Marketing Solution Opportunties
These solutions will assist you in improving ROI on your marketing efforts:
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Ability to Pay Index™ (ATP) Index is a modeled scoring system that ranks households from 1 to 1,000 based on their likely economic capacity used alone or as part of models that incorporate consumer financial variables.
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Formerly Discretionary Spending Index
Affluence Index is a continuous household-based score of 1 to 1000 that ranks households by likely spending capacity and spending behaviors. It enables marketers to rank customers and prospects by estimated spending power.
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The FICO Score helps credit grantors make informed decisions, further establishing it as the most commonly used credit score in the marketplace. Aggregated FICO Scores from IXI Services harnesses that predictive power and aggregates the raw scores to create a marketing application that can better predict which consumers are most likely to respond to a particular offer.
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Measure the impact of your digital marketing
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CreditMix™ enables firms to better determine market size and their share of outstanding credit within their target markets.
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Improve your marketing ROI by creating a customizable, highly specific target list.
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Leverage existing marketing lists and insights used for offline marketing to target the same consumers online.
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Leverage valuable financial-based insights for online marketing and find more appropriate audiences and improve online targeting based on estimated consumer financial capacity, spending, investment style, behaviors, and characteristics.
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Economic Cohorts enables you to segment customers and prospects based on households' estimated economic positions (estimated total income, ability to spend, ability to pay, and likely credit capacity), in combination with the key demographic, lifecycle/lifestage, behavioral, lifestyle, and geographic attributes you expect from a leading consumer segmentation system.
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Also called Enhanced Email Append
With our email services, HWB can better engage with key audiences and deliver relevant and personalized messages to prospects and customers.
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Financial Durability Index™ is a 1-5 rating that measures a household’s likely financial resilience (5 = most financially resilient). It is a non-FCRA solution that goes beyond credit scores and overcomes limitations of thin or damaged files.
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Formerly Financial Cohorts
Financial Spectrum™ is an asset-based household segmentation system, available exclusively for IXI Network Member Firms that segments customers and prospects based on anonymous financial and behavioral characteristics. It was built in partnership with Neustar leveraging unique data insights from Equifax and Neustar's respected expertise in segmentation. Created without the use of protected class data.
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Enhance targeting with a total household income estimate, including income from assets
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InstaTouch® Offers, a customized marketing and credit offers solution, enables additional ways to connect with consumers and build loyalty through lines of credit and real-time customizable marketing firm offers.
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Investyles® provides a picture of direct-measured financial assets and specific investment tendencies for U.S. households and is available exclusively to IXI Network Member Firms.
Investyles is best used for identification of specific investment behaviors and as an input to in-house models.
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IRA Rollover Propensity Index enables financial services firms to identify and target prospects that live in geographies where new IRA rollover account openings are more likely to occur in the next 12 months. Equifax can also provide closed-loop campaign measurements.
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MarketMix™ Premier provides estimates of the total assets, assets by product category, and household penetration for defined geographic areas based on the estimated total liquid financial assets held by all U.S. households and is best used for market sizing and to determine a firm's share of the total market.
It is available exclusively for use by IXI Network Member Firms.
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MarketVision™ for Securities provides peer group analysis for financial services firms offering brokerage services and direct-marketed mutual funds. It is available to IXI Network Member Firms only.
Firms can use this product to calculate the likely size, growth, share, and change in share of any standard or customized geographic area in the U.S. It is best used for market sizing and share vs. peer group, territory and branch planning, brand and category development, and sales force management.
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OptimaHub™ allows credit and insurance marketers to measure and value the contribution of every touchpoint on the customer acquisition journey all the way to the point of conversion — from direct mail and email, to call centers, mobile ads and apps, online display ads, social platforms, and more. Using advanced people-based measurement, OptimaHub helps marketers identify less-effective channels and touchpoints and redeploy media spend where it will have a more favorable impact.
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Use Small Business Assets™ to better identify which small businesses to target in marketing campaigns and improve your marketing efforts to the millions of small businesses scattered across the country.
Available exclusively for use by IXI Network Member Firms, this product uses asset estimates to find small businesses that are the right fit for offers, tailor cross-sell/upsell efforts, improve prospecting, communicate with home-based small businesses, and enhance model performance.
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Formerly Discretionary Spending
Spending Power™ is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. Based on a foundation of anonymous, direct-measured assets, it represents a modeled dollar amount of what a household likely spends on discretionary items after accounting for the fixed expenses of life.
Spending Power can be used alone, incorporated into models where consumer spending is a factor or online with digital segments.
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WealthComplete Premier provides estimates of total assets at the household level, based on the estimated total liquid financial assets held by all U.S. households. It is available exclusively for use by IXI Network Member Firms.
WealthComplete Premier is best used for share of wallet opportunity analysis, asset allocation analysis, and targeting potential prospects in both offline and online applications.
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WalletInsights is Equifax’s interactive, web-based platform that empowers firms with customer and market intelligence based on IXI / Equifax proprietary financial, economic, and credit insights. It offers a series of modules that firms can use to address their most pressing marketing challenges, including helping firms to better understand their market position, grow customer relationships, plan, execute and measure marketing campaigns, and build customer loyalty.
