Loading...

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

Published: January 7, 2026 by Experian Marketing Services

At A Glance

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


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

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

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

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

Generational approach

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

How do financial behaviors differ across generations?

Generational digital behaviors

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

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

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

Generational workforce and retirement dynamics

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

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

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

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

Turn generational insights into action with Experian Audiences

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

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

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

How can marketers activate generational insights with Experian Audiences?

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

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

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

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

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

You can find the full taxonomy paths in the appendix.

‘Generation Z’ with two coin icons

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

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

Here are seven recommended audiences to target Gen Z:

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

How to use these audiences

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

‘Millennials’ with upward arrow icons

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

Behavior/metricMillennial
Prefer digital or contactless payments~85%

Here are ten audiences to target Millennials:

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

How to use these audiences

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

'Generation X’ with a stack of money icon

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

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

Here are ten audiences to target Gen X:

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

How to use these audiences

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

‘Baby boomers’ with a shield icon

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

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

Here are eight audiences to target Boomers:

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

How to use these audiences

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

Seasonal approach

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

Tax season

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

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

How to use these audiences

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

Home buying season

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

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

How to use these audiences

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

Back-to-school

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

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

How to use these audiences

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

Year-end planning (October-December)

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

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

How to use these audiences

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

What sets Experian Audiences apart?

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

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

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

Where can you activate Experian Audiences?

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

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

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

Activate Experian Audiences today with Audigent

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

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

Make every consumer part of your financial strategy

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

Reach out to us today

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


FAQs

What are Experian Audiences?

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

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

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

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

How can financial marketers use Experian Audiences effectively?

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

Are Experian Audiences compliant with financial marketing regulations?


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

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

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

Where can you activate Experian Audiences?

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

Can I combine Experian data with my own?

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


Footnote

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

Appendix

Generation Z

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

Millennials

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

Generation X

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

Baby boomers

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

Tax season

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

Home buying season

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

Back to school

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

Year-end planning

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

Latest posts

Loading…
Why context is key to making AI successful in marketing

Personalization without context misses the moment Marketers have spent years perfecting personalization — but personalization alone often misses the mark. We’ve all seen it. You shop for a weekend getaway, then get served travel ads weeks later when you’re already home. The data was right. The timing wasn’t. Personalization based only on identity and behavior knows who you are but not when or why you’re ready to act. At Experian, we believe AI should make marketing feel more human. That means understanding people in context, recognizing their environment, mindset, and the moment, to create relevance that feels timely, not intrusive. The context gap: Why identity and behavior aren’t enough Identity and behavioral data can reveal the kind of consumer someone is and the kind of products they may want to buy. But they don’t explain what’s happening right now. The missing layer is context: the dynamic, real-time signal that shows why this moment matters. Context bridges the gap between knowing something about a consumer and understanding their intent. In an era of fragmented signals and stricter privacy rules, context is one of the most reliable ways to stay relevant without over-reliance on personal identifiers. It helps marketers adapt to shifting needs while keeping privacy intact. How Experian interprets context in real-time By context, we mean all the subtle, in-the-moment signals, like time of day, location, or what someone’s watching, that shape what people care about in real-time. At Experian, our technology interprets these in real-time: Temporal signals Time-based patterns such as daypart (morning vs. evening), recency (how fresh a signal is), seasonality (holidays, life events), and micro-moments (split-second intent-driven actions). Environmental signals The media or content environment; what type of program, article, or channel someone is engaging with when they see your ad. Situational intent Signals like browsing behavior or purchase patterns that hint at a person’s stage in the buying journey, from early research to final decision. By layering these signals over verified identity and behavioral data, Experian’s AI-powered technology helps marketers predict not just who will act, but when they’re ready to act. Experian’s approach: Turning context into relevance Consumer behavior changes by the minute, and marketers need to adapt just as quickly. Our technology interprets live bidstream data, device activity, content, and timing to optimize in the moment, ensuring your campaigns deliver meaningful relevance, not just broader reach. Our process combines: Input Clean, accurate identity and audience data anchored in our privacy-first framework. Enrichment Our models fuse household, device, and publisher context to reveal moment-based intent. Activation We're investing in agentic workflows that help marketers plan and execute performance campaigns at scale, activated via our real-time technology that dynamically adjusts deals and surfaces contextually aligned opportunities. Governance Every signal and recommendation follows Experian’s principles of transparency, consent, and ethical oversight. We call this AI-powered simplicity tools that help marketers work more efficiently, with intelligence that feels intuitive and human-centered. How context changes the game for marketers AI without real-time context can only react based on what it already knows. AI-powered by in-the-moment contextual data points enables marketers to anticipate, not just react. A travel brand can shift creative from “dreaming” to “booking” mode when AI detects signals of active planning. A retailer can align promotions with trending content or regional weather shifts in real time. A CPG brand can trigger different product messages based on the context of recipes or household occasions. Adjustments based on contextual signals compound into meaningful gains — higher engagement, better efficiency, and a consumer experience that feels natural rather than intrusive. Context makes AI more human Context introduces empathy into automation. It’s what keeps AI from overstepping, ensuring the message fits the moment. When marketers respect timing, environment, and intent, ads feel like service, not surveillance. Context transforms relevance into respect. At Experian, our vision is to make every signal serve people, not profiles. Because the more our technology (including our AI tools and capabilities) understands context, the more human marketing becomes. At Experian, responsible intelligence is built in Every contextual model we deploy adheres to our standards for transparent and responsible innovation. We validate inputs, monitor model drift, and ensure no context-based variable introduces bias or privacy risk. This is what responsible automation looks like in practice: intelligent, explainable, and ethical. From who to when: Context is the future of AI-driven marketing Identity tells us who someone is. Context tells us when it matters. The next wave of AI-driven marketing will unite privacy-first identity with contextual intelligence to deliver real-time relevance, responsibly. At Experian, we’re building that future now. Our AI-driven capabilities bring identity, insight, and generative intelligence together so brands, agencies, and platforms can reach the right people, at the right moment, with relevance and respect. Get started now About the author Matthew Griffiths SVP of Technology, Audigent, a part of Experian Matthew Griffiths is a seasoned technology entrepreneur and a driving force in advertising technology, data technology, and AI. As the Co-Founder and former CTO (now SVP of Technology) at Audigent, a part of Experian, he plays a pivotal role in shaping the company’s cutting-edge solutions for data activation, curation, and identity management. With years of executive experience across the U.S., Africa, and the U.K., Matthew has a proven track record of leadership in steering the adoption and use of cutting-edge technologies to drive business outcomes. His expertise spans from collaborating with top global corporations and governments to spearheading award-winning technology projects that deliver life-changing impacts in some of the world's most underserved communities. Matthew’s dynamic approach to solving complex business and technology challenges makes him a visionary leader in the AdTech space, consistently driving innovation and performance through technology. FAQs How does context make AI-driven marketing more effective? Context makes AI-driven marketing more effective because it helps marketers understand people in context, recognizing their environment, mindset, and the moment, to create relevance that feels timely, not intrusive. Context helps marketers understand not just who a person is, but when and why they’re ready to act. Experian’s AI-powered technology layers contextual signals over verified identity data to deliver relevance that feels intuitive, not invasive. This approach connects recognition with understanding, making every campaign more effective and more human. What is the context gap in AI-driven marketing? Identity and behavioral data can reveal the kind of consumer someone is and the kind of products they may want to buy. But they don’t explain what’s happening right now. That’s the context gap—the missing link between knowing something about a consumer and understanding their intent.  Context closes this gap by analyzing environmental, temporal, and situational signals that reveal intent—without using invasive identifiers. Does Experian interpret contextual signals in real-time? Yes, at Experian, our technology interprets contextual signals, including temporal, environmental, and situational, in real-time. By layering these signals over Experian’s verified identity and behavioral data graph, marketers can predict when consumers are most receptive, turning data into real-time opportunity. What does responsible intelligence look like in practice? At Experian, every contextual model we deploy adheres to our standards for transparent and responsible innovation. We validate inputs, monitor model drift, and ensure no context-based variable introduces bias or privacy risk. What does Experian’s foundation in responsible automation look like? – Privacy-first clarity: We unify household, individual, device, demographic, behavioral, publisher first-party signals, and contextual data points to build a reliable view of consumers, even when certain signals are missing. This clarity helps marketers personalize, target, activate, and measure with confidence.- Predictive insight: Our models go beyond describing the past. They forecast behaviors, fill gaps with inferred attributes, create lookalikes, and recommend next-best audiences so clients can anticipate opportunity.- AI-powered simplicity: We’re investing in generative AI and exploring emerging agentic workflows to reimagine how marketers work. Our vision is to move beyond basic audience recommendations toward intelligent audience discovery and automated setup, helping teams uncover opportunities they may not have considered, while spending less time on manual work and more time on strategy and outcomes.- Real-time intelligence: Consumer journeys never stand still. Our AI-powered technology interprets live bidstream data, device activity, content, and timing to optimize in the moment, ensuring campaigns deliver meaningful relevance, not just broader reach.- Transparent and responsible innovation: We drive safe, modular experimentation, from generative applications to agentic workflows, always balancing bold ideas with ethical guardrails. We stay at the forefront of evolving legislation and regulation, ensuring our innovations protect consumers, brands, and the broader ecosystem while moving the industry forward responsibly. Latest posts

Nov 24,2025 by Matthew Griffiths, SVP of Technology, Audigent, a part of Experian

Data onboarding for marketers: First-party vs. third-party in the era of CMNs

In the past, first-party onboarding focused on activating a brand’s own customer data, while third-party onboarding allowed advertisers to tap into external audiences. But the rise of commerce media networks (CMNs) — which now influence over 14% of all digital ad spend — has blurred those once-clear lines. CMNs, retail media ecosystems, and brand partnerships are reshaping how data is shared, accessed, and activated. Today, the question isn’t just who owns the data but why it’s being used. Whether to strengthen customer relationships or create new revenue opportunities, intent now shapes how data must be governed, shared, and measured. ​​For brands with strong first-party data, this shift creates opportunities to deliver more personalized, privacy-safe campaigns to their own audiences and to extend that data’s value by enabling partners to reach new segments. In this connected ecosystem, data onboarding enables brands to activate, scale, and monetize their data responsibly, turning first-party insights into privacy-led growth opportunities. Trusted onboarding partners like Experian can help marketers activate first-party audiences with accuracy while scaling and connecting those audiences across the ecosystem for compliant, revenue-generating collaboration. What is data onboarding? Data onboarding moves offline consumer data — like CRM records, loyalty details, or transaction histories — into digital environments for activation and measurement. It connects real-world insight with digital engagement across display, social, search, connected TV (CTV), and commerce media. Data onboarding is now a strategic pillar for marketers managing signal loss, disconnected data, and rising privacy expectations. The approach you take and who owns the data determine what kind of onboarding it is: First-party onboarding: A brand activates its own customer data across digital platforms. Third-party onboarding: A brand enables others to use its data, often monetizing it — common in CMNs or commerce media ecosystems. Experian helps marketers succeed in both models. With AI-driven identity resolution, persistent identifiers, and privacy-first infrastructure, we make onboarding accurate, compliant, and scalable, regardless of who owns the data. Why do marketers need data onboarding? Even the most data-rich brands often have a limited view and reach when it comes to their audiences. They’re confined to the data they collect directly and to the owned channels they use to engage those people. Customer files may reveal who’s already in the ecosystem, but not always where those people spend time, how they behave across channels, or why they make certain decisions. Onboarding bridges that gap. It transforms offline data into digital activation power, allowing marketers to connect insight with action. Experian makes this possible at scale with trusted identity resolution, data ranked #1 in accuracy by Truthset, audience modeling expertise, and seamless data integration across platforms, helping marketers activate confidently and compliantly. With Experian’s onboarding solutions, marketers can achieve: Unified customer identity across devices, channels, and touchpoints. Cross-channel personalization with consistent, relevant messaging wherever customers engage. Scaled, privacy-compliant reach beyond owned channels without sacrificing control or consent. Better insights and audience creation by blending first-party and Experian Marketing Data for a deeper understanding. Cross-channel activation with deep integrations into the advertising ecosystem. Core steps in the onboarding process While onboarding can vary across use cases, the core process remains consistent. Experian’s AI-enhanced identity infrastructure streamlines every stage of data migration and activation, making each step safer and faster: Data ingestion: Transfer the data into the onboarding environment using privacy-safe encryption and consented parameters to protect sensitive information responsibly from the start. Transformation: Cleanse, standardize, and format records to align with digital identifiers. This eliminates inconsistencies and makes every record easier to recognize and activate later. Identity resolution: Link offline identifiers (names, emails, addresses) to hashed digital equivalents like mobile advertising IDs (MAIDs), CTV IDs, and universal IDs via Experian’s Offline and Digital Graphs. Identity resolution connects customers to their digital presence without exposing personal information. Identity matching: Match hashed emails, MAIDs, and device-graph identifiers to activation partners for each audience across demand-side platforms (DSPs), social, and CTV platforms. This expands your audience reach while maintaining accuracy and privacy. Activation: Deliver privacy-safe audiences to DSPs, social, search, or CMN shelves from third-party data providers (not the CMN’s own data) — or directly to an advertiser’s seat for immediate activation. You’ll turn insights into action and be able to reach the right people with relevant, compliant messaging. Behind this flow is Experian’s identity graph, which links 250 million U.S. individuals, 900 million hashed emails, and 4.2 billion digital identifiers refreshed weekly. It’s the foundation that keeps onboarding accurate as the signal landscape shifts. First-party vs. third-party onboarding Every digital marketing data point has a story, but whose story it tells depends on who’s using it. That distinction defines the difference between first-party and third-party onboarding. Both are essential to modern marketing, but they carry different expectations for control, consent, and accountability. First-party onboarding: Activate your own data safely and strategically First-party onboarding starts with the data a brand earns directly from its own customers through trusted relationships. This data belongs to the brand, as customers have given consent, and the brand has the responsibility (and opportunity) to use it well. That data might include: CRM records Loyalty-program data Purchase or transaction histories Website or app interactions Email subscribers or reward members How first-party onboarding works in practice The onboarding process connects this offline data to digital identity so marketers can reach their existing customers across channels. For example, a credit card company might take its CRM file of cardholders, hash the email addresses, and upload that file to a DSP via Experian’s Audience Engine. Experian’s identity graph resolves those emails to privacy-safe digital identifiers like MAIDs, CTV IDs, or universal IDs. The result is a ready-to-activate audience that can be reached on CTV, social, and display without exposing raw personally identifiable information (PII). Why control matters in first-party onboarding The advantage of first-party onboarding is control; the brand decides what to share and how to use it. It’s a powerful way to: Personalize messages for known customers Re-engage lapsed buyers or loyalty members Suppress existing customers from prospecting campaigns Measure performance with closed-loop attribution Doing first-party onboarding responsibly That control comes with responsibility. Even consented customer data that has been consented to can pose risks if handled carelessly or shared with unverified partners. Experian’s First-Party Onboarding sits on a privacy-first identity foundation, governed by decades of compliance leadership under laws like the Gramm-Leach-Bliley Act (GLBA) and Fair Credit Reporting Act (FCRA). We connect data and identity responsibly, so marketers can activate with confidence while protecting consumers. Why first-party onboarding matters First-party onboarding is the cornerstone of responsible marketing. It allows brands to deepen relationships they already have, using data that customers have freely shared. And with Experian’s secure First-Party Onboarding, that data stays encrypted, compliant, and under the brand’s control from start to finish. Third-party onboarding: Share and monetize data responsibly Third-party onboarding begins when a brand allows someone else to use its data. It’s how data providers, publishers, and especially CMNs monetize their audiences — turning first-party customer insights into addressable, privacy-safe segments that advertisers can buy and activate across digital channels. How third-party onboarding works in practice Think of it as data collaboration at scale. Let’s say a retailer collects first-party shopper data like product purchases, loyalty card usage, and store visits. Then, they partner with Experian to make that audience available to outside advertisers, such as a consumer packaged goods (CPG) brand. Through Experian Third-Party Onboarding, those audiences are resolved, privacy-protected, and distributed to integrated destinations such as The Trade Desk, Magnite, or NBCUniversal for activation. To the retailer, it’s their first-party data. To the CPG, it’s third-party data they can use for targeted campaigns. To Experian, it’s an opportunity to ensure the entire exchange is accurate and compliant. Why scale matters in third-party onboarding The benefit of third-party onboarding is scale. It enables data owners to monetize their insights, while giving advertisers access to richer audiences they couldn’t build on their own. It’s the engine behind CMNs, commerce media, and the growing data-sharing economy. With a partner like Experian, that scale becomes even more powerful. Our advanced modeling and identity solutions help brands expand their audiences responsibly using lookalike and predictive modeling to identify high-value segments, increase reach, and maximize performance across every activation channel. The responsibilities of data sharing in third-party onboarding As data ecosystems grow, so does the opportunity to collaborate responsibly. Once data leaves its original owner’s ecosystem: Consent obligations become more complex. Control over downstream usage can blur. Regulatory oversight increases, especially around transparency and consumer rights. With the right governance in place, these responsibilities can help strengthen partnerships, protect consumers, and create a foundation for sustainable growth. Experian’s ethical enablement role in third-party onboarding Experian’s enablement role is both technical and ethical. Our deep expertise enables us to partner with brands and support their monetization efforts, helping them derive new value from their data while maintaining the highest standards of privacy and compliance. Meanwhile, our infrastructure ensures third-party data onboarding happens securely and transparently: Identity resolution expands reach without overexposing identifiers. Data verification and governance ensure partners meet strict privacy standards. Revenue-share structures maintain fairness without hidden costs. Cross-channel integrations enable you to onboard your data once and activate it everywhere (programmatic, CTV, or social) through Experian’s 30+ direct and 200+ indirect destination partnerships. Why third-party onboarding matters Third-party onboarding is the foundation of modern data collaboration. When done through Experian, it becomes a trusted extension of your brand’s identity governed by the same privacy, consent, and accuracy standards that strengthen your first-party ecosystem. We help brands uncover new opportunities for growth, partnership, and responsible innovation. When first-party onboarding turns into third-party onboarding When data ownership shifts, privacy expectations change, and the rules of onboarding start to look a little different. This stage can feel complex, but with the right approach, the crossover becomes clear. It’s a natural evolution that helps brands connect data more effectively and collaborate confidently. Here’s what that can look like in practice. A retailer uses its own first-party data to engage loyal shoppers through its website, app, or email program. The data is secure, consented, and fully under the retailer’s control. Then comes collaboration. The retailer decides to partner with a brand, like a CPG company, to reach those same shoppers across connected TV or the open web. In that moment, the retailer’s first-party data becomes the CPG’s third-party data. Ownership doesn’t really change, but accountability does, along with new privacy and compliance considerations. This “crossover moment,” when first-party onboarding turns into third-party activation, is a small shift with big potential that can lead to new reach, deepen collaboration, and strengthen customer connections across the marketing ecosystem when managed responsibly. Why clarity matters in the crossover between first- and third-party onboarding When data starts flowing beyond owned channels, questions naturally come up. Marketers want to know things like: Who “owns” the audience once it’s shared with a partner or DSP? Whose privacy notice applies — the retailer’s, the brand’s, or both? How do we keep match accuracy without overexposing PII? Who’s responsible for opt-outs and suppression compliance downstream? These are the right questions to be asking, and they’re signs of a mature, data-driven strategy. Asking them is what helps brands strengthen governance, build trust, and get more value from collaboration. With the right framework in place, what could feel complicated becomes clear, opening the door to more confident growth across CMNs and other shared-data environments. How Experian brings clarity and control to the first- and third-party onboarding crossover As a neutral, privacy-first partner, we provide the infrastructure that keeps data secure, compliant, and meaningful wherever it flows. Our onboarding solutions help both sides of the partnership — retailers and advertisers — maintain trust through: Clear ownership and consent management: Experian enforces data-handling rules that preserve each party’s control. Every record is matched and activated in accordance with strict consent parameters and Global Data Principles that exceed industry standards. Accurate, privacy-safe identity resolution: Our Offline and Digital Graphs connect people to their devices, households, and behaviors using hashed identifiers, ensuring match precision while protecting individuals. AI-powered contextual intelligence: Experian’s AI models analyze real-world behavior and contextual signals to enhance match quality and extend reach without reliance on cookies. For CMNs, that means better off-site activation, targeting the right shoppers in the right environments while maintaining compliance. Trusted integrations and transparent reporting: With direct integrations into 30+ programmatic and TV destinations, Experian delivers consistent match rates and unified measurement through solutions like Activity Feed and Experian Outcomes. This is how Experian transforms complex data challenges into seamless, scalable collaborations that give marketers the confidence to expand responsibly into commerce media and commerce ecosystems. The new standard of responsible AI and commerce media Commerce media represents the future of audience activation, but only if the transition is managed responsibly. As the lines blur between data ownership and activation rights, Experian’s AI-driven, privacy-first identity framework acts as the connective tissue between retailers, brands, and platforms. We help CMNs: Enrich shopper data with Experian Marketing Attributes for deeper insights. Extend addressability off-site using privacy-safe identity resolution. Optimize activation through real-time, contextually aware audience expansion. Measure results transparently through privacy-compliant feedback loops. In short, we ensure that when your first-party onboarding becomes third-party activation, trust and performance stay intact. Why choose Experian's onboarding solutions? Many view onboarding as a data transfer, but we treat it as a trust process where accuracy, privacy, and performance align. Here’s why marketers choose us: 1. Unmatched data and identity foundation When brands struggle with incomplete or siloed customer data, Experian’s unified foundation connects fragmented records into a single, accurate identity. Our Offline and Digital Graphs link households, individuals, and devices with persistent accuracy. Updated weekly and built on decades of historical data, our graphs maintain 97% household coverage across the U.S., even through signal loss. 2. Privacy-first and compliance-led Given tightening regulations and growing consumer expectations, privacy compliance is essential. With decades as a regulated data steward, we apply the same rigorous controls from our financial operations to marketing data. Every data partner is verified for transparency and compliance with consent requirements, and all consumer data is governed by Experian’s Global Data Principles, which exceed industry standards. We help brands meet their privacy and consent obligations confidently while maintaining the data integrity that drives results. 3. Real-time, contextual activation Experian’s industry-leading Offline and Digital Graphs are widely adopted across the advertising ecosystem, powering identity resolution and audience activation for the world’s top marketers. Our integrations span 30+ direct and 200+ indirect activation platforms, including leading DSPs, CTV networks, and commerce environments. With real-time, AI-driven contextual intelligence, Experian enables privacy-safe targeting even in signal-limited environments through solutions like Contextually-Indexed Audiences that deliver reach without reliance on cookies or personal identifiers. 4. Platform flexibility Modern marketing requires interoperability. Experian’s onboarding framework is technically integrated across multiple platforms, offering brands and data providers the freedom to activate where they choose. Whether through self-service onboarding in Audience Engine for first-party data or managed onboarding for third-party monetization, Experian scales with your organization, providing transparent pricing, seamless delivery, and dedicated support teams to ensure every connection performs. 5. Human-centered innovation Marketing should strengthen relationships and build trust. Our AI-driven identity systems are designed to protect privacy, respect individuals, and create real human value — helping brands connect with people meaningfully. They aren’t built to collect more data but to make better use of the data you already have by connecting insights responsibly and ethically.&nbsp; Every innovation at Experian is guided by the principle of balancing personalization with compliance. Top use cases for Experian’s onboarding solutions Our onboarding solutions are transforming how brands operate across industries every day. Whether you’re deepening loyalty, expanding reach, or proving performance, Experian helps connect data responsibly to drive measurable results. Here’s where we make the biggest impact: Automotive: Connect purchase intent data with digital identifiers for more efficient targeting. Commerce media: Use both first- and third-party onboarding — first-party for on-site activation and owned marketing, third-party for off-site activation and monetization —&nbsp;all while maintaining compliance and accurate attribution. CPG: Activate shopper data through retailer partnerships to drive off-site reach and stronger brand collaboration. Data providers: Monetize audience segments across Experian’s programmatic and TV integrations. Financial services: Deliver compliant, personalized cross-channel offers with unified identity. Healthcare: Use National Provider Identifier (NPI) onboarding to reach healthcare professionals compliantly. Retail: Power loyalty personalization, partner monetization, and CMN audience activation. Across each use case, Experian’s privacy-first identity foundation turns data onboarding into a trusted driver of growth and stronger customer relationships. Navigate the new data economy with Experian Data onboarding has come a long way, mirroring the changes in marketing itself. We’ve moved from relying on third-party cookies to empowering first-party data, and now to building collaborative ecosystems like CMNs. At Experian, we’re right in the middle of that evolution. With decades of data expertise, privacy leadership, and AI-driven activation, we help marketers connect more responsibly, measure what matters, and grow with confidence. Want to see what that looks like for your brand? Let’s build safer connections together. Start connecting responsibly Data onboarding FAQs What is Experian First-Party Onboarding and Third-Party Onboarding? Experian First-Party Onboarding helps brands take the customer data they already own, like CRM lists or loyalty files, and use it safely across digital channels for targeting, personalization, and measurement. Experian Third-Party Onboarding helps retailers, publishers, and data providers share or monetize their audiences responsibly with partners through secure, privacy-first activation.Both are powered by Experian’s trusted identity foundation that keeps every connection accurate, compliant, and privacy-safe. What’s the difference between first-party and third-party data onboarding? The difference between first- and third-party onboarding is who’s using the data. First-party means a brand is activating its own customer information, while third-party means that data is being shared or used by another advertiser or partner. When does first-party onboarding become third-party onboarding? First-party onboarding becomes third-party onboarding most often in CMNs or commerce media. When a retailer monetizes its first-party shopper data for use by CPGs or advertisers, the use case shifts to third-party onboarding. Why do marketers need both first- and third-party onboarding? First-party onboarding helps brands reach and understand their existing customers, while third-party onboarding helps expand reach, enable partnerships, and monetize data responsibly. Latest posts

Nov 19,2025 by Experian Marketing Services

Why data-driven curation is a rising star in performance marketing

If you buy media today, you’re already feeling the shift: the best results don’t always come from broad, open auctions or static “safe site” lists; they’re coming from deals that combine the right data with the right inventory and let algorithms optimize in real time. That’s curation. And when it’s done right, it reduces data and media waste for buyers and raises eCPMs (effective cost per thousand impressions) and win rates for publishers.&nbsp; As part of our Cannes Content Studio series, leaders from Butler/Till, Index Exchange, OpenX, PubMatic, and Yieldmo discuss how curation cuts waste and lifts results. What is real curation? Real curation isn’t “packaging inventory.” It’s a strategic framework built on three pillars:&nbsp; 1. Unique data Privacy-compliant and accurate. 2. Strong supply connections Access to quality inventory from publishers at scale. 3. Optimization tools To measure, refine, and improve performance throughout the campaign lifecycle. Why it matters: Manual approaches hit a ceiling. They can’t react quickly to shifting content, identity signals, or auction dynamics. That’s where technology partners come in, keeping the optimization loop running continuously. Intelligence at every touchpoint Curation isn’t about shifting control between platforms. It’s about better brand decisions, connecting opportunity-rich supply to the brand’s preferred buying platform and enriching each buy with audience data.&nbsp;In practice, supply-side platforms (SSPs) are ingesting richer signals to route inventory more effectively and support frequency caps and deal prioritization, in collaboration with demand-side platforms (DSPs). "I think we’re seeing a shift toward bringing more DSP capabilities into the SSP, like supply-side targeting and data driven curation. Advancements in areas like CTV are enabling targeting based on content signals, and SSPs are pulling in more data to inform which supply is sent to the DSP, helping with things like frequency caps."Matt Sattel Why page-level targeting beats static lists Static domain lists were a useful first step for quality control. The intent was sound, but the approach was too cumbersome for today’s signal-rich buying. Today, AI and contextual engines read the page, not just the site, and adapt in real time. Page-level logic delivers three key benefits:&nbsp; Accuracy by targeting high-intent, page-level content.&nbsp; Relevance by matching the creative to both the content and the audience context. Speed by enabling campaigns to move away from underperforming pages in real time, without waiting for a manual trafficking change.&nbsp; "AI-driven contextual engines evaluate the page, not just the domain, to curate inventory in real time. That moves curation from static allowlists to adaptive logic for greater accuracy, relevance, and speed."Sophia Su Partnerships broaden who influences the buy Curation works when publishers, agencies, data partners, and platforms share signals and KPIs.&nbsp; Horizontal curation (across multiple SSPs) assembles broader, higher-quality reach and resilience, ideal for scale and diversity of supply.&nbsp; Vertical curation (an SSP’s in-house product) provides deep controls within a single exchange, useful for specific inventory strategies.&nbsp; Creative and data now shape supply and demand: better creative decisioning, tested against richer signals, improves outcomes.&nbsp; DSPs remain central for activation and pacing. But the sell-side’s growing intelligence means more accurate inventory routing and signal application before a bid ever fires.&nbsp; "Curation will continue to evolve through deeper data partnerships and expanded use across publishers and agencies, with more sophisticated types of optimization. DSPs will remain critical to activation, even as sell-side decisioning plays a larger role in identifying and shaping the supply to select."Mike McNeeley Curation delivers access and measurable performance Here’s what curated deals are delivering. For buyers ResultType of result36-81%savings on data segments10-70%lower cost per click (CPCs)1.5-3xhigher click-through rates (CTRs)10-30%higher video completion rates For publishers ResultType of result20%bid density118%win rate10%revenue on discovered inventory25%eCRM on incremental impressions Why it works: When data, supply, and optimization are integrated, you reduce waste, surface better impressions, and let algorithms compound your advantage. That’s why curated private marketplaces (PMPs) have grown at ~19% compound annual growth rate (CAGR) since 2019.&nbsp; "Publishers using supply-side curation see ~15% more diverse buyers and 20–25% better performance than buy-side-only targeting. Smarter packaging and signal application tighten auctions and strengthen outcomes."Howard Luks Holistic curation streamlines planning and outcomes Curation adds the data layer earlier in the buying process, starting at the supply-side. This creates more opportunities to reach the right audience and improves scale and performance. By replacing multiple line items with a single curated deal, campaign setup becomes faster and less error-prone. Curated deals also simplify measurement by including the necessary context for accurate attribution, while dynamic adjustments ensure campaigns remain optimized without requiring manual updates. "Publishers using supply-side curation see ~15% more diverse buyers and 20–25% better performance than buy-side-only targeting. Smarter packaging and signal application tighten auctions and strengthen outcomes."Gina Whelehan It’s much more streamlined, bringing more pieces together so we’re thoughtful and holistic. Adding the audience and data element creates more scale and strategy in how we curate supply and data, and ultimately better results for clients. The bottom line Curation has matured from buzzword to performance system. DSPs still anchor activation and pacing, but better sell-side pipes now pre-route inventory and apply signals before any bid starts, making the whole system faster and more accurate. When you combine unique signals, tight supply connections, and always-on optimization, you gain addressability, reduce waste, and achieve better business outcomes for both buyers and sellers.&nbsp; Curation isn’t just a trend; it’s where programmatic advertising is headed. Start testing curated PMPs today to see the difference for yourself. Explore curated PMPs with Audigent Curation FAQs What is curation in performance marketing? Curation in performance marketing is the process of combining data, inventory, and optimization to deliver better results. Audigent supports curated strategies through privacy-safe data and advanced integrations. How does curation benefit marketers? Curation reduces wasted spend by targeting high-quality impressions and optimizing campaigns in real time. Audigent’s solutions help marketers achieve higher click-through rates, lower costs, and better engagement across channels. What are curated PMPs, and why are they important? Curated PMPs are deals that use curated data and inventory to deliver measurable results. They help buyers save on data costs, improve ad performance, and achieve better video completion rates, while publishers see higher win rates and revenue. How does Audigent support curated strategies? Audigent provides unique data assets, privacy-safe integrations, and optimization tools that help marketers and publishers create curated deals. Our solutions ensure campaigns are more efficient, targeted, and effective from start to finish. What’s the difference between horizontal and vertical curation? Horizontal curation combines inventory across multiple platforms for broader reach and diversity, while vertical curation focuses on deep control within a single platform. Both approaches can be tailored to specific campaign goals with Audigent's expertise. Latest posts

Nov 18,2025 by Experian Marketing Services

Subscribe to our newsletter

Enter your name and email for the latest updates

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

About Experian Marketing Services

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

Visit our website

Subscribe to our newsletter

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