- This mission is deeply personal to me. I was born in the United States but spent my formative years in Taiwan, where credit was not part of everyday life. When I returned to the United States for college, I realized that being financially responsible did not automatically translate into having a strong credit profile. I was fortunate that credit did not stand in my way, but that uncertainty stayed with me and shaped my perspective.
- That experience fuels my passion for building tools like EVA. Financial health shapes where we live, what we can plan for, and how secure we feel. Yet managing money and credit can still feel complex or intimidating. EVA helps cut through that complexity by meeting people where they are and adapting in real time to their needs with guidance that feels clear and relevant.
- Improved targeting and personalization: Demographic segmentation powers highly customized campaigns so you can cater to different income levels, family structures, job types, and so forth. B2C brands can provide offers based on factors like age, income, and gender, while B2B brands can target by occupation to reach decision-makers.
- Better product and service development: Understanding which demographics use your product or service is a great way to inform future improvements.
- Higher engagement: With highly customized content, you can speak directly to specific demographic groups and increase engagement.
- Cost efficiency: As you target the most relevant segments, you optimize your spending around the most likely buyers and will see better returns.
- Increased conversion and retention: Relevant, targeted messaging leads to higher conversion rates, and when people feel understood, they’ll want to keep coming back.
- Clearer customer insights: Demographic data provides precise, actionable insights for refining your marketing strategy.
- Simplicity and effectiveness: Demographic insights are immediately actionable and easy to implement, which gives you a great starting point for focused campaigns
Most people who tune into the Super Bowl fall into one of three buckets – Those who watch for the love of the game Those who want to check out the halftime show entertainment And those of us, typically advertising and pop-culture geeks like myself, who tune in just for the commercials. But let’s not kid ourselves, you don’t have to be in advertising to love the commercials. After all, whether these ads make us laugh, cry or tweet, they often have a way of weaving themselves into the Monday morning water cooler talk and even our cultural fabric. As a marketer myself who is responsible for maximizing an advertising budget, I watch these $5 million dollar, 30-second spots and have a tendency to ask myself: How effective are Super Bowl campaign ads? Given that the automotive industry is a staple within the Super Bowl advertising universe, we recently leveraged our Social Media Analysis to dig a bit deeper into a handful of auto brands (Audi, Buick, Hyundai, Jeep and Toyota), all of whom had a social media component to their Super Bowl 50 campaigns. We wanted to answer the question, “Did these TV ads actually drive social media following and engagement?” Our latest findings showed all five of these brands gained more “high influencer” and active followers on their social media channels within the month after the “Big Game.” On average, the percentage of influential followers (consumers with more than 1,000 followers) increased 14.8 percent during the month after the Super Bowl, while the average number of posts for each follower increased by 35.4 percent. Successful brand marketers create campaigns that work harmoniously together across different channels to reach their intended audience. These automotive brands were able to deliver messages across television that extended into social media channels ultimately driving the benefit of the “word-of-mouth” effect. Our data and analytics capabilities help marketers identify and connectd with audiences who will spread their messages to fans and potential customers. The result: these Super Bowl advertisers saw higher engagement and increased brand awareness. The automotive Super Bowl commerical enthusiast is … Developing a cross-channel campaign is only half the battle. Marketers still need to understand who is engaging with their brand after they’ve clicked the ‘Follow’ button. Our anlaysis revealed consumers who interacted with these automotive campaigns were 1.3 times more likely to be male, and nearly 60 percent fell between the ages of 26 and 50. Moreover, 13.3 percent had children between the ages of 16 and 18. Not surprisingly, these consumers were more likely to follow particular brand categories than the general population. 60 times more likely to follow Auto Brands 04 times more likely to follow Auto Service Providers 56 times more likely to follow Consumer Electronics Stores This tech-saavy, car enthusiast audience was also more likely to follow these types of social media handles than the average user. 10 times more likely to follow Sports Organizations 64 times more likely to follow Sports Media Companies 52 times more likely to follow Magazine Brands Other findings that popped in our recent analysis included: Consumers who engaged with these automotive brands on social media the month after the Super Bowl were 1.56 times more likely to reside in Michigan. More than 37 percent of these consumers had an average income between $50,000 and $99,999. The social media handles for the television shows these consumers were more likely to follow, included Top Gear, 60 Minutes and Baseball Tonight. Perhaps these programs would be great places for the auto brands to continue the conversation with current fans and potential customers. Marketers plan for the future Just as each consumer is unique, so is the trail of social media data they leave behind. Social media provides many consumers the venue to freely express their opinions and preferences. We help marketers tap into this data, and gain a remarkable view into who their customers are, the things they care about and how they behave. It’s that level of insight that enables marketers to optimize their content, plan better targeted campaigns in the future, and reach customers in a meaningful way. Much like any marketing effort, the current blue print to a successful Super Bowl campaign has been set. Create and deliver highly personalized messaging that resonates with consumers across a number of channels and encourages them to take an action, whether it’s purchase a product or share on social media. And finally, measure the results. It’s a lot easier to make that multi-million dollar advertising investment when you know the ROI is there. The brand marketers who follow the “game plan” can position themselves for their own Super Bowl win. To view the full press release, visit https://www.experianplc.com/media/news/2017/super-bowl-social-media/.
Using Data to Quickly Identify Hospital Patients that Qualify for Financial Assistance #ExperianStories
Data & AnalyticsI’m an Experian Health Training Manager. I get to meet with healthcare organizations and teach them how to use our Financial Assistance Screening tool, which helps them easily and cost-effectively determine which patients qualify for financial assistance. I didn’t expect to interact directly with patients as part of my job, but I did – and the experience moved me. Recently, a client started using our automated tool, so I went to Colorado to train their financial counselors on how the product worked and help them understand the data so they could begin to use the tool with their patients. But then I was asked if I wanted to see the tool in action. Nothing could have prepared me for the experience of interacting directly with a patient who benefited from this tool – a woman who seemed visibly shaken when the financial counselor and I first met her in one of our client’s medical centers. After the financial counselor explained why we were there, she began to work her way down a list of questions prompted by Experian’s tool, asking about the patient’s annual income, household size and disabilities. After two minutes of questioning, the counselor hit “save” on the responses, and immediately the results came up on the screen. “Good news – you qualify for a 100 percent discount through our Medical Financial Assistance program,” the counselor said. “Your medications, stay and follow-up visits will all be covered.” The patient had trouble processing this information at first. “Are you telling me that now I can focus on getting better, and I don’t have to think about my medical bills?” This realization brought her to tears of relief. Her time in the waiting room had been plagued with thoughts of how she couldn’t afford her hospital stay, despite how much she needed medical attention. With our help, those thoughts were put to rest. With Experian’s tool, patients like this woman no longer need documents to prove their annual income. And healthcare providers don’t need to manually calculate whether and how they can provide financial support. After our meeting with this patient, the financial counselor told me she was so moved she was shaking. “It is inspiring to so tangibly be able to help our patients,” she said. I agree. I’m glad that through data, I’m helping healthcare organizations give patients financial peace of mind when they need it most. Read more #ExperianStories from our colleagues around the world.
Protecting Consumers from Identity Theft & Fraud with Credit Monitoring App #ExperianStories
Experian StoriesI lead Experian’s EMEA Procurement team, where I work with Experian’s offices around the world when they begin implementing new projects or product ideas. I was recently asked to work alongside Experian’s Consumer Business in the United Kingdom as they prepared to launch Experian’s CreditExpert companion app. They wanted to enable consumers to access their credit reports on a mobile device, while also being able to access personalized tips on how to improve credit scores. The part of this project that I found most critical, however, was the app’s built-in web monitoring tool that proactively protects consumers’ online identities from fraud. Protection of personal data is a hot topic in the big data industry. As my team and I worked through the challenges associated with protecting our customers from identity theft and fraud, we brought in experts from other Experian functions — like our security team — to assess the tools we were using and help us put proper measures and protocols in place that would enable us to protect consumers using the app. With the launch of this new app, we can catch cases of fraud the moment they occur. So, if someone steals an individual’s information to take out a loan or a mortgage in their name, we send out an alert right away to the affected individual, encouraging them to log on to the application to review their account activities. If fraud has occurred, the app takes the hassle out of the equation for consumers. Our team will investigate the incident on their behalf. I am proud to work for a company that continuously develops new products and services to help consumers better understand their credit and to keep their financial futures and identities safe. Read more #ExperianStories from our colleagues around the world.
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Having a diverse workforce is vital to help us innovate and deliver on the needs of our increasingly diverse clients and consumers. Over the years, we’ve made some great progress, but there’s so much more we can do and it’s going to take the collective effort of all of us to continue to move the needle. That’s why we’re gearing up to celebrate International Women’s Day (IWD). It’s a day celebrated in many countries around the world to recognize the achievements of women and drive equality among men and women. At Experian, IWD activities are extending throughout the month of March. Have a look at what’s going on around the world as Experian celebrates this important day: Asia Pacific The Asia Pacific region is hosting a range of activities across our offices in March, which will include round-table and speaker events as well as an opportunity to network and pledge their support for IWD. EMEA and UK&I EMEA and UK&I are joining together for IWD to support and celebrate diversity and inclusion. The week started with a video of employees from both regions reflecting on what diverse teams bring to our business. Employees will also be invited to a variety of events to engage and network with inspirational women and hear stories from our leaders on what diversity means to them personally. Latin America Throughout the month of March, Latin America has been running a campaign to share stories of achievements in their region and raise awareness about breast cancer prevention and other diseases more common in women. On IWD, there will be a panel of women leaders who will address issues such as the social inclusion of women in the region, women’s participation in the labor market, Experian’s commitment to female leadership and the importance of a work/life In Brazil, IWD is kicking off with a presentation by members of the United Nations to present their 50-50 Gender Equality program (which aims to eliminate gender inequalities by 2030) and how they are working with companies around the world to achieve this vision. Employees will have an opportunity to hear from leaders in our business about diversity and inclusion plans for the region, and listen to a panel of external speakers discuss diversity challenges and career development. North America Our employees in North America will be kicking off the week with celebrations across their ITS’ 13 offices in the region. Each office will have daily activities throughout the week, and all employees – including virtual and those based in smaller offices – will be invited to attend webinars focused on Diversity and Inclusion topics. On IWD, there will be panel discussions with senior leaders who will speak on various career development topics. To close out the week, there will be a special Book Club discussion on March 9. We will continue to update this blog post all week with pictures and other ways we’re celebrating IWD. Bookmark this page and come back.
How Experian Helps to Connect with Companies all Over the World #ExperianStories
APAC – Asia PacificI work at SEGA, a global games company. I first met Nakamura-san, my contact at Experian, about eight or nine years ago. I remember telling him at the time that I was a little sceptical of credit report and analytic companies – I thought they were either too expensive or their reports weren’t detailed enough. However, a year later I needed help from a company like Experian, and I thought I’d put them to the test. My team and I were starting to communicate with overseas markets, to work with companies around the world. So, I phoned Nakamura-san. It was a business negotiation, so I had my poker face on – I played the usual mind games you have to, insinuating that if Experian did this job well then our company might be able to offer them even more business in the future. Safe to say, they passed the test. We’ve been building a really positive relationship with Experian for the last eight years. We’re working with companies in Hong Kong, Taiwan and London at the moment. To work with them, we need information – for instance, we need to know if they’re actually located where they say they are. Even if a company gives us an address, it’s always possible that it operates from a different country – we’ve all heard about companies and their tax havens. When we have these questions, Nakamura-san and his team at Experian collect and analyse data on these companies, and give us very thorough information – breaking it all down and explaining everything to us really clearly. It’s really difficult to get the rich, detailed analysis of data you need, but Experian provides us much better data than any of our previous credit research companies managed to. They consult with us, and help us use this data to get our business to a better place. I’m very grateful for it – they’ve added great value to our business. Mr. Shinji Mutazono, Team Manager, SEGA Group Companies Finance Department, SEGA Holdings CO., Ltd.
In Malaysia, nearly 280,000 people live without electricity. By volunteering with the Liter of Light program, we’re bringing solar panel lights to remote villages, transforming the quality of life and brightening the darker hours for families. In Malaysia, more than 1 percent of the population lives without electricity – one of life’s basic necessities – which equates to nearly 280,000 people living in darkness after the sun goes down. Some people have never had electricity in their life, making simple tasks like cooking or reading nearly impossible after dark. I wanted to change that. My day job is to support and enable individuals within Experian to pursue various career opportunities, but what I’m most passionate about is the way Experian helps me invest in my local community through the Heart of Experian Corporate Social Responsibility program. This year, my team and I had the chance to collaborate with Liter of Light (LOL) – a global, grassroots movement committed to providing affordable, sustainable solar light to people with limited or no access to electricity. In February, we joined one of their projects to install 60 solar street lights in the village of Orang Asli, an indigenous community in the Cameron Highlands. Over the span of two days in February, a group of 30 Experian volunteers built and installed the solar panel lights. On the first day, the LOL team taught us how to build the panels, teaching us the skills needed to cut wire, assemble PVC pipes and drill holes. The second day, we rode in Jeeps through muddy roads and a three-foot deep river to reach the village. We spent hours unloading the lights and assembling the panel boxes, plotting the village maps and identifying the right spots to install the solar panel lights. I was happy to see some of the local villagers’ curiosity and participation throughout the day. Some helped us assemble the lights while others prepared the right spots for installation by building bamboo stands. The weather was kind to us, so by 5 p.m., nearly all the lights were installed – just before dark! After completing all the hard work, our team recorded a group video using a drone that all of the Orang Asli children chased after. Thanks to our service project providing light to a village in darkness, 150 villagers in Orang Asli will now have more productive, higher-quality lives during the dark hours of the day. I’m so glad I got to play a role in that.