The online marketplace is constantly evolving and changing. Keeping up with consumer preferences is a big challenge for today's financial services marketers. Demographic and behavioral targeting alone just hasn't been working, leaving institutions wrestling with low ROI and high CPAs. Download this complementary paper for a fresh perspective on today's toughest questions about acquiring creditworthy customers online: What's the most effective allocation of digital marketing dollars? How can financial institutions optimize ad spend to reach prime online prospects? How can you maintain good relationships with consumers who don't yet qualify for credit?