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

For decades, television advertisers have faced a trade-off: Traditional linear TV: Delivers broad reach, utilizing the power of sight, sound, and motion on the big screen to capture more focused attention and foster immersive brand-building. However, it lacks the precise targeting modern marketers crave. Digital and addressable channels: Offer highly precise targeting and robust measurement capabilities but struggle to replicate linear TV’s unique combination of visual impact and viewer engagement on the big screen. Connected TV (CTV) bridges this gap by preserving television’s immersive, large-screen experience—where audiences are more attentive to the content—while offering the precise targeting capabilities long associated with digital and addressable channels. Yet, as the industry evolves, there’s a growing realization that lower-funnel performance marketing—which emphasizes quick wins from in-market shoppers—doesn’t fully support long-term brand growth. Leading brands have increasingly noted that relying solely on performance tactics can limit sustained demand and brand equity. Within CTV lies a powerful subset: Free ad-supported streaming TV (FAST). As consumers gravitate toward free streaming options, FAST has emerged as a key focal point for reaching immediate and future buyers. In this article, we’ll explore why focusing only on in-market shoppers risks missing the larger pool of “future-ready buyers” and how FAST platforms enable brands to engage them effectively. The challenge: Over-fixation on "in-market" shoppers One common marketing hurdle is "lower-funnel myopia"—focusing almost exclusively on in-market shoppers who are ready to buy immediately. While this can yield quick wins, it also means brands miss opportunities to improve in three critical areas: Competition and costs: By chasing the same immediate buyers, brands drive up media costs, especially as programmatic ad spending continues to climb each year. Missing out on future buyers: Most consumers aren’t looking to buy right now. In fact, only 5% of potential consumers are active ‘in-market,’ meaning the other 95% represent future-ready buyers open to purchasing soon. Over-focusing on in-market audiences overlooks people who could be primed to purchase soon. Inefficient spend on “sure bets”: Over-targeting likely buyers inflates costs for conversions you'd capture naturally. Shifting budget toward brand priming boosts incremental ROI. Expanding the funnel isn't just smart – it's necessary While many advertisers have prioritized short-term conversions, the data shows a growing imbalance—and a potential risk to long-term brand health. According to The CMO Survey (eMarketer, Nov 2024), CMOs allocated nearly 69% of their 2024 budgets to short-term brand performance, leaving just 31% for long-term brand building. If you’re only engaging consumers when they’re already in-market, you’re effectively joining the race at the final lap—and often paying a premium to do so. So where does that leave the vast majority who aren’t buying right now? That’s where future-ready buyers come in. The solution: "future-ready buyers" So, how can you broaden your reach without resorting to a “spray-and-pray” strategy? Enter category future-ready buyers—consumers who aren’t actively shopping right now but remain open to your product category. They’re not firmly opposed or “locked out” of it. For example, existing electric vehicle (EV) owners may not be in-market this very moment, but they could be ready to purchase another EV when their lease ends or a new model debuts, making them ideal future-ready buyers. Why they matter: Cultivate future demand. Engage buyers early to stay top-of-mind when they’re ready. Build a sustainable brand pipeline. Develop ongoing interest instead of repeatedly chasing immediate leads. Expand your reach. Broaden targeting beyond active shoppers for long-term growth. Use marketing data to avoid overspending on future buyers Identifying future-ready buyers is powerful—but how do you avoid wasting spend on unlikely buyers? Marketing data helps refine your targeting with real consumer insights, maximizing ROI and campaign efficiency. Precisely define your segments: Use lifestyle, demographic, and psychographic data to target consumers who are open to your product, avoiding wasted impressions on uninterested audiences. Prioritize privacy and compliance: Choose partners who prioritize data security and adhere to regulations, ensuring your campaigns stay both trustworthy and effective. FAST: The strategic channel for reaching future ready buyers FAST services, like Samsung TV Plus, have evolved into a crucial medium for advertisers eager to strike a balance between scale and precision. Here’s why: Engaged audience: Viewers access free, premium content in exchange for ads, making them receptive and attentive. Advanced targeting: FAST offers precise segmentation beyond traditional TV, helping you reach Samsung consumers both in-market and future buyers effectively on the biggest screen in the household. Positive viewer experience: Free content creates a relaxed viewing environment, increasing ad attention and recall. Samsung TV Plus and Experian Marketing Services: Scale meets precision Samsung TV Plus offers expansive reach and contextual targeting aligned to viewer interests. Experian Marketing Services complements this by identifying consumers most likely to buy, leveraging demographic, lifestyle, and intent data—helping you effectively engage future-ready buyers. Putting it into practice: A use case Scenario An electric vehicle (EV) brand, EVolution Auto, wants to reach eco-conscious consumers who aren’t shopping for a car right now but might consider one soon. They also want to track how ads influence brand consideration and sales over time. Approach Identify future-ready segmentsUsing Experian data, EVolution Auto focuses on “eco-conscious drivers”—people interested in sustainability who are likely to be open to an EV in the near future. Activate on Samsung TV PlusThe brand places targeted ads on channels with environmental or tech content. With millions of monthly users and a relaxed viewing experience, EVolution Auto’s spots get more visibility, boosting ad recall. Outcome By pairing Samsung TV Plus’s broad reach with Experian’s precise audience data, EVolution Auto achieves measurable lifts in brand consideration, website traffic, and dealership visits—effectively priming future EV buyers and driving long-term sales momentum. Building a future-proof strategy Exclusively targeting in-market consumers can limit your brand’s long-term potential. By focusing on those not currently shopping—but still open to your category—you widen your future buyer pool and keep your brand top of mind. FAST services like Samsung TV Plus, paired with Experian’s marketing data, offer a powerful way to balance scale with precision–delivering strong engagement today while priming your brand for long-term growth. By shifting your focus toward tomorrow’s buyers today, your brand doesn’t just stay relevant—it sets the stage for sustained market leadership and growth. Contact us Latest posts

As the days get longer and the weather warms up, spring’s revitalizing energy naturally leads to realignment. For marketers, it’s the perfect moment to reevaluate strategy, especially as consumer behavior changes ahead of summer and brings a renewed interest in travel, outdoor activities, and social events. Making seasonal adjustments to your marketing strategy helps you adapt to these shifting behaviors, capitalize on 2025 marketing trends, and keep your brand relevant year-round. When it comes to your marketing strategy, spring cleaning means clearing out outdated tactics, optimizing what works, and making room for smarter, more connected solutions. Take the time to ask yourself questions like: Are our audiences still relevant? Are we activating our data across the right channels? Are we collaborating with the right partners and using the right data clean room providers? If there’s room for improvement, now is the best time to audit, refine, and refresh your marketing strategy before the high-stakes summer and winter seasons. With identity resolution, data enrichment, data clean room collaboration, and omnichannel activation through Experian, you can clean up what’s outdated and prep your strategy for summer success! Rethink your data and identity resolution strategy Your data is foundational to your strategy and is a great place to start your marketing strategy spring cleanup. If your customer information is outdated, incomplete, or fragmented across systems, every campaign built on top of it risks underperforming. Before jumping into segmentation, activation, or partnerships, assess the health of your data and identity infrastructure. This is your deep clean and an essential first step in ensuring everything else works better. With signals disappearing, buying channels proliferating, and customer journeys getting more complex, the key to maintaining addressability is investing in persistent identity, complete consumer data, and collaborative measurement strategies that can weather these changes. Here are some ways to rethink your marketing data management and identity strategies for the current environment. Set the data foundation A solid identity resolution strategy starts with high-quality, unified data. Consider a comprehensive refresh of your customer records by auditing and enhancing what you have for accuracy and depth. As you’re thinking through spring marketing ideas, it’s an ideal time to enrich your first-party data by appending missing details, removing outdated records, and ensuring you enter summer with reliable, up-to-date profiles. Data enrichment Customer data naturally degrades, and eventually, you’ll need to dust it off by supplementing consumer records with current, high-quality insights and attributes. Experian data enrichment can help you seamlessly refresh records with updated demographic and behavioral data, giving detailed insights for precise targeting and relevant campaigns. With over 5,000 attributes available, covering everything from age and income to shopping habits and media preferences, you can maintain the deepest, most up-to-date view of your consumers through every season. Offline identity resolution and append Offline identifiers — like names, physical addresses, and phone numbers — are the most persistent identity markers as they rarely change compared to digital cookies and device IDs. They’re essential for a stable identity foundation, and you can use them to develop a consistent, unified view of each household and individual. Use this season to audit and tidy up your offline records. Are key identifiers missing? Are you relying on outdated addresses or duplicate names? Experian’s Offline Graph serves as the foundation to help unify those fragmented pieces, resolving identities across households and individuals to create a clean, consistent view of every customer. Think of this step as scrubbing baseboards or cleaning behind the fridge. It’s often overlooked but a prerequisite to a thorough spring refresh. You can also use Offline Identity Append to append missing identifiers to improve match rates, boost data accuracy, and ensure addressability so that when summer campaigns launch, you’re ready to confidently meet your audience where they are. Digital resolution via Digital Graph This next step is like replacing your air filter each spring. You won’t see it, but you’ll definitely feel the difference in performance. Digital resolution ensures persistent, accurate targeting across devices and channels in a fragmented omnichannel environment. Experian’s Digital Graph facilitates easy consumer identification and connection across the digital ecosystem. Our graph links digital identifiers like mobile ad IDs (MAIDs), connected TV IDs, and hashed emails to consumer profiles. So, when a customer interacts on a smartphone, a smart TV, and a laptop browser, those actions can all be tied back to the same individual or household in your database. Collaborate securely in data clean rooms to close gaps Matching partner data within your own secure space, a trusted third-party clean room, or Experian’s privacy-safe environment is an essential next step in your marketing spring cleaning strategy. But what is a data clean room? A data clean room is a privacy-first way to enhance marketing data in a secure environment that allows brands and partners to match and analyze data without exposing personally identifiable information. It’s almost like organizing a shared closet. You both bring what you have, sort it safely, and leave with something more valuable without mixing up or exposing what’s personal. Secure collaboration enriches your understanding of consumers, boosts match rates, and ensures the highest data security standards. Here are key data challenges you can tackle through data collaboration—whether in a clean room or across your broader data strategy. Lack of insights or usable data Without third-party cookies, marketers run the risk of losing valuable consumer insights. Collaborating with key partners lets brands enrich their first-party data and obtain a more comprehensive view of customer behaviors for informed decision-making. Let’s say, for example, that an advertiser with sales data but no exposure data struggles to attribute sales to specific campaigns. By collaborating securely with a measurement partner who provides exposure data, the advertiser can confidently link sales to ad exposure and optimize future campaigns with an understanding of who saw their ad and made a purchase. We anticipate that data collaboration will be a key marketing trend in 2025 alongside signal loss. Low or no match rates When businesses handle matching internally, discrepancies like name variations (e.g., John Doe vs. Jonathan Doe) or mismatched identifiers (hashed emails vs. MAIDs) often result in poor match rates. Experian’s identity resolution capabilities, meticulous hygiene processes, resolution logic, and comprehensive identity graphs significantly enhance these match rates. For example, if a data provider had physical addresses and a demand-side platform (DSP) had email addresses, they couldn’t collaborate with different identifiers. Using Experian Collaboration, however, their data could be resolved with offline identity data from our graph, enabling them to share their collaboration data and improve their marketing efforts. Data security When it comes to data collaboration, protecting your proprietary and customer information is non-negotiable. That’s why Experian operates with some of the industry's strictest data security, privacy, and compliance protocols. We support identity resolution and data collaboration within the most secure environments available — data clean rooms built to prevent sensitive customer data from ever being exposed. Instead of moving or sharing your raw data, we ensure all records are anonymized before any analysis occurs. Additionally, Experian’s clean room integrations with trusted partners give clients flexibility without compromising compliance. All solutions are designed to meet GDPR, CCPA, and industry-specific data governance standards, with full audit trails and customizable access controls. Connect and activate Once your data is clean, enriched, and resolved, the next step is to activate it efficiently across the channels where your audiences spend time. This step is like putting everything back in place after a deep clean so everything is functional, easy to access, and ready to deliver results. As you get ready to put your spring marketing ideas into motion, it’s time to streamline your activation approach and make sure your customer data is working hard for you. First-Party Onboarding With Experian First-Party Onboarding, you can ship data where needed using flexible data solutions for your activation strategy. This step is like labeling and organizing your freshly cleaned marketing closet, so each audience segment is ready to deploy wherever you need it. We make it easy to: Understand your customers on a deeper level Seamlessly onboard your customer data for use across programmatic, social, and advanced TV platforms Combine your first-party data with Experian syndicated audiences for enriched targeting Deliver those audiences to any destination that accepts Experian Audiences — whether a DSP, social platform, or publisher Increase match rates, extend reach, and lower activation costs Transact in the ecosystem with the Experian ID To aid in the activation process, Experian ID is a unified identifier that acts as a privacy-safe bridge between fragmented emails, device IDs, and addresses, helping you activate audiences across all media channels. Experian ID keeps your data protected and connected whether you send it to DSPs, social platforms, or data clean rooms. This allows for secure activation and performance tracking across the ecosystem without exposing personally identifiable information (PII). Like sealing and storing your seasonal belongings in airtight containers, Experian ID keeps your data clean, safe, and always ready for use. Use fresh audience insights to inform segmentation After deep-cleaning your data, enriching profiles, and resolving identities, you’ll want to ensure your segmentation reflects that renewed foundation. Just like clearing expired ingredients from your pantry, spring is an ideal time to toss outdated audience definitions and replace them with insights that are fresh, relevant, and ready to perform. With Experian’s modern audience tools, you can create smarter segments, power omnichannel strategies, and continue reaching high-value consumers even in cookieless environments. Our marketing data management tools make it easy to: Build detailed, personalized profiles using over 5,000+ behavioral and lifestyle marketing attributes that go far beyond basic demographics. Choose from 2,400+ pre-built syndicated segments or collaborate with Experian to create custom audiences tailored to your KPIs and campaign goals. Append fresh attributes to your CRM to keep profiles accurate, performance-ready, and reflective of current consumer behaviors and life stages. Together, these tools help sharpen your segmentation strategy and ensure up-to-date audience insights power every campaign. Let’s break down how smart combinations and contextual precision can further elevate your segmentation. Combine our identity graphs and Marketing Attributes for sharper targeting Combining Experian’s identity graphs with Marketing Attributes gives you both the who and the why behind your audience and helps you act on that insight with precision. It’s like giving your closet a total spring refresh — not just purging what doesn’t fit but also organizing what’s left into ready-to-wear outfits. Digital Graph + Marketing Attributes: Link real-time digital behavior (like CTV, mobile, or web activity) with rich consumer insights to create segments that perform across channels, from mobile to CTV to social. Offline Graph + Marketing Attributes: Tie persistent offline identifiers like name and address to behavioral and lifestyle data, making it easier to plan full-funnel strategies from direct mail to digital display. This approach gives you the clarity and flexibility to build richer personas, reach more qualified audiences, and target with confidence across any environment. Activate smarter with Contextually-Indexed Audiences Spring cleaning your strategy also means letting go of legacy tools, especially those relying on cookies or outdated tracking methods. With Experian’s Contextually-Indexed Audiences, you can reach consumers based on the content they’re engaging with, not their identifiers. We map millions of websites to real audience segments so you can target high-intent consumers in a privacy-safe, way. For example, an automotive brand looking to reach high-intent luxury EV shoppers can activate Experian’s “in-market for a luxury electric car” segment. With contextually-indexed targeting, that brand’s ads will appear on websites that over-index for visitors in that audience — such as premium car review sites or sustainability-focused blogs — without relying on user identifiers. This allows the brand to scale performance safely and efficiently in cookieless environments while achieving strong engagement metrics. Activate across channels with confidence After refreshing your data, segmentation, and partner strategies, the final step in your spring cleaning is putting all that prep work into action — efficiently and at scale. Think of this as your final sweep: optimizing where and how you activate your audience to ensure every touchpoint is aligned, accurate, and impactful. With your updated segments and sharpened identity framework in place, you can reach consumers across display, mobile, connected TV (CTV), and emerging digital channels. Experian provides the tools to activate seamlessly — backed by privacy-safe, high-quality data and flexible integration options. Third-Party Onboarding: Expand reach with external data sets Experian’s Third-Party Onboarding capabilities make it easy for brands to augment their first-party data strategies on their preferred activation platforms with easy access to high-quality, activation-ready third-party audiences. For you, this means you no longer have to manage the onboarding process yourself or worry about compatibility. Instead, you can: Enhance your first-party targeting with third-party data that’s already privacy-safe and activation-ready. Reach more qualified consumers by layering in external behavioral, lifestyle, or intent signals. Maximize scale across your preferred platforms using Experian’s established integrations and ecosystem support. With Experian as your trusted partner, your audience strategy becomes more flexible, more scalable, and more effective, giving you the power to engage the right consumers beyond your own CRM. Start preparing now for summer campaigns You’ve cleared out the clutter, restocked your toolkit, and optimized your data strategy, and now, you’re ready to get ahead of the summer rush. While summer is go-time for high-impact marketing campaigns, now is the time to clean, organize, and prepare. Another reason to start now? Tariffs, inflationary pressures, and changing consumer confidence are already impacting product demand, budget planning, and go-to-market strategies for the rest of the year. Brands need to be ready and agile in the face of economic turbulence. So, think of this as your final recap checklist before the season (and the economy) changes: a set of intentional steps that ensure all your prep work translates into real performance when it counts. Start now to: Cleanse and enrich your data: Make sure outdated records don’t weigh down your summer outreach. Refresh profiles with Experian’s latest attributes to stay aligned with consumer behavior. Solidify your identity resolution strategy: Transition to persistent, privacy-safe identifiers like Experian’s unified ID to maintain addressability across devices and channels. Collaborate with key partners: Run pilot campaigns with trusted collaborators to augment your data and maximize scale ahead of peak season. Refresh audience segments: Update personas and segments based on the latest data insights. Trial omnichannel strategies: Use spring to test messaging across display, CTV, social, and mobile so your summer creative hits with precision. Confirm measurement readiness: Double-check attribution and analytics tools so you can optimize in real time and prove ROI. Tailor creative to the season: From backyard barbecues to road trips, ensure your messaging taps into the themes and activities consumers care about most this summer. Spring is the warm-up. Summer is the performance. Start today to improve your marketing data management and overall strategy, and you’ll be ready to hit the ground running. Let’s plan your seasonal strategy together Whether you’re looking for more spring marketing ideas or want to launch a high-impact summer campaign, Experian is ready to help. From strategy to segmentation and data clean rooms to real-time activation, we partner with you to build a marketing engine that performs now and keeps growing through the seasons. Connect with us today, and let’s turn your seasonal refresh into long-term momentum Latest posts

Retail media networks (RMNs) are on the brink of a major shift. While they are poised to capture over 20% of ad spend in 2025, on-site monetization won't be the growth driver it once was. With advertisers consolidating spend among just six or seven RMNs on average, including giants like Amazon and Walmart, it’s hard for smaller RMNs to compete. Off-site retail media ad spend is projected to grow 42.1% in 2025 – nearly three times the rate of on-site growth (15.1%), according to eMarketer's November 2024 forecast. This dramatic shift underscores that while on-site placements are maturing, off-site is where the momentum (and money) is heading. To remain competitive, RMNs must move beyond traditional, on-site placements and embrace a broader, more integrated approach to media activation. The future of retail media is about utilizing enriched first-party data to drive performance across the open web, connected TV (CTV), and other digital channels. Break free from your owned and operated properties Historically, RMNs have limited ad placements to their own digital properties. While this approach has delivered high-margin returns – on-site ad margins can reach 70-90%, compared to 20-40% for off-site – it’s also inherently limiting. Retailers only have so much owned inventory to sell, and advertisers demand greater scale and flexibility. As brands push for more reach, RMNs must extend their impact beyond owned-and-operated (O&O) properties. Omnichannel retail media ad spending is forecast to hit $61.2 billion in 2025. Brands are looking beyond retail sites to build integrated, multi-channel strategies that drive results across the funnel.eMarketer Off-site doesn’t just mean digital. Walmart’s recent expansion of its Fuel and Convenience stations – planning to open or remodel 45 in 2025, bringing the total to 450 – shows how physical spaces are also becoming extensions of a retailer’s media network. These locations create new touchpoints where advertisers can engage shoppers with timely, context-aware messaging while they fuel up or grab a snack. These quick-stop environments are ideal for limited-time offers or impulse-triggering messages – especially since 68% of U.S. adults say discounts contribute to their latest in-store impulse purchase. Maximize the value of first-party data One of retail media’s biggest promises is the power of first-party data for precision targeting. While on-site ads are inherently lower-funnel, off-site activation allows advertisers to move up the funnel and apply retailer customer data holistically across the open web. For example, DoorDash and Macy’s now offer self-service audience data to advertisers via The Trade Desk, allowing brands to target consumers programmatically. Meanwhile, Walmart is taking a different approach – cloning The Trade Desk’s technology to maintain its walled garden. These moves demonstrate how retailers are rethinking data monetization strategies to scale beyond O&O limitations. Drive new revenue streams with off-site activation Off-site activation enables RMNs to drive incremental reach on channels where audiences are actively engaging, including CTV, programmatic display, and social media. This expansion allows brands to connect with consumers beyond retail websites. Retailers are also utilizing non-endemic advertising opportunities in environments like gas stations and kiosks. Unlike traditional grocery or apparel aisles, these spaces are brand-neutral, allowing advertisers who don’t sell products in-store to still activate campaigns using retailer data. In fact, 53% of brands have already partnered with a retailer that doesn’t carry their product, and that number is expected to grow as advertisers seek new ways to tap into retail media’s rich targeting capabilities. Retailers looking to extend the value of their data beyond O&O inventory have two primary off-site opportunities: First, they can use an identity graph to resolve customer identifiers into addressable IDs that can be enriched with additional attributes and activated across channels like the open web and CTV. This allows retailers to find and reach known customers with relevant messaging outside of their owned platforms. For example, a grocery RMN can identify lapsed snack buyers and deliver streaming TV ads that reengage them on CTV platforms. CTV retail media ad spending alone is expected to grow 43.1% this year, reaching $4.86 billion, highlighting the appetite for video-based upper-funnel strategies. Second, RMNs can broaden reach by activating first-party audiences, syndicated segments, or custom-built audiences through onboarding capabilities. These audiences can be sent to a variety of programmatic and CTV destinations, enabling advertisers to engage shoppers in high-impact environments. For example, a home improvement retailer can send its audience segments to programmatic ad exchanges, ensuring DIY shoppers see relevant offers even while browsing unrelated sites. Together, these approaches allow retailers to monetize their data more effectively while giving brands the ability to reach consumers in moments that matter beyond just retail websites and apps. Scale and measure success with data partnerships For smaller RMNs to compete with larger players, they need more than just inventory – they need the ability to scale campaigns and prove performance. Data partnerships play a critical role in both expansion and measurement. Measurement remains one of the biggest challenges for RMNs moving off-site. On-site retail media offers closed-loop attribution, but off-site activations introduce complexity. Retailers can work with an identity resolution partner like Experian to connect ad exposures to actual retail outcomes, such as store visits or purchases, across digital and physical environments. Whether it's through pixels placed on campaign ads or TV impression logs, these connections help RMNs demonstrate real impact. This approach helps unify disparate data – such as a CTV ad exposure and a subsequent online or in-store purchase – into a clear, measurable outcome. These insights not only show what’s working, but help RMNs optimize future campaigns and provide advertisers with transparent, third-party-validated reporting. As retailers like Walmart integrate loyalty programs like Walmart+ into their physical extensions, they gain valuable behavioral insights into how customers shop across formats – from fueling up to filling carts. These data signals help refine identity graphs and improve measurement across increasingly hybrid consumer journeys. Beyond ads: The data monetization opportunity Smaller RMNs may struggle to scale ad-supported revenue, but there’s another path forward: Data-as-a-Service (DaaS). Providing anonymized, privacy-compliant audience insights to brands offers a high-margin, scalable revenue stream. In fact, some retailers are already embracing this model by licensing their data to programmatic platforms. A playbook for smaller RMNs to win off-site The future of retail media belongs to those who harness data to influence consumer behavior across all digital marketing channels. To succeed, RMNs should focus on: Moving beyond owned inventory: Activate first-party data across CTV, social, and programmatic channels to meet advertisers where their audiences are. Expanding reach through partnerships: Collaborate with identity resolution providers to maximize match rates and campaign effectiveness. Building a full-funnel offering: Position off-site retail media as a brand-building play, tapping into ad budgets that traditionally fund upper-funnel campaigns. Monetizing data, not just ads: Explore DaaS models to generate passive revenue. The time to move off-site is now Retailers that wait too long to embrace off-site activation risk falling behind. Those that expand beyond their owned inventory, invest in off-site data strategies, and build strategic partnerships will be the ones that shape the future of retail media. Experian isn’t just part of the RMN conversation. We’re driving it. Let’s talk. Connect with our team Latest posts