environment. 5. Track and evaluate performance Don’t wait until the end of the campaign to make changes. Experian’s measurement tools help you track performance in real time, so you can optimize early and often. Measure how well specific audiences — enriched, syndicated, or contextual — are performing across platforms and use those insights to shift spend toward top performers. 6. Optimize and refine your strategy After the season ends, it's time to take what you’ve learned and build smarter for the next push. Use Outcomes to analyze: Who converted Which segments underperformed How your customer base compares to the broader market How your audience evolved Which campaigns drove meaningful adoption These insights can then inform your next round of audience building, so whether it’s back-to-school or a holiday, you’re already ahead. Example 1: The beach vacation shopper To illustrate Experian’s Audience solutions at work, let’s say a high-end swimsuit brand wants to reach women over 30 planning beach vacations to Florida, Hawaii, or Mexico. However, their CRM only includes basic transaction and purchase details and offers little insight into who their customers are. Audience solution: Enrichment Using Experian’s Enrichment solution, the brand could layer on lifestyle, income, and travel preference data to turn shallow profiles into rich audience segments. With a deeper understanding of their shoppers, the brand could develop a targeted messaging strategy by destination, build high-performing lookalike audiences, and confidently activate across channels. Example 2: The European traveler As another example, suppose a footwear brand wants to reach millennial travelers heading to Europe between May and August. They specialize in stylish, comfortable walking shoes that are ideal for travel but lack the technical in-house resources to build custom segments. Audience solution: Syndicated Audiences Using our Syndicated Audiences, the brand could easily tap into pre-built segments tied to leisure travelers, international shoppers, and comfort-focused footwear buyers. With plug-and-play access to over 2,400 verified audience segments, the brand could quickly layer this targeting into their programmatic and paid social campaigns without requiring custom development. And with fast speed-to-market and improved message relevance, the brand could launch cross-channel campaigns just in time for peak summer travel planning. Example 3: The outdoorsman Consider a camping tent company that wants to reach families planning summer trips to national parks, campgrounds, or RV resorts. They don’t have much first-party data to work with, but they know their audience is online, researching their next adventure. Audience solution: Contextually-Indexed Audiences With Experian’s Contextually-Indexed Audiences, the brand could target people actively reading content about outdoor travel (like hiking tips, campground reviews, or road trip itineraries) without relying on cookies or IDs. They’d be able to activate contextually relevant audiences mapped to sites that outdoor enthusiasts frequent and drive site traffic with strong click-through rates. Example 4: Big-box retailer launching summer gear Imagine a national retailer preparing to promote summer essentials like patio furniture, grills, fitness gear, and travel accessories. Their goal is to build predictive models for their summer product demand and reach new customers most likely to buy before they even search. Audience solution: Marketing Attributes With Experian’s Marketing Attributes, the retailer could license over 5,000 lifestyle, demographic, and behavioral variables to enrich internal models and uncover high-indexing consumer groups, such as outdoor entertainers or health-conscious families. This data-powered insight would help them predict demand and identify audience segments worth testing across media channels. The team could find new, qualified segments ideal for email and CTV activation and get a head start on the season, eventually increasing ROI on their summer campaign spend. Talk to Experian about your summer campaigns today Using customer data for marketing doesn't have to be overwhelming, especially when you have access to a trusted consumer data provider and plug-and-play audience tools for every stage of the funnel. Whether you’re working with a robust CRM or starting fresh, consumer data vendors like Experian can help you reach the right audiences with speed, accuracy, and confidence. Our advanced tools are designed for both advanced marketers and teams just beginning to explore consumer database marketing. No matter your goals, Experian is here to help you build an audience strategy that performs. Contact us today Latest posts

Connected TV (CTV) continues to expand as a dominant force in digital advertising. Streaming adoption is climbing, yet advertising budgets aren’t keeping pace. With the Newfronts and Upfronts presentations completed, advertisers are being asked to make big decisions with lingering questions still in the mix. One of the biggest barriers? Persistent misconceptions about what CTV can and can’t do. That uncertainty can hold teams back from putting serious weight behind the most addressable screen in the house. Experian works with leading CTV partners to tackle those concerns head on – whether it’s improving measurement, reducing wasted impressions, or making audience data more actionable. To help marketers walk into Upfront conversations with clarity and confidence, we connected with industry experts from Ampersand, the Advertising Research Foundation (ARF), FreeWheel, and Madhive to separate fact from fiction. Here are four common CTV myths – and the reality behind them 1. CTV is not ready for performance marketing Why this misconception exists CTV was once seen as a branding tool—good for awareness, but hard to measure. Without clear attribution or precise targeting, it wasn’t built for the kind of performance marketing advertisers expect from digital media. What's actually happening In the not-so-distant past, marketers lacked a consistent way to connect CTV impressions to digital or in-store actions because of device fragmentation and limited signal sharing between platforms. Today, you can reach specific audiences on the biggest screen in the house—and know what happened after they saw your ad. Advancements in identity resolution and cross-device tracking now allow advertisers to measure everything from incremental reach to store visits and purchases. The growing use of universal identifiers like Unified ID 2.0 (UID2) makes it easier to connect ad exposure to real outcomes across screens. "With better visibility into who’s watching CTV and what they do afterward, it’s no longer just about getting a message in front of people—we can actually understand if it drove real-world results, like a store visit or a purchase. By tapping into high-quality audience data—from behavioral to demographic to transactional—we’re able to improve match rates and reach, which ultimately leads to more meaningful outcomes for advertisers."Murphy Vandemotter, Director of Data Operations, Madhive That shift—from impressions to impact—is what makes CTV a true performance channel, not just a way to build brand awareness. How Madhive works with Experian to provide data that drives better targeting and measurement – at scale Madhive is helping local advertisers achieve better CTV outcomes by integrating Experian’s syndicated audiences directly into the Madhive Data Marketplace. Advertisers are using Experian’s data to better understand local audiences, deliver more personalized messaging, and extend campaign reach – in some cases, achieving 10x the reach compared to other marketplaces. Combined with Madhive’s measurement tools and real-time optimization capabilities, advertisers can maximize their CTV investments by building lookalike audiences, quickly adjusting underperforming strategies, and personalizing engagement with viewers at the local level. 2. CTV advertising lacks brand safety and fraud protection Why this misconception exists CTV is sometimes lumped in with the broader digital ecosystem, where concerns around fraud, brand safety, and opaque buying paths are more common. Some advertisers worry they’re not getting what they paid for—or worse, that their ads could appear next to low-quality content. What's actually happening CTV has a much stronger foundation for brand safety and ad fraud than many marketers realize. The most effective way to minimize risk is to work directly with premium publishers and their primary technology platforms — not through long, complex chains of intermediaries that can open the door to fraud and low-quality placements. Platforms like FreeWheel provide direct access to premium CTV inventory across major broadcast and cable brands, helping marketers consolidate spend and significantly reduce exposure to risk. Working with primary supply partners ensures ads run alongside trusted, high-quality programming, not questionable or low-value content. By prioritizing direct paths to premium publishers, advertisers can take greater control over where their campaigns appear, achieving better transparency, higher quality, and stronger outcomes. "Advertisers can reach a broad collection of premium CTV inventory directly through FreeWheel. This not only greatly reduces a marketer’s risk, but it also provides certainty that they’re getting what they paid for in terms of quality content to appear alongside their brands.” Matt Clark, VP of Strategic Partnerships, FreeWheel In other words, cutting corners often increases risk—while consolidation and direct access to premium supply creates a cleaner, safer media buy. How Experian and FreeWheel match quality content with quality targeting Industry standards like OpenRTB 2.6 are evolving to give advertisers more control over where and how their ads appear. At the same time, Experian is helping advertisers maximize that control through our integration with FreeWheel. Advertisers can access Experian’s syndicated audiences directly within FreeWheel’s sell and buy-side programmatic advertising platforms. This gives advertisers the ability to create and activate campaigns across linear, digital, and advanced TV. Backed by a deep understanding of people in the offline and digital worlds, Experian’s data is ranked #1 in accuracy by Truthset, giving advertisers confidence that they are reaching the right people. Television audiences you can reach include cord-cutters and consumers who subscribe to free and paid ad-supported streaming TV services. 3. CTV audiences are too fragmented to manage effectively Why this misconception exists With so many streaming platforms and devices in play, US households subscribe to 4 paid video streaming services on average, it can feel nearly impossible to manage reach and frequency without overspending or annoying your audience. What's actually happening Advertisers don’t need to choose between scale and precision anymore. With the right audience and identity strategy, it’s possible to connect the dots across screens and unify fragmented viewing behaviors. “We activate first- and third-party data across CTV, linear, and video-on-demand in a consistent way—making sure campaigns reach real households, not just devices. We also track unduplicated reach and frequency across platforms, so advertisers can understand what’s actually working. Together with Experian, we can measure whether those impressions moved the needle and guide media planning with full-funnel attribution insights."Anastasia Dukes-Asuen, Sr. Director of Advanced TV Data & Insights, Ampersand Experian Audiences are built on our household-level identity graph, giving advertisers a powerful tool to manage reach and frequency across screens. How Ampersand works with Experian Ampersand utilizes Experian Marketing Data to enhance audience-based media planning, activation, and optimization across linear and addressable TV platforms. By combining Experian Audiences with a footprint of 64 million data-enabled homes, Ampersand helps advertisers find the most valuable networks and dayparts to reach their intended viewers. Through its Addressable Simulator tool, powered by Experian data, Ampersand models different budget scenarios to show how reallocating spend into addressable TV can extend reach and improve efficiency. Using Experian-powered targeting has delivered real-world results, like helping a national cruise brand achieve a 14% lift in incremental reach, a 3.1x increase in frequency, and a 24% lower effective CPM. 4. CTV is only for younger, tech-savvy audiences Why this misconception exists Streaming was originally associated with younger viewers, leading advertisers to believe CTV wasn’t an effective way to reach older demographics. That impression stuck, but it’s no longer true. What's actually happening Smart TVs are everywhere, and CTV has gone mainstream. Across generations, households are tuning in to ad-supported streaming services in record numbers—and they’re doing it on the biggest screens in their homes. What ARF data shows New research from the Advertising Research Foundation (ARF) backs this up. According to the 2024 DASH TV Universe Study: 77% of U.S. households own at least one Smart TV 82% receive at least one ad-supported streaming service 62% of households receive at least one ad-supported subscription streaming service (AVOD) like Netflix or Max with ads “The audience with the highest Smart TV and ad-supported CTV adoption? Millennials and Gen Xers—Americans in their prime parenting years. Even Boomers have embraced CTV: 73% own a Smart TV and 72% receive at least one ad-supported CTV service.” Jim Meyer, General Manager of the Advertising Research Foundation (ARF) DASH TV Universe Study ARF and Experian gives marketers the most accurate understanding of who is watching We partnered with the ARF and its DASH universe study to create 18 TV audiences. By combining the ARF’s DASH data set with Experian Marketing Data, we developed one-of-a-kind TV audiences that reflect how viewers interact with digital devices and e-commerce accounts. We created this resource so our customers can align their marketing campaigns with media usage. These audience segments also yield insights that help marketers reach their audiences with the right messages and content. Make CTV work for you this Upfront season CTV is evolving fast, and advertisers who rely on outdated assumptions risk missing out on its full impact. If you're weighing where to place your bets this Upfront season, don’t let old myths steer you off course. CTV delivers reach, performance, and accountability—especially when powered by high-quality data. Experian helps advertisers get more from their CTV investment with household-level insights that control ad frequency and unified audience activation to maintain consistent messaging across platforms. Let’s make your CTV campaigns work smarter. Learn how Experian can help you understand your customers, reach the right audience, and measure performance. Get in touch Latest posts

Back-to-school season remains one of the biggest retail moments of the year—and 2025 is expected to follow suit. Total spending is projected to reach $84.51 billion, with K–12 shoppers alone contributing nearly $50 billion—59% of the total. E-commerce will also play a major role, accounting for 37.4% of total back-to-school sales. However, 2025 shoppers may be facing even higher costs due to the incoming tariffs with everything from laptops and lunchboxes to kids' clothing and crayons becoming more expensive. In anticipation of these rising prices, shoppers might once again start early to score deals. Last year, 55% of back-to-school and college shoppers had already started buying items in July for the upcoming school year. This early start coincided with major July promotions like Amazon Prime Day, in which U.S. shoppers spent a record $14.2 billion online, where school-related purchases surged by over 200%. Whether you’re marketing school essentials or offering services to help students succeed, it’s easy to default to the same go-to audiences. This blog post highlights overlooked back-to-school segments to help you build personalized back-to-school strategies that resonate with students, parents, and educators. You can find the complete audience segment names in the appendix. School the competition: How Experian can help you connect with 2025 shoppers With summer just around the corner, back-to-school might not be top of mind, but there’s no better time to start planning. Whether you're reaching parents, students, or educators, Experian’s syndicated audiences can help ensure your marketing messages make the honor roll by landing with the right people at the right time. Experian’s 2,400+ syndicated audiences are available directly on over 30 leading television, social, programmatic advertising platforms, and directly within Audigent for activation within 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 back-to-school attributes such as Presence of Children. Access to unique audiences through Experian’s Partner Audiences available on Experian’s data marketplace, within Audigent for activation in PMPs, and directly on platforms like DirectTV, Dish, Magnite, OpenAP, and The Trade Desk. Meet your overlooked back-to-school audiences Back-to-school shoppers aren’t one-size-fits-all. From parents prepping supply lists to students outfitting dorms, reaching the right audience is key to making the grade with your campaign. Let's go beyond the basics. Here are four back-to-school audience categories you can target with Experian: New year, new gear-ers Weeknight TV watchers Parenting personas School-season meal planners Let’s open our notebooks and break down the audience segments within each group. Whether your customers are buying backpacks, stocking the fridge, or searching for school essentials, these insights will help your campaign pass with flying colors. New year, new gear-er From teens picking out their first-day outfit to college students stocking up for dorm life, these audiences represent a wide range of priorities, needs, and spending behaviors. They’re also heavily influenced by trends, technology, and value-driven purchases. Don’t overlook these five high-potential audiences in your strategy: Big-Box Electronics Stores: High Spenders Amazon Frequent Spenders Department Store Deal Shoppers In Store Spenders Teen Apparel (Clothing): Online and In Store High Spenders Dell Computer and Apple Mac Purchaser Weeknight TV watchers Back-to-school season is also back-to-routine season. Families are gathering for more shared TV time in the evenings—especially in August and September. This makes co-viewing households a prime audience for messaging tied to school-year prep. Rethink your back-to-school approach with these five overlooked segments: Co-Watchers Co-Watchers with Children Cord Cutters: Recent Engagement Channel Preference: Streaming TV Digital Video Parenting personas Targeting by household structure helps tailor messaging to the right family dynamic—whether it’s parents with toddlers or households with college students. Four audiences you might be missing this back-to-school season: Digital Moms and Dads Sports Utility Families Colleges and Cafes Kids and Cabernet School-season meal planners Food and grocery shopping routines shift during the school season. These audiences are ideal for promotions tied to lunch prep, after-school snacks, and weeknight meals. Add these four under-the-radar audiences for back-to-school success: Online Grocery Delivery Services: High Spenders Grocery Stores: High Spenders Fast Food/QSR Frequent Spenders Fast Food/QSR Pizza Frequent Spenders Core back-to-school shoppers Of course, you’ll want to add traditional back-to-school audiences to your strategy. These audiences are highly engaged and often the decision-makers, making them ideal for marketers looking to drive purchase intent early and often. Here are four key back-to-school audiences you can target–all are available by life stage to reach PreK, elementary, middle, and high school households: Back to School Supplies Back to School Moderate Spend Back to School High Spend Back to School Apparel Make the grade with Experian this back-to-school season As marketers gear up for the back-to-school season, it’s the perfect time to sharpen your strategy and connect with back-to-school shoppers. Whether you’re building tried-and-true segments or exploring more unexpected, high-potential groups you might have not considered, Experian can help you reach the right audience. If you’re looking to create targeted segments for activation across digital and TV or gain insights to guide your campaign planning, Experian has you covered. 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. Additionally, work with Experian’s network of data providers to build audiences and send to an Audigent PMP for activation. Connect with our audience team You can activate our syndicated audiences on-the-shelf of most major platforms. For a full list of Experian’s syndicated audiences and activation destinations, download our syndicated audiences guide. Explore our other seasonal audiences that you can activate today. View now Activate back-to-school audiences today with Audigent Ready to ace your back-to-school campaigns? Audigent will build customized deals that combine premium Experian syndicated 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 a head-start on back-to-school success. Download our back-to-school audience guide now Contact us Latest posts Appendix New year, new gear-ers Retail Shoppers: Purchase Based > Shopping Behavior > Big-Box Electronics Stores: High Spenders Retail Shoppers: Purchase Based > Shopping Behavior > Big Box and Club Stores: Amazon Frequent Spenders Retail Shoppers: Purchase Based > Shopping Behavior > Department Store In Store Spenders Retail Shoppers: Purchase Based > Apparel > Teen Apparel (Clothing): Online High Spenders Retail Shoppers: Purchase Based > Apparel > Teen Apparel (Clothing): In Store High Spenders Lifestyle and Interests (Affinity) > Technology > Dell Computer Model Lifestyle and Interests (Affinity) > Technology > Apple Mac Purchaser Model Weeknight TV watchers Television (TV) > Household/Family Viewing > Co-Watchers Television (TV) > Household/Family Viewing > Co-Watchers with Children Experian > Retail Shoppers: Purchase Based > Entertainment > Streaming/Video/Audio/CTV/Cable TV: Cable/Broadcast TV: Cord Cutters: Recent TrueTouch: Communication Preference > Engagement Channel Preference > Streaming TV TrueTouch: Communication Preference > Engagement Channel Preference > Digital Video Parenting personas Lifestyle and Interests (Affinity) > Personas > Digital Moms Lifestyle and Interests (Affinity) > Personas > Digital Dads Mosaic – Personas – Lifestyle and Interests > Group D: Suburban Style > D15 – Sports Utility Families Mosaic – Personas – Lifestyle and Interests > Group O: Singles and Starters > O53 – Colleges and Cafes Mosaic – Personas – Lifestyle and Interests > Group A: Power Elite > A03 – Kids and Cabernet School-season meal planners Retail Shoppers: Purchase Based > Grocery > Online Grocery Delivery Services: High Spenders Retail Shoppers: Purchase Based > Grocery > Grocery Stores: High Spenders Retail Shoppers: Purchase Based > Food and Drink > Restaurants: Fast Food/QSR QSR Frequent Spenders Retail Shoppers: Purchase Based > Food and Drink > Restaurants > Fast Food/QSR Pizza Frequent Spenders Core back-to-school shoppers Retail Shoppers: Purchase Based > Seasonal > Back to School Moderate Spend – PreK (Early Ed – PreK) Retail Shoppers: Purchase Based > Seasonal > Back to School Moderate Spend – Elementary School Retail Shoppers: Purchase Based > Seasonal > Back to School Moderate Spend – Middle School Retail Shoppers: Purchase Based > Seasonal > Back to School Moderate Spend – High School Retail Shoppers: Purchase Based > Seasonal > Back to School High Spend – PreK (Early Ed – PreK) Retail Shoppers: Purchase Based > Seasonal > Back to School High Spend – Elementary School Retail Shoppers: Purchase Based > Seasonal > Back to School High Spend – Middle School Retail Shoppers: Purchase Based > Seasonal > Back to School High Spend – High School Retail Shoppers: Purchase Based > Seasonal > Back to School Apparel – PreK (Early Ed – PreK) Retail Shoppers: Purchase Based > Seasonal > Back to School Apparel – Elementary School Retail Shoppers: Purchase Based > Seasonal > Back to School Apparel – Middle School Retail Shoppers: Purchase Based > Seasonal > Back to School Apparel – High School Retail Shoppers: Purchase Based > Seasonal > Back to School Supplies – PreK (Early Ed – PreK) Retail Shoppers: Purchase Based > Seasonal > Back to School Supplies – Elementary School Retail Shoppers: Purchase Based > Seasonal > Back to School Supplies – Middle School Retail Shoppers: Purchase Based > Seasonal > Back to School Supplies – High School