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Retail media is quickly outpacing other areas of digital advertising and is projected to grow 29% by 2025. Despite this trajectory, retail media is still relatively new compared to traditional digital media and operates like a startup in terms of tech capabilities. Sustained growth will require retail media standardization — creating consistent ways to measure and compare ad performance across retail media networks (RMNs). This standardization will be key for RMNs wanting to understand what’s driving the most value and sales for their business.
In an Interactive Advertising Bureau (IAB) study, 62% of ad buyers pointed to standardization as a top growth challenge. The current ecosystem’s inconsistent standards have prevented effective investment in measurement and limited ad buyer participation. Standardization will be necessary moving forward for effective adoption and trust in these new channels.
This article explores the challenges marketers face without retail media standardization and the collaborative efforts needed to establish consistent measurement standards across the industry.
How much standardization currently exists?
Retail media standardization is limited industry-wide, with each RMN using its own metrics and definitions; what one network calls a “conversion” might be defined differently by another. Some retail companies also sell ad space within siloed, walled-garden shopping environments, which makes it difficult for advertisers to compare performance across platforms. As a result, the current landscape lends itself to inconsistency, campaign measurement complications, and an unclear view of return on investment (ROI) across RMNs.
This fragmentation stems from how retailers have historically developed and managed customer data platforms and e-commerce websites independently, causing disparities in the types and quality of customer data available and the technologies used to manage it. Each retailer uses a unique technology stack and customer experience strategies, which means data is collected, utilized, and integrated into advertising platforms differently.
Why is standardization important?
A 2023 State of Retail Media Survey highlighted the industry’s lack of standardization as a significant obstacle to growth. The Association of National Advertisers also found that advertisers can’t fully take advantage of their retail media investments because of inconsistent measurement practices. Standardized retail media measurement practices are critical for growth. By setting consistent measurement standards across different platforms, it becomes easier for various players to:
- Assess how ads are performing
- See which strategies work across RMNs
- Optimize ad spending
- Make informed decisions
- Extract more value from advertising budgets
Ultimately, standardized metrics are a must for improving transparency, strategic effectiveness, and ROI.
Who is promoting standardization?
We’re seeing a collective push for retail media standardization by several industry stakeholders wanting a more cohesive and effective advertising ecosystem. One of the most recent efforts came from the IAB and the Media Rating Council (MRC). These organizations collaborated with brands, agencies, and RMNs to develop new guidelines for standardized measurement practices and have given the ecosystem a proposed common language for retail media measurement.
These guidelines were released in January 2024 to provide a consistent framework for the following across retail media platforms:
- Audience measurement
- Reporting
- Incrementality
- Transparency
- Viewability
- Ad delivery
- In-store advertising
Microsoft Retail Media, an early adopter of the framework, has experienced greater data transparency, accuracy, privacy, and security, which has benefited advertisers and retailers and advanced Microsoft’s position as a retail media industry leader. Widespread adoption of these guidelines has the potential to drive innovation, attract more advertisers, strengthen collaboration, grow the industry, and improve the consumer experience.
The benefits of industry standardization
A standardized retail media framework for performance measurement can benefit advertisers, retailers, media agencies, and other stakeholders in the ecosystem. Here are some ways each entity stands to benefit.
Benefits for retailers
Standardization makes it easier for retailers to demonstrate their credibility and the value of their retail media program. With uniform measurement across channels and campaigns, they can provide clear, comparable data that reflects their impact, builds trust, and encourages advertiser investment. Better campaign management efficiency also reduces the operational burden, so retailers can focus on improving customer experiences and driving sales.
Experian’s Activity Feed helps you measure performance — and understand how ads impact shopping behavior — by providing you with ad exposures in one environment (web or connected TV) that you can connect to an action in another (in-store purchase). Learn more about Activity Feed and see it in action here.
Benefits for media agencies and marketers
With standardized metrics, advertisers and media agencies have an easy, reliable way to compare metrics and assess the effectiveness of various campaigns across RMNs. This “apples to apples” comparison helps them determine which channels are truly driving better ROI so they can effectively optimize spending.
Standardization also improves collaboration with retailers and leads to more effective campaigns. Consistent guidelines can help teams create, carry out, and optimize retail media strategies and easily compare platform effectiveness.
Benefits for industry stakeholders
Industry stakeholders like technology providers and regulatory bodies can greatly benefit from standardized retail media measurement practices. Consistent measurement provides a common framework that improves transparency and trust among parties. With reliable and comparable metrics, standardization helps everyone speak the same language when it comes to performance evaluation and decision-making. This uniformity facilitates smoother interactions and partnerships between the buy and sell sides, so it’s easier to negotiate and collaborate.
Strategies for implementing retail media standardization
Standardizing measurement will require industry-wide coordination around several strategies, as outlined in best practices frameworks from standardization proponents like IAB/MRC and the Albertson’s Media Collective.
Unify reporting and performance measurement
To address the lack of standardization in performance metrics, RMNs must adopt uniform definitions and calculation methodologies for key metrics. Unified reporting in retail media requires successful stakeholder collaboration to:
- Agree on critical KPIs and reporting metrics like impressions and conversion rates
- Adopt standardized data formats and reporting tools
- Educate stakeholders
- Ensure data quality and compliance
- Continuously improve based on industry feedback
The IAB/MRC framework provides a basis for standardizing metrics for media delivery and engagement, as well as sales and conversions. This consistency helps advertisers compare performance across platforms effectively, enhancing transparency and decision-making.
Standardize product specifications
It’s important for advertisers to have consistent product specifications, as it makes it easier to create and deploy ads across multiple RMNs. To achieve this, RMNs should align ad formats, file sizes, animations, and video specifications with IAB guidelines. Following these standards will help RMNs eliminate compatibility issues, simplify adoption, and save time and resources. It’s also vital for RMNs to maintain flexibility for unique ad formats in order to encourage innovation while still benefiting from standardized specifications.
Introduce third-party verification and disclose capabilities
Introducing third-party verification for ad placement, fraud detection, brand safety, and competitive separation can improve an RMN’s credibility and transparency. By disclosing the third-party providers used and the types of verification offered, RMNs build trust with advertisers and give them the confidence they need to invest.
Additionally, RMNs should disclose their staffing, processes, technology, inventory management, targeting, creative management, and self-service offerings. Transparency in these areas helps advertisers make informed decisions, optimize ad buys, and increase efficiency. Using existing IAB verification and capability disclosure guidelines ensures reliability and a more trustworthy, efficient advertising environment.
Future retail media standardization trends
The future of retail media is poised for significant growth, especially as standardization guidelines are widely adopted and implemented. Here are some trends we expect to see as retail media ad spending grows.
Widespread RMN adoption and spending
Standardization could spur greater RMN spending and drive broad adoption by advertisers who hesitated before due to concerns about metrics and performance comparability.
New partnerships and collaborations
Standardization may lead to new partnerships that weren’t possible before:
- Brands and retailers might team up to blend advertising and sales data for better-targeted campaigns.
- AdTech companies could also partner with multiple retailers to offer unified advertising solutions.
- Retail media networks and analytics firms could collaborate to provide deep insights into consumer behavior and campaign performance.
- Partnerships among retailers, including smaller ones seeking retail media measurement uniformity, may drive further standardization and create new advertising opportunities across product categories with audience overlap.
Ad format innovation
Agreeing on common standards simplifies how ads are measured and understood. Standardization may drive down costs and free up space for more imaginative, engaging ads in the future. For instance, the IAB/MRC’s common language is helping to promote consistency and clarity and fuel innovation across the board.
Incrementality focus
As standardization becomes more widespread, there may be a growing trend toward incrementality measurement, which measures the additional impact of advertising campaigns compared to what would have happened without them. Standardized metrics can help advertisers accurately gauge and optimize campaign effectiveness and maximize their marketing investments.
Growth of cross-platform ad targeting
Standardization may drive the growth of cross-platform ad targeting. With consistent metrics and measurement standards, advertisers will be able to track and compare their ad performance across platforms more accurately. This unified approach will improve ad targeting precision and ensure a consistent impact across RMNs.
Commerce media
Commerce media is changing retail advertising with its focus on verified data and real-time transaction insights, making campaigns more efficient. This shift could push for more uniform measurement standards across platforms and level the playing field. As commerce media gains traction, its emphasis on targeted advertising and ROI measurement might pave the way for universal metrics and clearer guidelines across retail networks.
Where does this leave modern advertisers?
Retail media is still at a crossroads. If standardization doesn’t occur soon, its growth may slow. For now, advertisers are resorting to custom strategies or relying on whichever network they feel is most effective for their products. They are likely to continue investing significantly in retail media, maintaining or increasing spending in the next year.
Although RMNs continue to be challenging without formally recognized standardization guidelines, the proposed IAB/MRC guidelines provide an effective starting point.
Join forces with a strategic RMN partner
RMN success requires overcoming complicated technical hurdles that may exceed non-media business capacities. Managing data complexities, resolving identities, utilizing audience insights, and ensuring precise measurement requires specialized expertise and technologies.
We recently announced a solution tailored for RMNs. This offering enhances RMNs’ strength in first-party shopper data by using Experian’s#1 ranked identity and audience services. Our solution helps RMNs unlock expanded customer insights, enriched audiences for activation, identity resolution for cross-channel audience targeting, and real-time measurement and attribution. This comprehensive solution is designed to help RMNs capture more advertising revenue.
If your organization could benefit from a partner with the requisite technological tools and insights into the retail media landscape, contact us to discover how we can help you achieve RMN success.
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The concept of the "hedged garden" is gaining traction in the AdTech space as a promising new approach. It offers a more controlled and protected environment for advertisers, reshaping how digital advertising operates. But what exactly is a hedged garden, and could it be the solution we've been looking for? Let's dive into the details and explore its implications. Walled gardens vs. the open web Walled gardens continue to disrupt the advertising industry to stay relevant. Google, Meta (Facebook), and Amazon, the largest walled gardens, offer consumer privacy and rich first-party data to advertisers. But, time spent within these platforms, Google and Meta specifically, continues to decrease. Open web: Pros and cons On the other hand, the open web allows for more transparency, scale, and constant diversification. Yet, this has not led to increased spending. As a result, the open web continues to lag behind walled gardens. With a heavy reliance on third-party data and growing concerns over signal loss, the open web faces significant challenges. Under these circumstances, advertisers turn to easy activation channels like walled gardens, even as they become less effective to marketers. Consumers are increasingly focused on privacy, pushing the industry toward alternatives to third-party cookies. As Google rethinks its cookie deprecation plans, channels like connected TV (CTV) and mobile apps, which don't rely on cookies, are gaining traction. “A significant portion of web traffic does not support cookies today — and that number will grow as Google rolls out [its] new solution. This means that the industry shouldn't slow down investments in cookieless solutions, including alternative IDs, first-party data and data-driven contextual targeting.”kimberly gilberti, general manager, experian This shift emphasizes first-party data and user choice as a potential solution that balances privacy with effective advertising sources. Enter the hedged garden So, what is a hedged garden? The “hedged garden” is a new industry concept where a network of publishers works together to activate first-party data sets in a privacy-compliant way across many partners at scale. These publishers run their businesses with large amounts of first-party consumer data. But they are not big enough on their own. What does a hedged garden look like? Hedges are more permeable and not as tall as walls. This idea is key to the success of the hedged garden. Data protection and privacy regulations As hedged gardens grow, staying compliant with privacy laws like the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA) is vital. These rules focus on protecting user data by requiring clear consent and transparency. Hedged gardens help publishers share first-party data in a safe, privacy-compliant way. By working together, they ensure data is used responsibly, aligning with strict privacy regulations. This not only keeps marketers compliant but also builds trust with consumers at a time when data protection is more important than ever. Opportunities for marketers in hedged gardens Hedged gardens offer unique opportunities for marketers to enhance their strategies. Unlike walled gardens, hedged gardens offer the ability to work with a wider array of data sources and provide more diverse insights into audience behavior. This flexibility lets marketers develop more tailored, cross-platform campaigns that reach users in different ways. Additionally, hedge gardens encourage collaboration with multiple partners, allowing for new partnerships and innovative strategies. With data from several sources, marketers can create more precise and privacy-compliant targeting methods to deliver better results. With the right approach, hedged gardens give marketers the freedom to break away from restrictive ecosystems and drive creative and impactful growth. How Experian navigates through hedged gardens As our ecosystem moves toward a hedged garden solution, how do we get involved? We are already a key ingredient for this type of solution within the TV landscape. Below, we walk through how we partner with one of our current TV media clients. Organize our client’s data and provide a Living Unit ID (LUID) First, we work with our client to clean and enhance their data, matching individual personal identifiable information (PII), such as an email address, to a household through a LUID. Our Digital Graph, which includes hashed emails (HEMs), cookies, mobile ad IDs (MAIDs), IPs, universal IDs, and CTV IDs, is rebuilt weekly to create accurate, refreshed connections. This consistent linkage creates precise targeting and measurement over time. Our interconnected Offline and Digital Graphs organize identity into households and devices, enriched with marketing data for deeper insights and better addressability. With partnerships across major platforms, we improve match rates, helping you activate audiences seamlessly for optimal reach and measurement. Enrich data through Experian Marketing Data Next, our TV media client licenses our Marketing Attributes. This data is the most comprehensive resource for both traditional and digital marketing campaigns. With its multi-channel availability and addressable capabilities, our Marketing Attributes allow our clients to develop insights and build audiences based on a wide range of attributes within their segment set, ensuring they reach relevant audiences across all channels. Activate audiences across the ecosystem Finally, we help our client execute their audiences across the full digital and TV ecosystem. We enable the connection that allows these audiences to be activated by matching partner LUIDs (example: LUID123 = LUIDABC). By using client-specific LUIDs to match up data in a privacy-first manner, we can continue to build strong partnerships within the fast-growing ecosystem. Are hedged gardens the future of advertising? Have we found the perfect bridge between walled gardens and the open web? We’re hedging our bets. Our vote is yes, but only time will tell. The future of advertising is shifting, and hedged gardens appear to be a promising model that balances the scale of walled gardens with the flexibility of the open web. We’re using what we learned from the TV industry to support other hedged garden verticals (retail media networks, audio, and gaming). Now that we know what a hedged garden is, we should consider what the future holds for both walled and hedged gardens. What’s next for walled gardens Increased privacy regulations: Walled gardens will face stricter regulations on data use, pushing them to adapt for compliance and trust. Reduced market dominance: As advertisers want more control, reliance on walled gardens could decline, shifting focus to hedged gardens. Diversified ad spend: Brands may spread their budgets across multiple platforms instead of being locked into walled gardens. The future of hedged gardens Greater industry collaboration: Expect more publishers and platforms to join forces in hedged gardens for better data activation. Expansion into new channels: Hedged gardens will expand into emerging channels like gaming and connected devices. Improved data integration: Privacy-first data sharing in hedged gardens will lead to smoother, more secure ad targeting. Data collaboration in a post-cookie world As signal loss becomes a growing concern, the need for secure, privacy-first data collaboration will rise. Hedged gardens offer a pathway forward, allowing advertisers to activate first-party data across multiple partners while complying with data regulations. This is where Experian Collaboration shines. By enabling data sharing without exposing raw consumer data, clients and partners can collaborate at Experian in their own environment or in clean rooms. Each of these environments allows partners to exchange data and gain insights without compromising privacy. Maximize your advertising reach with Experian As the advertising landscape changes, one thing remains clear: successful campaigns will require flexible, privacy-first solutions. At Experian, we are at the forefront of this shift. With our data expertise and advanced collaboration solutions, we’re here to help you navigate through both walled and hedged gardens to maximize your advertising reach. Together, we can navigate across the walled and hedged garden ecosystems. Contact us to learn how. Contact us Latest posts

Originally appeared on Adweek The advertising industry is experiencing a significant shift resulting from Oracle's market exit. Over the years, Oracle’s advertising tools—built through key acquisitions like Crosswise, BlueKai, Datalogix, and Grapeshot—have become essential for many marketers, data providers, and platforms. With Oracle’s departure, stakeholders are left searching for reliable alternatives to maintain their data-driven strategies. While this transition may seem daunting, it presents a unique opportunity to reassess audience and identity solutions. With the growing importance of adaptability and interoperability, now is the perfect time for advertisers, agencies, publishers, and platforms to adopt future-focused strategies. Oracle’s legacy: A combination of acquisitions Oracle’s advertising business wasn’t a unified solution but a collection of acquired technologies. Crosswise provided a cross-device identity graph; BlueKai offered a robust data management platform (DMP); Datalogix specialized in offline purchase data; and Grapeshot was known for its contextual targeting. Together, these tools powered a comprehensive offering for advertisers, data providers, and platforms. Yet, much of Oracle’s advertising success stemmed from the external data it used. For example, many of Oracle’s automotive audiences relied heavily on third-party data, largely powered by Experian data. This means that while Oracle may no longer be an option, many of the services marketers depended on through Oracle are still available from Experian, ensuring continuity. What this means for advertisers and agencies For advertisers and agencies, Oracle’s exit means losing access to its syndicated audiences. Fortunately, this doesn’t have to cause a major disruption. As one of Oracle’s primary data providers, we've mapped Oracle’s audiences to our own, ensuring marketers can easily maintain their targeting strategies without losing performance or efficiency. With access to over 2,400 syndicated audiences across key verticals such as demographics, automotive, retail purchases, or financial data, advertisers can continue their campaigns with confidence and precision. What sets us apart? Powered by data ranked #1 in accuracy by Truthset, our audiences are built on reliable, offline, deterministic data — like name, address, phone number, and email. This means advertisers can be confident that they are reaching the right audiences across all channels. With our audiences available across 30+ ad platforms, including programmatic, TV, and social media, advertisers and agencies have easy access to keep their campaigns running. For advertisers that ran audience targeting using Grapeshot's Contextual Platform, our new Contextually-Indexed Audiences are a replacement built for the evolving digital media landscape. By combining the precision of audience targeting with the flexibility of contextual targeting, marketers get a privacy-safe, yet scalable way to target audiences that is not reliant on cookies or other user identifiers. Marketers can activate these audiences through leading demand-side platforms (DSPs) or through Audigent private marketplaces (PMPs). A new opportunity for data providers Oracle’s marketplace has long been a crucial distribution channel for third-party data providers, particularly through BlueKai. With its closure, providers have an opportunity to explore new onboarding services and marketplaces that offer similar or even better reach and effectiveness. New alternative onboarding solutions are emerging, particularly in areas like TV and digital, ensuring that the loss of Oracle’s services does not leave a significant gap. These solutions are being built to overcome the challenges typically present with data onboarding — complicated integration processes, limited ID matching capabilities, and opaque pricing structures. One such solution is Experian’s new Third-Party Onboarding. What sets us apart? With our digital and offline identity capabilities embedded within this solution, data providers receive superior programmatic and connected TV (CTV) reach and addressability compared to the competition. The first data providers – Adentro, Kontext, L2, and Webbula – are already using this solution to increase the adoption of their audiences and maximize their revenue. Additionally, new marketplaces are emerging that aim to fill the void left by Oracle, offering distribution to key destinations and providing data providers with continued access to advertisers who require high-quality, third-party data. Platforms shift to new audience solutions Platforms that relied on Oracle for third-party data and audience onboarding are now facing challenges in maintaining their ability to target specific audiences. This could affect their inventory's attractiveness to buyers. However, we offer a seamless solution for platforms looking to replace Oracle’s capabilities. As one of Oracle’s primary data providers, we've already mapped Oracle’s audiences to our catalog of over 2,400 syndicated audiences. Platforms can continue providing precise audience targeting and ensure advertisers receive the performance that they demand. Additionally, Third-Party Onboarding builds upon the investment and infrastructure used to distribute our own audience segments, providing platforms with audiences from leading third-party data providers. Moving forward: Embracing connectivity We're dedicated to powering data-driven advertising through connectivity. With best-in-class syndicated audiences, new Contextually-Indexed Audiences, and an easy-to-use Third-Party Onboarding solution, we're enabling advertisers, agencies, data providers, and ad platforms to improve their marketing operations. Oracle’s departure marks the end of one era, but it also opens the door to a future where collaboration, interoperability, and connectivity define the landscape. By choosing partners like us, advertisers, agencies, and platforms can ensure they remain agile, innovative, and well-equipped to thrive in this new era of data-driven marketing. Reach out to your account representative or our audience team for information about our comprehensive audience mapping and finding the right audiences for your campaigns. Download our audience lookbook to discover more about Experian’s audiences. Contact us Latest posts

It's almost the start of a new year, so it's time to plan your marketing strategy. One-third of U.S. adults planned to make a New Year's resolution in 2024, with adults under 30 being the most likely to do so. From living healthier lifestyles to traveling more often, there is an opportunity to capture customers with well-targeted messaging. But how do you know which audiences are most interested in these goals? In this blog post, we’ll reveal audience segments designed for you to reach the most relevant shoppers for your New Year’s resolutions campaigns according to shoppers' goals and resolution categories. You can find the complete audience segment name in the appendix. Start the year strong with Experian's audience insights With the New Year almost upon us, it’s the perfect time for a fresh start. Utilize Experian’s syndicated audiences to ensure your marketing messages resonate with your ideal customers. Experian’s 2,400+ syndicated audiences are available directly on over 30 leading television, social, programmatic advertising platforms, and directly within Audigent for activation within private marketplaces (PMPs). Reach consumers based on who they are, where they live, and their household makeup. Experian ranked #1 in accuracy by Truthset for key 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. Five New Year's resolution audience categories to embrace this new year There are many different types of New Year's Resolutions that people set come January 1st. Here are five common New Year's Resolutions: Healthy habits Get organized Explore new experiences Live life to the fullest New Year’s budgeteers Let's break down each resolution category and which audiences you can use to target consumers based on their New Year’s resolutions. Healthy habits A significant portion of consumers set their sights on adopting healthier lifestyles and maintaining newfound habits. Target audiences could include those who have recently purchased gym memberships and are shopping at health stores, demonstrating a commitment to their resolutions. Here are five audience segments that you can activate to target consumers focused on healthy habits in the new year: NEW! New Year's Health/Fitness/Gym Membership Shoppers NEW! Frequent Gym Goers Vitamins/Supplements Shoppers New Year's Food/Healthy Food Shoppers New Year's Vitamins/Diet Supplement Shoppers By strategically targeting these segments, your marketing efforts are more likely to resonate with those determined to make a year of lasting, healthy change. Get organized Many consumers pledge to declutter and get organized. One key target audience could consist of those who have recently purchased organizational tools or storage solutions. Additionally, consider reaching out to homeowners or individuals in the midst of a major life change, such as moving or expanding their families, as they often seek ways to simplify and organize their spaces. Here are seven audience segments that you can activate to target consumers focused on getting organized in the new year: NEW! Furniture and Home Decor: Deals Discounts Affordable High Spend Spenders Shoppers NEW! Post Holiday Shoppers Household Goods: Frequent Spenders Home Improvement/DIY: Frequent Spenders Furniture & Home Decor In Store: Frequent Spenders Garden & Landscaping Stores: Frequent Spenders Hardware & Home Improvement Stores: In Store Frequent Spenders To expand or reach new audiences, you can layer in purchase predictors to reach those who are likely to spend on home maintenance and improvement products or are expanding their families. Home Maintenance and Improvement Explore new experiences Many consumers want to embark on a journey of self-improvement by exploring new experiences, whether it's picking up a new hobby or visiting a place they've never been. One primary target audience could be vacation and leisure travelers, as they often seek new destinations and opportunities to make the most of their seasonal getaways. Additionally, sports enthusiasts are always looking to boost their outdoor adventures through fresh experiences and specialized equipment. Here are six audience segments that you can activate to target consumers focused on exploring new experiences in the new year: Play Golf Pickleball Enthusiast Wilderness Sports and Camping Enthusiasts Activities: Camping Summer Airline Travel Summer Travel: Vacation/Leisure Live life to the fullest A considerable number of individuals make resolutions aimed at embracing life to the fullest. One prime target audience includes those who have recently booked travel experiences or adventures, showcasing their commitment to exploring new horizons. Additionally, consider reaching out to individuals who are likely to visit sports stadiums and arenas. Here are seven audience segments that you can activate to target consumers focused on living life to the fullest in the new year: NEW! Budget Savvy Air Travelers Air Travel: Frequent Spenders Cruises: Frequent Spend NFL Stadium Visitors Ski Resort Visitors Vacation/Leisure Travelers: Weekend Getaways Culinary Experience To expand or reach new audiences, you can layer in purchase predictors to reach consumers who are likely to spend on travel and travel-related products. Travel New Year's budgeteers As the new year begins, many consumers are rethinking their finances and seeking smarter ways to spend and save. These audiences are focused on achieving their financial goals by utilizing budgeting tools, finding flexible payment options, and taking control of their debt. With financial wellness top of mind, they are ready to explore solutions that align with their resolution to be more financially savvy. Here are seven key audience segments that reflect the mindset of consumers eager to make 2024 a year of financial empowerment: In market for Buy Now Pay Later In market for Mortgage Refinance In market for Auto Loan Refinance Credit Card High Utilization Likely to Transfer Credit Card Balance Loyal Rewards Enthusiast, Low Credit Card Balance Secure, Savvy Credit User, High Home Equity Balance We can help you reach consumers in the new year Connect with consumers pursuing their New Year's resolutions to kick off 2025. Whether your audience seeks to embrace healthy habits, get organized, explore new experiences, budget their personal finances, or live life to the fullest, Experian Marketing Data provides a solid foundation for targeting, enrichment, and activation As we get ready for 2025, let the power of Experian’s data-driven insights guide your marketing strategies, helping consumers turn their resolutions into reality. Connect with our audience team Need a custom audience? Reach out to our audience team and we can help you build and activate an Experian audience on the platform of your choice. Additionally, work with Experian’s network of data providers to build audiences and send to an Audigent PMP for activation. 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 Contact us Appendix Here are the complete audience segment names (taxonomy path) for all audience segments discussed in this blog post. Healthy habits NEW! Retail Shoppers: Purchase Based > Seasonal > New Year's Health/Fitness/Gym Membership Shoppers NEW! Retail Shoppers: Purchase Based > Health and Fitness > Frequent Gym Goers Retail Shoppers: Purchase Based > Health and Fitness > Vitamins/Supplements: Vitamins/Supplements Retail Shoppers: Purchase Based > Seasonal > New Year's Food/Healthy Food Shoppers Retail Shoppers: Purchase Based > Seasonal > New Year's Vitamins/Diet Supplement Shoppers Get organized NEW! Retail Shoppers: Purchase Based > Home Furnishings > Furniture and Home Decor: Deals Discounts Affordable High Spend Spenders Shoppers NEW! Retail Shoppers: Purchase Based > Seasonal > Holiday Shoppers: Post Holiday Shoppers Purchase Transactions > Household Goods > Frequent Spenders Purchase Transactions > Home Improvement/DIY > Frequent Spenders Retail Shoppers: Purchase Based > Home Improvement & DIY > Furniture & Home Decor In Store: Frequent Spenders Retail Shoppers: Purchase Based > Home Improvement & DIY > Garden & Landscaping Stores: Frequent Spenders Retail Shoppers: Purchase Based > Home Improvement & DIY > Hardware & Home Improvement Stores: In Store Frequent Spenders Purchase Predictors > Shoppers All Channels > Home Maintenance and Improvement Explore new experiences Lifestyle and Interests (Affinity) > Activities and Entertainment > Play Golf Retail Shoppers: Purchase Based > Sporting Goods, Apparel > Pickleball Enthusiast Retail Shoppers: Purchase Based > Outdoor Activities > Wilderness Sports and Camping Enthusiasts Travel Intent > Activities > Camping Retail Shoppers: Purchase Based > Seasonal > Summer Airline Travel Retail Shoppers: Purchase Based > Seasonal > Summer Travel: Vacation/Leisure Retail Shoppers: Purchase Based > Travel > Vacation/Leisure Travelers: Summer Trips Live life to the fullest NEW! Retail Shoppers: Purchase Based > Seasonal > Budget Savvy Air Travelers Retail Shoppers: Purchase Based > Travel > Air Travel: Frequent Spenders Retail Shoppers: Purchase Based > Travel > Cruises: Frequent Spend Mobile Location Models > NFL Stadium Visitors Mobile Location Models > Ski Resort Visitors Retail Shoppers: Purchase Based > Travel > Vacation/Leisure Travelers: Weekend Getaways Travel Intent > Activities > Culinary Experience Purchase Predictors > Shoppers All Channels > Travel New Year’s budgeteers Financial > In Market > Buy Now Pay Later Financial FLA Friendly > In Marketing Mortgage Refinance Financial FLA Friendly > In Market Auto Loan Refinance Financial FLA Friendly > Credit Card High Utilization Financial FLA Friendly > Likely to Transfer Credit Card Balance Financial Personalities > Credit Card Financial Personality > Loyal Rewards Enthusiast, Low Credit Card Balance Financial Personalities > Home Equity Financial Personality > Secure, Savvy Credit User, High Home Equity Balance Latest posts