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

Published: January 7, 2026 by Experian Marketing Services

At A Glance

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


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

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

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

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

Generational approach

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

How do financial behaviors differ across generations?

Generational digital behaviors

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

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

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

Generational workforce and retirement dynamics

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

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

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

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

Turn generational insights into action with Experian Audiences

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

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

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

How can marketers activate generational insights with Experian Audiences?

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

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

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

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

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

You can find the full taxonomy paths in the appendix.

‘Generation Z’ with two coin icons

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

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

Here are seven recommended audiences to target Gen Z:

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

How to use these audiences

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

‘Millennials’ with upward arrow icons

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

Behavior/metricMillennial
Prefer digital or contactless payments~85%

Here are ten audiences to target Millennials:

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

How to use these audiences

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

'Generation X’ with a stack of money icon

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

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

Here are ten audiences to target Gen X:

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

How to use these audiences

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

‘Baby boomers’ with a shield icon

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

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

Here are eight audiences to target Boomers:

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

How to use these audiences

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

Seasonal approach

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

Tax season

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

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

How to use these audiences

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

Home buying season

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

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

How to use these audiences

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

Back-to-school

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

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

How to use these audiences

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

Year-end planning (October-December)

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

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

How to use these audiences

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

What sets Experian Audiences apart?

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

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

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

Where can you activate Experian Audiences?

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

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

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

Activate Experian Audiences today with Audigent

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

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

Make every consumer part of your financial strategy

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

Reach out to us today

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FAQs

What are Experian Audiences?

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

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

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

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

How can financial marketers use Experian Audiences effectively?

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

Are Experian Audiences compliant with financial marketing regulations?


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

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

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

Where can you activate Experian Audiences?

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

Can I combine Experian data with my own?

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


Footnote

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

Appendix

Generation Z

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

Millennials

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

Generation X

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

Baby boomers

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

Tax season

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

Home buying season

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

Back to school

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

Year-end planning

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

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How Experian’s Digital Graph improved attribution accuracy for a DSP with 84% of IDs resolved

Demand-side platforms (DSPs) are more than just technology providers, they’re strategic partners, helping marketers answer the key question: “How should I spend my media budget?” A leading DSP struggled to attribute consumer actions across digital channels such as connected TV (CTV) and display. Without connecting impressions to conversions, they risked losing client trust and ROI proof. With Experian’s Digital Graph, they resolved 84% of IDs and increased match rates, strengthening attribution and client confidence. The challenge A leading DSP had trouble showing which ads drove results across CTV, display, and digital. Without linking ad views to conversions, they couldn’t prove ROI.&nbsp; The missing piece was attribution. They needed to show which channels drove conversions, but without strong identity resolution, it was hard to connect CTV ads to website activity. See how Experian is shaping addressability in CTV What is Experian's Digital Graph? Built from trillions of real-time data points and updated weekly, Experian’s Digital Graph connects billions of identifiers across devices and households, such as cookies, mobile ad IDs (MAIDs), CTV IDs, IP addresses, universal IDs, and more. It gives DSPs a reliable foundation by linking these identifiers back to households and individuals, improving DSPs' ability to offer attribution by better connecting impressions to conversions. Learn more about our Digital Graph here What makes the Digital Graph unique is its scale and freshness. It ingests trillions of signals in real time and delivers updates weekly. That consistency matters: it gives DSPs confidence that they’re working with the most accurate view of digital identity. AI and machine learning (ML) are core to how we maintain that level of accuracy. Our models use sophisticated clustering algorithms to analyze device connections at both household and individual levels. By evaluating data points such as timestamps, IP addresses, user agents, cookie IDs, and device identifiers, these algorithms create precise device groupings that enhance targeting and measurement accuracy. The models are continuously refined, ensuring our clients can better understand consumer behaviors within households and activate more effective, personalized marketing. Think of it like connecting puzzle pieces scattered across devices and channels. On their own, each piece doesn’t say much. Together, they reveal the full picture of who saw an ad, engaged, and converted, and which ads performed best. Watch the video The solution By syncing its cookies with the Digital Graph, the DSP gained access to related identifiers, including:&nbsp; MAIDs&nbsp; CTV IDs&nbsp; IP addresses&nbsp; Experian cookies&nbsp; This expanded identity universe gave the DSP a unified view of individuals and households, making it possible to connect impressions to conversions across devices and channels. With each weekly refresh, attribution models stayed accurate and up to date, turning fragmented signals into proof of performance.&nbsp; Results Within weeks, the DSP saw measurable improvements: 84% of IDs synced 9% increase in match rates With a stronger foundation of digital identifiers, the DSP matched more MAIDs, CTV IDs, and IP addresses to conversions. This allowed them to show clients exactly which ads and channels drove ROI, transforming impression reports into actionable proof of performance and strengthening client trust. See how MiQ strengthened their Identity Spine with Experian's Digital Graph Why attribution matters now Attribution has never been more critical. With signals fading and marketing budgets under pressure, DSPs need reliable data to prove performance. Experian’s Digital Graph takes a multi-ID, always-on approach, refreshed weekly with trillions of signals. This delivers consistency and accuracy that single-point, stale-ID solutions can’t match. For this DSP, that meant transforming attribution from guesswork into clear proof, strengthening client trust, and proving ROI across channels. Download the full case study Connect with us today to see how our Digital Graph can help you maximize advertiser trust and ROI. Ready to strengthen your approach to attribution? FAQs What is Experian’s Digital Graph? Experian’s Digital Graph is a privacy-conscious identity resolution solution built from trillions of real-time data points, refreshed weekly, that links identifiers like cookies, MAIDs, CTV IDs, Unified I.D. 2.0 (UID2), ID5 IDs and IP addresses to households and individuals. How does Experian’s Digital Graph improve attribution? Experian’s Digital Graph improves attribution by connecting impressions to conversions across devices and channels, giving DSPs a clearer view of which ads and channels drove results. What makes Experian’s Digital Graph different from other solutions?  While many platforms rely on single, static IDs, Experian’s Digital Graph uses a multi-ID, always-on approach with weekly refreshed, ensuring accuracy even as signals shift. What results can DSPs expect when using Experian’s Digital Graph?  When you use Experian’s Digital Graph, you can expect higher match rates, more synced IDs, clearer attribution models, and stronger proof of ROI for your clients. Because Experian’s Digital Graph serves as the backbone of the industry, it also helps DSPs maximize the scale and reach they can deliver to advertisers. Is Experian’s Digital Graph privacy-compliant? Yes. Experian’s Digital Graph is designed with privacy in mind, ensuring compliance while still delivering accurate attribution insights. Latest posts

Oct 01,2025 by Lucy Simmonds, Content Marketing Specialist

Santa’s secret weapon? Experian Audiences

If Santa used data to plan his holiday campaign, he’d call Experian. After all, how else could he deliver the right gifts to the right household? From sleigh bells to savings alerts, the holiday season isn’t just about Christmas. Whether you’re celebrating Hanukkah, Kwanzaa, Diwali, Lunar New Year, or simply the season of giving, brands have one thing in common: a need to reach the right audience at the right time, with messaging that resonates. Retail sales for 2025 are expected to grow 2.7–3.7% YoY, reaching nearly $5.48 trillion, with mobile commerce driving 75% of e-commerce growth. With so many brands vying for attention, delivering the right message to the right audience can be the difference between a one-time click and a lifelong customer.&nbsp; In this article, we’ll unwrap Experian’s holiday shopping audiences, including 25 new audiences, designed to help you reach the most relevant shoppers for your holiday campaigns. These audiences are available for activation on-the-shelf of most major platforms, including TV, social, and programmatic. You can find the complete audience segment name in the appendix. 2025 Holiday spending trends and insights report Download our latest report, in collaboration with GroundTruth, for data-driven insights you can use to refine your messaging and reach the right audience in their preferred channels this holiday season. Download now Deck the data halls: What separates Experian's syndicated audiences? Utilize Experian’s syndicated audiences to ensure your marketing messages resonate with shoppers.&nbsp;&nbsp; Experian’s 3,200+ syndicated audiences can be sent to 200+ leading social platforms, such as Meta and Pinterest, TV, programmatic advertising platforms, and directly within Audigent for activation within private marketplaces (PMPs). Reach consumers based on who they are, where they live, and their household makeup. Experian ranked #1 in accuracy by Truthset for key demographic attributes. Access to unique audiences through Experian’s Partner Audiences available on Experian’s data marketplace, within Audigent for activation in PMPs, and directly on platforms like DirectTV, Dish, Magnite, OpenAP, and The Trade Desk. Four audience categories to target this holiday season Even Santa needs help organizing his list these days, especially with so many kinds of households to deliver holiday magic to. With the U.S. population growing by roughly 21.7 million people in the last decade, there are more holiday tables to set, more last-minute carts to fill, and more families hitting the road than ever before. Experian Audiences and Partner Audiences help Santa (and your brand) get the message just right. New this season! Experian now offers Consumer Packaged Goods audiences to help you reach consumers ready to get into the holiday spirit with seasonal baking, cooking, and other goods. Here are four households on Santa’s sleigh route and how you can reach them with Experian:&nbsp; The merry makers The list-checkers The holiday hoppers The entertainers Let’s unwrap the segments within each category.&nbsp; This group isn’t just celebrating; they’re setting the stage. Whether they’re prepping for Friendsgiving or a cozy Diwali dinner, they’re fueling the season with food, décor, and hospitality. Holiday hosts and entertainers allocated more than $260 on food, candy, and decor alone in 2024, and according to GroundTruth, Saturday, December 7, 2024, was the busiest in-store shopping day across nearly every major category. Grocery store sales climbed 2.1% during the 2024 holiday season, and hosting Thanksgiving cost an average of $431. Here are 10 holiday host audiences to target this holiday season and how you can reach them with Experian: NEW! Bakeries High Spend NEW! Caterers High Spend NEW! Chocolate Candy Box Bag Bar Shoppers 3.5oz Plus NEW! Chocolate Shoppers NEW! Cocktail Mix Shoppers NEW! Frosting and Frosting Mix Shoppers NEW! Marshmallow Shoppers NEW! Ready-to-Use Pie Crust Shoppers NEW! Sugar Shoppers Holiday Shoppers: High Spenders How to use these audiences Santa knows this household is hosting the holiday magic, so he loads his sleigh with gourmet cocoa, festive napkins, and extra marshmallows to make sure the party is stocked with seasonal favorites. A consumer-packaged goods brand launching a new holiday baking product can reach Chocolate Shoppers, Holiday Shopping High Spenders, and Ready-to-Use Pie Crust audiences to connect with high-intent hosts prepping festive desserts. This household isn’t just shopping; they’re creating the perfect gifts. In 2024, U.S. shoppers planned to spend more than $1,000 on holiday gifts as online purchases surged, totaling $241 billion between November 1 and December 31. Looking to 2025, according to our latest holiday insights, just 22% of consumers expect to spend more, while 27% anticipate cutting back. With consumer confidence still on an uneven footing and inflation having climbed up to 2.9%, shoppers are approaching holiday lists with greater caution. Experian’s purchase-based data shows mass retail remains a bright spot, with value-driven spending holding strong amid recent dips and rebounds, as shoppers cautiously resume purchases. That makes gift-focused households more deliberate with their choices and reinforces that brands emphasizing value and trust will earn lasting loyalty. Here are 10 list-checker audiences to consider this holiday season:&nbsp; NEW! Precious Stones Metals Watches Jewelry High Spend Big Box/Club Stores Holiday Shoppers Black Friday Holiday Shoppers Cyber Monday Holiday Shoppers Heavy Buyer/Spenders Holiday Shoppers: In-Store or Online High Spend Gift Shoppers Holiday Shoppers: Apparel (Clothing) Luxury Gift Shoppers Online Coupon Users Post Holiday Shoppers How to use these audiences Santa knows this household goes big when it comes to gifting, so he makes sure their stockings are filled with trinkets, timeless watches, and the kind of treasures that twinkle under the tree. A luxury jewelry brand launching a limited-edition holiday collection can activate Precious Stones Metals Watches Jewelry High Spend and Luxury Gift Shoppers audiences to reach buyers who believe in gifts that sparkle. This household is on the move. From planes and trains to jam-packed highways, travel is back in full force. In 2024, a record 119.3 million Americans traveled during the holiday period, surpassing pre-pandemic levels. Road trips remained the most popular mode, while air travel hit a new high with 7.85 million flyers. Here are 10 holiday travel audiences to target: NEW! Bridge and Road Fees Tolls High Spend NEW! Hotel High Spend NEW! Lodging Hotels Motels Resorts High Spend NEW! Passenger Railways High Spend NEW! Timeshares High Spend NEW! Tourist Attractions and Exhibits High Spend NEW! Travel Agencies and Tour Operators High Spend Holiday Budget Savvy Airline Travelers Holiday Travel – Airline Holiday Travel – Train How to use these audiences For this household, Santa swaps his sleigh for the train car – booking them on a magical Polar Express journey complete with cocoa, carols, and a golden ticket to holiday wonder.&nbsp; When brands want to deliver the same magic, a travel package could bundle tickets to a railway’s Polar Express immersive experience with air travel and lodging, activating the Hotel High Spend, Travel Agencies High Spend, and Passenger Railways High Spend audiences to reach travelers seeking an unforgettable holiday adventure.&nbsp; This household knows how to celebrate from the couch. Whether it’s football, holiday movies, or once-a-year specials, the screen is their gathering place. On December 25, 2024, Americans streamed more than 50 billion minutes of content, making it the most-streamed day in U.S. television history. From dazzling halftime shows to nostalgic holiday classics, entertainment is the heartbeat of the season. Here are 10 entertainer audiences to target: Cable and Streaming TV Service Subscribers Cable Satellite or Streaming Network Subscribers Co-Watchers Cord Cutters Holiday TV NFL Enthusiasts Paid TV High Spenders Screen Size – Large Sports Enthusiasts Streaming Video: High Spenders Download our holiday audience guide How to use these audiences Santa knows this audience loves flipping between a holiday classic and the big game. That’s why he delivers gifts for households craving the latest binge-worthy content. It could be a subscription or a big-screen update wrapped with a bow. These audiences represent a golden opportunity to pair campaigns with highly engaged moments. A beverage brand can target NFL Enthusiasts during a holiday football broadcast with ads for limited-edition game-day packs. Sleigh your campaign goals this holiday season with Experian Audiences The holiday season is the busiest time of year for brands – and for Santa. That’s why he relies on Experian to make his list, check it twice, and be sure every sleigh stop is spot-on. Experian’s data, ranked #1 in accuracy by Truthset, allows brands to reach people based on demographic, geographic, and behavioral attributes (e.g., websites visited and purchase history). By using Experian Audiences in your holiday advertising campaigns, you can reach holiday hosts, gift-givers, entertainers, holiday travelers, and many more. Where can you activate Experian Audiences? Find our audiences available directly on over 30 platforms including:&nbsp; Basis FreeWheel&nbsp; Magnite&nbsp; Nexxen&nbsp; The Trade Desk&nbsp;&nbsp; Viant&nbsp;&nbsp; Microsoft Advertising and more Just as shoppers seek the perfect gifts, with the right strategy, your holiday advertising campaigns can capture the right shoppers. 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 syndicated audience on Meta, Pinterest, Snap, TikTok or on a platform not listed above? Contact us today. Additionally, work with Experian’s network of data providers to build audiences and send to an Audigent PMP for activation. You can activate our syndicated audiences on-the-shelf of most major platforms. For a full list of Experian’s syndicated audiences and activation destinations, download our syndicated audiences guide. Explore our other seasonal audiences that you can activate today. View now Activate holiday audiences today with Audigent Planning a performance-driven push this holiday season? Audigent will build customized deals that combine premium Experian syndicated or Partner Audiences and inventory into a single, streamlined deal ID – tailored to your campaign needs. Plus, our powerful supply-side optimization ensures your campaigns deliver top marks in performance. Connect with the Audigent team today at AudigentAgency_Brands@experian.com to get your holiday campaign wrapped and ready to go. Let's make your holiday campaigns magical Appendix Here are the complete audience segment names (taxonomy paths) for all audience segments discussed in this blog post. The merry makers Purchase Predictors &gt; Shoppers All Channels &gt; Bakeries High Spend Purchase Predictors &gt; Shoppers All Channels &gt; Caterers High Spend Retail Shoppers: Purchase Based &gt; CPG Engagement &gt; Chocolate Candy Box Bag Bar Shoppers Retail Shoppers: Purchase Based &gt; CPG Engagement &gt; Chocolate Shoppers Retail Shoppers: Purchase Based &gt; CPG Engagement &gt; Cocktail Mix Shoppers Retail Shoppers: Purchase Based &gt; CPG Engagement &gt; Frosting and Frosting Mix Shoppers Retail Shoppers: Purchase Based &gt; Seasonal &gt; Holiday Shoppers: High Spenders Retail Shoppers: Purchase Based &gt; CPG Engagement &gt; Marshmallow Shoppers Retail Shoppers: Purchase Based &gt; CPG Engagement &gt; Ready To Use Pie Crust Shoppers Retail Shoppers: Purchase Based &gt; CPG Engagement &gt; Sugar Shoppers The list-checkers Purchase Predictors &gt; Shoppers All Channels &gt; Precious Stones Metals Watches Jewelry High&nbsp; Retail Shopper: Purchase Based &gt; Seasonal &gt; Holiday Shoppers: Big Box/Club Stores Shoppers&nbsp; Retail Shoppers: Purchase Based &gt; Seasonal &gt; Holiday Shoppers: Black Friday&nbsp; Retail Shoppers: Purchase Based &gt; Seasonal &gt; Holiday Shoppers: Cyber Monday&nbsp; Retail Shoppers: Purchase Based &gt; Seasonal &gt; Holiday Shoppers: Heavy Buyer/Spenders: In Store&nbsp; Retail Shoppers: Purchase Based &gt; Seasonal &gt; Holiday Shoppers: Heavy Buyer/Spenders: Online&nbsp; Retail Shoppers: Purchase Based &gt; Shopping Behavior &gt; Gift Shoppers High Spend Spenders&nbsp; Retail Shoppers: Purchase Based &gt; Seasonal &gt; Holiday Shoppers: Apparel (Clothing)&nbsp; Retail Shoppers: Purchase Based &gt; Seasonal &gt; Holiday Shoppers: Luxury Gift Shoppers&nbsp; Retail Shoppers: Purchased Based &gt; Shopping Behavior &gt; Online Coupon Users&nbsp; Retail Shoppers: Purchased Based &gt; Seasonal &gt; Holiday Shoppers: Post holiday&nbsp; The holiday hoppers Purchase Predictors &gt; Shoppers All Channels &gt; Bridge and Road Fees Tolls High Spend Purchase Predictors &gt; Shoppers All Channels &gt; Hotels High Spend Purchase Predictors &gt; Shoppers All Channels &gt; Lodging Hotels Motels Resorts High Spend Purchase Predictors &gt; Shoppers All Channels &gt; Passenger Railways High Spend Purchase Predictors &gt; Shoppers All Channels &gt; Timeshares High Spend Purchase Predictors &gt; Shoppers All Channels &gt; Tourist Attractions and Exhibits High Spend Purchase Predictors &gt; Shoppers All Channels &gt; Travel Agencies and Tour Operators High Spend Retail Shoppers: Purchase Based &gt; Seasonal &gt; Holiday Budget Savvy Airline Travelers Retail Shoppers: Purchase Based &gt; Seasonal &gt; Holiday Travel – Airline Retail Shoppers: Purchase Based &gt; Seasonal&gt; Holiday Travel – Train The entertainers Television (TV) &gt; Household/Family Viewing &gt; Cable and Streaming Service Subscribers Television (TV) &gt; Household/Family Viewing &gt; Cable Satellite or Streaming Network Television (TV) &gt; Household/Family Viewing &gt; Co-Watchers Television (TV) &gt; Household/Family Viewing &gt; Cord Cutters Publisher Derived &gt; IAB Television &gt; Holiday TV Lifestyle and Interests (Affinity) &gt; Activities and Entertainment &gt; NFL Enthusiasts Television (TV) &gt; TV Enthusiasts &gt; Paid TV High Spenders Television (TV) &gt; Viewing Device Type &gt; Screen Size – Large Lifestyle and Interests (Affinity) &gt; Sports and Recreation &gt; Sports Enthusiast Retail Shoppers: Purchase Based &gt; Entertainment &gt; Streaming/Video/Audio/CTV/Cable TV: Streaming Video: High Spenders Experian syndicated holiday audiences FAQs Where can I activate Experian Audiences? Experian Audiences can be activated on 200+ leading platforms, including social media (Meta, Pinterest, Snap, TikTok), TV and streaming (DirectTV, Dish, OpenAP), programmatic platforms (The Trade Desk, Magnite, Nexxen), and directly within Audigent PMPs. How many syndicated audiences does Experian offer? Experian offers over 3,200 syndicated audiences, ranging from demographic and geographic segments to purchase-based and lifestyle categories. These are ranked #1 in accuracy by Truthset for key demographic attributes. What’s new for the 2025 holiday season? This year, Experian has introduced 25 new holiday-ready audiences, including consumer packaged goods (CPG) segments like Chocolate Shoppers, Ready-to-Use Pie Crust Shoppers, and Cocktail Mix Shoppers, plus new travel audiences. Can I create a custom audience? Yes. If you need something beyond syndicated segments, Experian’s team can help you build and activate custom audiences tailored to your campaign goals on the platform of your choice. Latest posts

Sep 26,2025 by Lucy Simmonds, Content Marketing Specialist

Brewing clarity: A café guide to AdTech jargon

If you've ever sat in a meeting and heard an AdTech term you didn’t understand, you’re not alone. The industry evolves as quickly as a café turns over tables on a busy weekend. Even seasoned regulars can get tripped up by the jargon. So instead of scratching your head over the “menu,” let's walk through some of the most common terms: served café-style. The ingredients: The many flavors of first-party data Every meal starts with ingredients, and in AdTech, those ingredients are data. First-party data is not just one thing: it's more like everything your favorite neighborhood café knows about you. First-party data The café knows your coffee preferences because you've told them directly; whether by ordering at the counter, calling in, or placing an order online. This is information you’ve willingly provided through your interactions, and it belongs only to that café. First-party cookies The barista writes down your preferences in a notebook behind the counter, so next time you walk in, they don’t have to ask. First-party cookies remember details to make your experience smoother, but only for that café. Authenticated identity A loyalty app that connects online orders to in-person visits. By logging in, you're saying, “Yes, it's really me.” Authenticated identity is proof that the customer isn't just a face in line, but someone with a verified profile. Persistent identity Recognizing you whether you order through the app or in person. Persistent identity enables the ability to keep track of someone across different touchpoints, consistently, without confusing them with someone else. Permissioned data Agreeing to join the loyalty program and get emails. Permissioned data is a connection to the customer that the customer proactively shared with the café by signing up for their loyalty program or email newsletter. Each piece comes from direct interactions, stored and used in different ways. That's what makes first-party data nuanced. The saga of third-party cookie deprecation and changing privacy regulations makes it important to understand which types of data you can collect and use for marketing purposes. And once you have those ingredients, the next step is making sure you recognize how they fit together, so you can see each customer clearly. That’s where identity resolution comes in. The recipe: Bringing the ingredients together with identity resolution At the café, identity resolution is what helps the staff recognize you as the same customer across every interaction. Without it, they might think you’re two different people; one who always orders breakfast and another who sometimes picks up pastries to go. Matching The café has a loyalty program, and the pet bakery next door has one too. When they match records across their two data sets, they realize “M. Jones” from the café is the same person as “Michelle Jones” from the bakery. That connection means they can activate a joint promotion, like free coffee with a dog treat, without either business handing over their full customer lists. In marketing, matching works the same way, linking records across data sets for activation so campaigns reach the right people. Deduplication Collapses duplicate profiles into a single, clean record, so you don't get two birthday coupons, even though that would be nice to get. That's what Experian does at scale: we connect billions of IDs in a privacy-safe way, so you can get an accurate picture of your audience. And once you can recognize your customers across touchpoints, the next challenge is collaborating across systems and partners for deeper insights. That's where the behind-the-counter processes come in. Behind the counter: Crosswalks and clean rooms At a café, these terms are like the behind-the-counter processes that keep everything running smoothly. They may sound technical, but they all serve the same purpose: helping data collaborate across different sources, while keeping sensitive information safe. The goal is a better “meal” for the customer, deeper insights, better targeting, and more personalized campaigns. Here's how they work. Crosswalks The café partners with the pet bakery next door. They both serve a lot of the same people, but they track them differently. With a crosswalk, they can use a shared key to recognize the same customer across both businesses, so you get a coffee refill, and your dog gets a treat, without either one handing over their full customer list. A crosswalk is the shared system that lets both know it is really you, without swapping personal details. It's the bridge connecting two silos of data. Clean rooms The café and the pet bakery want to learn more about their shared customers, like whether dog owners are more likely to stop by for brunch on weekends. Instead of swapping their full records, they bring their data into another café’s private back room, a clean room, where they can compare trends safely and privately. Both get useful insights, while customer details stay protected. That’s a clean room: secure collaboration without exposing sensitive data. Of course, sharing and protecting data is only part of the picture. The real test comes when you need to serve customers in new ways, especially as the industry moves beyond cookies. Serving customers in new ways: Cookie-free to ID-free Targeting has evolved beyond cookies, just like cafés no longer rely only on notebooks to remember regulars. ID-free targeting The café looks at ordering patterns, like cappuccinos selling on Mondays and croissants on Fridays, without tracking who's ordering what. Instead of focusing on who the customer is, the café tailors choices based on the context of the situation, like time of day or day of the week. This is like contextual targeting, serving ads based on the environment or behavior in the moment, rather than on personal identity. ID-agnostic targeting The café realizes customers show up in all sorts of ways: walk in, online ordering, delivery. Each channel has its own “ID,” a name on the app, a credit card, or a loyalty profile. ID-agnostic targeting means no matter how you order, the café can still serve you without being locked into one system. Just like cafés no longer rely only on notebooks to keep track of regulars, marketers no longer have to depend solely on cookies. Today, there are multiple paths, cookie-free, ID-free, and ID-agnostic, that can all help deliver better, more relevant experiences. But even with new ways to reach people, one big question remains: how do you know if it’s actually working? That’s where measurement and outcomes come into play. Counting tables vs. counting sales At the café, measurement and outcomes aren't the same. Measurement Tables filled, cups poured, specials ordered. Outcomes What it all means: higher revenue, more loyalty sign-ups, or increased sales from a new promotion. Both matter. Measurement shows whether the café is running smoothly, but outcomes prove whether the promotions and strategies are truly paying off. Together, they help connect day-to-day activity to long-term success. All of this brings us back to the bigger picture: understanding the menu well enough to enjoy the meal. From menu to meal In AdTech, there will always be new terms coming onto the menu. What matters most is understanding them well enough to know how they help you reach your business goals. Just like at the café, asking a question about the specials isn’t foolish. It’s how you make sure you get exactly what you want. The more we, as an industry, understand the “ingredients” of data and identity, the better we can cook up new solutions that serve both brands and consumers. After all, the goal isn't just to talk about the menu, it’s to enjoy the meal. At Experian, we help brands turn that menu into action. From identity resolution to privacy-safe data collaboration, our solutions make it easier to connect with audiences, activate campaigns, and measure real outcomes. If you're ready to move from decoding the jargon to delivering better customer experiences, we’re here to help About the author Brandon Alford Group Product Manager, Experian Brandon Alford is a seasoned professional in the AdTech ecosystem with a focus on identity, audience, measurement, and privacy-forward solutions. He has spent his career helping advertisers and publishers navigate the complexities of digital advertising and privacy, bringing a practical and forward-looking perspective to industry challenges and innovation. AdTech jargon FAQs What is first-party data, and why is it important? First-party data is information a customer shares directly with a brand, like purchase history, preferences, or sign-ups. It’s the most valuable and privacy-safe data marketers can use to build personalized campaigns. How do identity resolution and matching work in marketing? Identity resolution ensures a brand can recognize the same customer across different touchpoints. Matching links records across data sets (e.g., between partners) so campaigns reach the right people without exposing full customer lists. What’s the difference between a crosswalk and a clean room? A crosswalk bridges two data systems with a shared key to recognize the same customer, while a clean room allows partners to analyze data together securely without exposing sensitive details. What does “cookie-free” or “ID-free” targeting mean? Cookie-free and ID-free targeting shift focus away from tracking individuals, instead tailoring ads based on context (like time of day or content being viewed) or allowing flexibility across multiple IDs. How is measurement different from outcomes? Measurement tracks activity (like clicks or visits), while outcomes prove business impact (like sales, loyalty, or revenue). Both are essential, but outcomes show whether strategies are truly effective. How does Experian help marketers with these AdTech challenges? Experian provides tools for identity resolution, privacy-safe data collaboration, and campaign measurement, helping marketers move from understanding the “menu” of AdTech terms to achieving real results. Latest posts

Sep 23,2025 by Brandon Alford, Group Product Manager

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