Marketing success can sometimes come in the most unlikely of combinations — reminiscent of a great chef crafting a delicious dish from ingredients rarely used together. In advertising, this type of outside-the-box thinking can give you a competitive advantage over peers who are operating within the normal limits. In this blog post, we will explore how both financial and non-financial advertisers can use consumer financial marketing data in their ad campaigns to connect with the right consumers. This type of strategic thinking will make campaigns more effective, resonate more deeply with audiences, and turn your chicken into coq au vin.
Background on Financial Audiences
FMCG Direct, a Deluxe company, in partnership with Experian, has developed financial audiences that deeply understand consumer financial behavior. These audiences are not just static lists of potential customers but are constantly updated to provide a multi-dimensional view of consumer financial habits, including investing, borrowing, credit card preferences, and more. Central to this effort are Consumer Financial Insights®, Financial Personalities® and ConsumerSpend® models. These tools are built utilizing a combination of FMCG Direct, a Deluxe company in-depth consumer research, sophisticated clustering techniques, and Experian’s extensive consumer marketing data.
FMCG Direct, a Deluxe company financial audience segments
The Financial Personalities® segments categorize consumers based on their financial behaviors and preferences, dividing them into distinct categories such as insurance, credit card usage, and investment habits. This allows for a targeted approach considering each consumer’s unique financial behavior and potential needs.
Meanwhile, Consumer Financial Insights® segments offer a detailed and tiered view of a consumer’s economic status, including insights into household deposits, investable assets, net assets, and the likelihood of mortgage refinancing, all categorized into specific tiers to reflect varying levels of wealth and investment.
Lastly, ConsumerSpend® segments provide a look at how and where a household allocates their disposable income. Broken up by nine unique categories, marketers can better understand where people are spending their money each year.
These predictive segments are built through extensive research, surveying over 25,000 consumer households across the United States. Each household’s financial profile encompasses a wide array of data points, such as total household assets, deposit balances, and investable assets.
The result? A granular understanding of consumer financial behaviors, which marketers can use to tailor their financial services offerings. However, the potential applications of these insights extend far beyond the confines of financial products and services.
Here are some ideas to help you get started.
Advertising campaigns for travel and leisure
Launch campaigns that precisely cater to different consumer segments’ unique financial personalities and spending behaviors.
- Credit Card Financial Personality: Launch digital ads for luxury travel experiences tailored to consumers known for extensive credit card usage in travel, capitalizing on their affinity for high-end leisure activities.
- Deposits (Bank) Financial Personality: Implement advertising campaigns for budget-friendly travel options tailored to consumers with modest bank deposits and prudent spending habits. These ads could highlight affordable vacation packages, discount travel deals, and value travel bundles, catering to those prioritizing cost efficiency and practical travel solutions.
Ideas focusing on home improvement and decor
Craft advertising campaigns aimed at audiences with modest net worth, using insights into their financial profiles to promote accessible and essential products and services.
- Net Asset Score (Lower Tiers): Develop ad campaigns for cost-effective home improvement services and budget-friendly home appliance options, targeting consumers whose net asset scores indicate more modest financial resources. These ads should highlight the products’ durability and energy efficiency, appealing to the consumers’ need for long-term savings.
- Discretionary Spend – Home Furnishing: Design ad campaigns for upscale home furnishing collections, targeting audiences with significant discretionary spending power. These ads should spotlight your home furnishings’ premium quality, sophisticated design, and superior craftsmanship, appealing to consumers’ tastes for luxury and exclusivity.
Campaigns for consumers in entertainment
Execute targeted advertising campaigns designed for consumers with high disposable income, utilizing insights from their net asset and investable asset scores.
- Net Asset Score (Higher Tiers): Launch advertising campaigns for premium entertainment experiences, including exclusive concert seats, backstage passes, and custom festival packages. Target consumers whose net asset scores suggest significant disposable income to ensure your promotions reach the most likely attendees.
- Discretionary Spend — Entertainment: Design advertising campaigns for high-profile music and entertainment events, focusing on individuals known for their significant expenditures on entertainment. Create promotions that resonate with their lifestyle, emphasizing the connection between a vibrant social life and exclusive entertainment opportunities.
As you can see by understanding and utilizing the nuances of financial data, advertisers can create highly targeted, relevant, and effective campaigns across various sectors. This approach exemplifies the innovative spirit of audience usage, proving that with a bit of creativity, data applications are as limitless as our imagination.
Financial Personalities and Consumer Financial Insight audiences and their in-platform names
Find these syndicated audiences in your demand and supply-side platform of choice.
- Insurance financial personality – Audiences to help understand a consumer’s behavior and confidence in their ability to find the right life insurance.
- Financial Personalities > Insurance Financial Personality
- Financial Personalities > Insurance Financial Personality
- Credit card personality– Used to identify consumers based on their credit card usage and behaviors.
- Financial Personalities > Credit Card Financial Personality
- Financial Personalities > Credit Card Financial Personality
- Deposits financial personality– These audiences include consumers who are likely to look for bank offers based on their spending behaviors.
- Financial Personalities > Deposits Financial Personality
- Financial Personalities > Deposits Financial Personality
- Investments financial personality– Audiences to help understand a consumer’s comfort and behaviors with making financial investments.
- Financial Personalities > Investments Financial Personality
- Financial Personalities > Investments Financial Personality
- Home equity financial personality– Audiences to help understand a consumer’s home equity circumstances and behaviors.
- Financial Personalities > Home Equity Financial Personality
- Financial Personalities > Home Equity Financial Personality
- Mortgage financial personality– Audiences to help understand a consumer’s behavior and preferences with mortgages.
- Financial Personalities > Mortgage Financial Personality
- Financial Personalities > Mortgage Financial Personality
- Investable assets (FLA/Fair Lending Friendly)*– Audiences that include consumers who have available investable assets in seven total tiers with Tier 1 being the highest, and Tier 7 being the lowest.
- Consumer Financial Insights > Investable Assets
- Consumer Financial Insights > Investable Assets
- Net asset score (FLA/Fair Lending Friendly)– Predict a consumers likely net asset score ranging from less than $25,000 to over $5,000,000.
- Consumer Financial Insights > Net Assets Score (Net Worth)
- Consumer Financial Insights > Net Assets Score (Net Worth)
- Discretionary spend– Predicts the annual discretionary spend for the category listed in the audience.
- Consumer Financial Insights > Discretionary Spend – Travel
- Consumer Financial Insights > Discretionary Spend – Jewelry
- Consumer Financial Insights > Discretionary Spend – Home Furnishings
- Consumer Financial Insights > Discretionary Spend – Entertainment
- Consumer Financial Insights > Discretionary Spend – Electronics
- Consumer Financial Insights > Discretionary Spend – Education
- Consumer Financial Insights > Discretionary Spend – Donations
- Consumer Financial Insights > Discretionary Spend – Dining Out
- Consumer Financial Insights > Discretionary Spend – Total
- Consumer Financial Insights > Discretionary Spend – Clothing/Apparel
- Household deposits/balances (FLA/Fair Lending Friendly)– Audiences that include households that have bank deposits balance in six total tiers with Tier 1 being the highest, and Tier 6 being the lowest.
- Consumer Financial Insights > Household Deposits/Balances
- Consumer Financial Insights > Household Deposits/Balances
- Investment Balances (FLA/ Fair Lending Friendly)– Audiences that include consumers who have an investment balance in six total tiers with Tier 1 being the highest, and Tier 6 being the lowest.
- Consumer Financial Insights > Investment Balances
- Consumer Financial Insights > Investment Balances
- Mortgage refinance (FLA/Fair Lending Friendly)– Predicts the likelihood the consumer is to refinance their mortgage.
- Consumer Financial Insights > Mortgage Refinance
- Consumer Financial Insights > Mortgage Refinance
Footnote
* “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.
Latest posts
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Aliquam vitae nibh eu massa cursus eleifend quis in quam. Nunc mollis aliquam eros sed laoreet. Suspendisse et elit ut metus elementum aliquet ut sit amet metus. Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia curae; Pellentesque fringilla, nibh eget convallis scelerisque, nisl nisl vestibulum ipsum, sit amet placerat neque nunc eget nisi. Cras cursus, sapien non interdum mollis, nibh augue efficitur eros, eget congue tellus nulla id lectus. Nullam vestibulum vitae erat sit amet mollis. Sed gravida tortor nec nibh blandit ultrices. Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas. Nam justo lectus, tempus a velit at, tempus malesuada est. Aenean dictum tellus id lorem venenatis, quis sodales nisl tempus. In quis libero id est rhoncus dictum. Praesent ipsum dui, mattis vel augue ut, lacinia ultricies ex. Suspendisse sit amet gravida purus. Vivamus tempus tellus augue, ac placerat arcu efficitur non. Nam auctor at nulla sed porta. Vivamus lobortis eu nunc a efficitur. Vestibulum condimentum ante nec nisi imperdiet vulputate. Duis varius metus ac est fermentum congue. Aenean tincidunt ut erat non pharetra. Nulla elit orci, semper sed porttitor ac, convallis vitae velit. Praesent egestas blandit ullamcorper. Praesent a porta lectus. Aliquam et pellentesque lectus. Integer placerat mauris risus, ut semper dui commodo at. Vivamus efficitur pharetra ligula id rhoncus. Pellentesque gravida purus vitae viverra luctus. Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia curae; In vitae augue nec odio fermentum ultrices a sed libero. Nulla ullamcorper nulla id sagittis convallis. Pellentesque cursus metus et orci iaculis, non laoreet nisi aliquam. Proin porta velit risus, ac ultricies lectus tincidunt at. Pellentesque scelerisque ullamcorper euismod. Phasellus eget velit malesuada, faucibus enim a, ultrices ante. Morbi ut diam non metus interdum placerat gravida quis arcu. Integer ultricies molestie nulla sed convallis. Curabitur mi dui, aliquam vel nibh rutrum, convallis tempor lacus. Cras porttitor laoreet varius. Ut tincidunt massa congue mauris lobortis euismod. Pellentesque a odio ut est consequat tristique ut in mi. Nullam sed ultricies justo, eu varius eros. Nunc ipsum nulla, vehicula at sagittis a, ornare ut nisi. Aenean imperdiet felis at aliquet porta. Nunc sed leo ut justo efficitur aliquet. Sed et urna vel urna maximus laoreet. In facilisis porttitor nisi in sagittis. Fusce magna sapien, molestie ac maximus eu, tincidunt sit amet massa. Praesent non mauris metus. Aliquam dapibus sit amet tortor at scelerisque. Ut vel dolor at nisi rhoncus finibus auctor non velit. Integer pellentesque venenatis diam, nec eleifend ipsum pellentesque quis. Vivamus vitae mi nisl. Curabitur lectus orci, ornare et ipsum venenatis, sagittis blandit mauris. FAQs Lorem ipsum dolor sit amet, consectetur adipiscing elit. Aliquam vitae nibh eu massa cursus eleifend quis in quam. Nunc mollis aliquam eros sed laoreet. Suspendisse et elit ut metus elementum aliquet ut sit amet metus. Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia curae; Pellentesque fringilla, nibh eget convallis scelerisque, nisl nisl vestibulum ipsum, sit amet placerat neque nunc eget nisi. Cras cursus, sapien non interdum mollis, nibh augue efficitur eros, eget congue tellus nulla id lectus. Nullam vestibulum vitae erat sit amet mollis. Sed gravida tortor nec nibh blandit ultrices. Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas. Nam justo lectus, tempus a velit at, tempus malesuada est. Aenean dictum tellus id lorem venenatis, quis sodales nisl tempus. In quis libero id est rhoncus dictum. Praesent ipsum dui, mattis vel augue ut, lacinia ultricies ex. Suspendisse sit amet gravida purus. Vivamus tempus tellus augue, ac placerat arcu efficitur non. Nam auctor at nulla sed porta. Vivamus lobortis eu nunc a efficitur. Vestibulum condimentum ante nec nisi imperdiet vulputate. Duis varius metus ac est fermentum congue. Aenean tincidunt ut erat non pharetra. Nulla elit orci, semper sed porttitor ac, convallis vitae velit. Praesent egestas blandit ullamcorper. Praesent a porta lectus. Aliquam et pellentesque lectus. Integer placerat mauris risus, ut semper dui commodo at. Vivamus efficitur pharetra ligula id rhoncus. Pellentesque gravida purus vitae viverra luctus. Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia curae; In vitae augue nec odio fermentum ultrices a sed libero. Nulla ullamcorper nulla id sagittis convallis.
In our Ask the Expert Series, we interview leaders from our partner organizations who are helping lead their brands to new heights in AdTech. Today’s interview is with Ben Smith, VP of Product, Data Products at Infillion. Adapting to signal loss What does the Experian–Infillion integration mean for advertisers looking to reach audiences as signals fade? As cookies and mobile identifiers disappear, brands need a new way to find and reach their audiences. The Experian integration strengthens Infillion’s XGraph, a cookieless, interoperable identity graph that supports all major ID frameworks, unifying people and households across devices with privacy compliance, by providing a stronger identity foundation with household- and person-level data. This allows us to connect the dots deterministically and compliantly across devices and channels, including connected TV (CTV). The result is better match rates on your first-party data, more scalable reach in cookieless environments, and more effective frequency management across every screen. Connecting audiences across channels How does Experian’s Digital Graph strengthen Infillion’s ability to deliver addressable media across channels like CTV and mobile? Experian strengthens the household spine of XGraph, which means we can accurately connect CTV impressions to the people and devices in that home – then extend those connections to mobile and web. This lets us plan, activate, and measure campaigns at the right level: household for CTV, and person or device for mobile and web. The outcome is smarter reach, less waste from over-frequency, and campaigns that truly work together across channels. The value of earned attention Infillion has long championed “guaranteed attention” in advertising. How does that philosophy translate into measurable outcomes for brands? Our engagement formats, such as TrueX, are based on a simple principle: attention should be earned, not forced. Viewers choose to engage with the ad and complete an action, which means every impression represents real, voluntary attention rather than passive exposure. Because of that, we consistently see stronger completion rates, deeper engagement, and clearer downstream results – like lower acquisition costs, improved on-site behavior, and measurable brand lift. To take that a step further, we measure attention through UpLift, our real-time brand lift tool. UpLift helps quantify how exposure to a campaign influences awareness, consideration, or purchase intent, providing a more complete picture of how earned attention translates into business impact. Creative innovation and location insights Beyond identity resolution, what are some of Infillion’s capabilities, like advanced creative formats or location-based insights, that set you apart in the market? One key area is location intelligence, which combines privacy-safe geospatial insights with location-based targeting through our proprietary geofencing technology. This allows us to build custom, data-driven campaigns that connect media exposure to real-world outcomes – like store visits and dwell time – measured through Arrival, our in-house footfall attribution product. We also build custom audiences using a mix of zero-party survey data, first-party location-based segments, and bespoke audience builds aligned to each advertiser’s specific strategy. Then there’s creative innovation, which is a major differentiator for us. Our high-impact formats go beyond static display, such as interactive video units that let viewers explore products through hotspots or carousels, rich-media ads that feature polls, quizzes, dynamic distance, or gamified elements, and immersive experiences that encourage active participation rather than passive viewing. These creative formats not only capture attention but also generate deeper engagement and stronger performance for a variety of KPIs. Future ready media strategies How does Infillion’s ID-agnostic approach help brands future-proof their media strategies amid ongoing privacy and tech changes? We don’t put all our eggs in one basket. XGraph securely unifies multiple durable identifiers alongside our proprietary TrueX supply to strengthen CTV household reach. This agnostic design allows us to adapt as platforms, regulations, and browsers evolve – so you can preserve reach and measurement capabilities without getting locked into a single ID or losing coverage when the next signal deprecates. Raising the bar for media accountability Looking ahead, how is Infillion evolving its platform to meet the next wave of challenges in audience engagement and media accountability? From an engagement standpoint, we’re expanding our ability to support the full customer journey, offering ad experiences that move seamlessly from awareness to consideration to conversion. That includes smarter creative that adapts to context, intelligent targeting and retargeting informed by real data, and formats designed to drive measurable outcomes rather than just impressions. When it comes to accountability, we’re ensuring that measurement is both flexible and credible. In addition to our proprietary tools, we partner with leading third-party measurement providers to validate results and give advertisers confidence that their investment is truly performing. Within our DSP, we emphasize full transparency and log-level data access, ensuring advertisers can see exactly what’s happening on every impression. All of this builds toward the next era of agentic media buying – one enabled by our MCP suite and modular, component-based tools. This evolution brings greater accountability and next-generation audience engagement to an increasingly automated, intelligent media landscape. Our goal is to help brands connect more meaningfully with audiences while holding every impression – and every outcome – to a higher standard of transparency and effectiveness. Driving impact across the funnel What is a success story or use cases that demonstrate the impact of the Experian–Infillion integration? We recently partnered with a national veterans’ organization to raise awareness of its programs for injured or ill veterans and their families. Using the Experian integration, we combined persistent household- and person-level identifiers with cross-device activation to reach veteran and donor audiences more precisely across CTV, display, and rich media. The campaign achieved standout results – industry-leading engagement rates, a 99% video completion rate, and measurable lifts in both brand awareness (3.6 % increase) and donation consideration (13.7% lift). It’s a clear example of how stronger identity and smarter activation can drive meaningful outcomes across the full funnel. Contact us Identity resolution FAQs Why is identity resolution critical for CTV and cross-channel campaigns? Identity resolution ensures accurate connections between devices, households, and individuals. Experian's Offline Identity Resolution and Digital Graph strengthen these connections for improved targeting and consistent measurement across CTV, mobile, and web. What strategies help address the loss of cookies and mobile IDs? Solutions like Experian's Digital Graph enable brands to connect first-party data to household and person-level identifiers, ensuring scalable reach and compliant audience targeting legacy signals fade. How can engagement translate into measurable results? Focusing on earned attention (where audiences actively choose to engage) leads to stronger completion rates, improves on-site behavior, and drives measurable increases in brand awareness and consideration. What makes cross-channel targeting more effective? By linking CTV impressions to households and extending those connections to mobile and web, Experian's identity solutions ensure campaigns work together seamlessly, reducing over-frequency and improving overall reach. About our expert Ben Smith VP Product, Data Products, Infillion Ben Smith leads Infillion’s Data Products organization, delivering identity, audience, and measurement solutions across the platform. Previously, he was CEO and co-founder of Fysical, a location intelligence startup acquired by Infillion in 2019. About Infillion Infillion is the first fully composable advertising platform, built to solve the challenges of complexity, fragmentation, and opacity in the digital media ecosystem. With MediaMath at its core, Infillion’s modular approach enables advertisers to seamlessly integrate or independently deploy key components—including demand, data, creative, and supply. This flexibility allows brands, agencies, commerce and retail media networks, and resellers to create tailored, high-performance solutions without the constraints of traditional, all-or-nothing legacy systems. Latest posts
Kevin Dunn shares his thoughts after 30 days as Experian’s new Chief Revenue Officer.