IXI Digital

More reliable consumer financial and economic insights for online marketing

IXI Digital Targeting Options

Unique Financial and Propensity Measures for Online Marketing

For over 20 years, IXI has been providing marketers industry-leading segmentation systems and measures of anonymous, aggregated consumer financial capacity, spending, investment style, behaviors, and characteristics. IXI’s digital product suite allows clients to leverage these same valuable insights online.

Online marketers use IXI’s digital products* to:

  • Increase their ability to differentiate online visitors real-time
  • Reach more visitors with the desired financial profile and propensities for their products and services
  • Serve the right offer with the right message and creative based on visitors’ likely financial position and purchase tendencies

*We build our Digital products at an aggregated neighborhood level rather than a household or individual level. This means only anonymous, aggregated data is used. IXI’s digital products neither incorporate nor reveal any personally identifiable information.

Target by Wealth

WealthComplete Digital WealthComplete Digital enables online marketers at financial institutions to target online visitors based on an estimate of consumers’ household-level total asset wealth and total deposit wealth while maintaining user privacy. It is comprised of two measures that estimate total household assets up to $25 million+ in 17 tiers and total household deposits up to $250,000+ in 8 tiers.

Target by Investment Tendencies and Propensities

Advice-Oriented Investors Households likely to have a high percentage of investments/assets driven by institutions where investment advice is given to customers. Examples include full-service brokerage firms and annuity firms.
Self-Directed Investors Households likely to have a high percentage of either investments/assets driven by institutions that provide little advice or investment types that traditionally are not provided though financial expert advice. Examples of assets in this category include investments through discount brokers for direct retail customers and investments through no-load fund groups for direct-retail customers.
IRA Investors Households likely to have a higher than average percentage of investments in retirement accounts and are prone to continue contributing to retirement accounts. The type or retirement accounts included in this measurement are Rollover, Roth, Educational, and Regular IRAs, as well as Annuity products.
Mutual Fund Investors Households likely to actively invest in mutual funds, with a high percentage of their assets in those financial instruments. These include equity-oriented mutual funds, open-end funds with capital appreciation, and funds with international, sector or hybrid/asset-allocation investment objectives.
Individual Stock Investors Households likely to invest in individual stocks, with a high percentage of their assets in those equities. This would exclude assets in mutual funds, exchange traded investment trusts, and futures and options.
CD Investors Households likely to actively invest in Certificates of Deposit, with a high percentage of their assets in these instruments.
Fixed-Income Investors Households likely to have a high propensity for investment in individual debt instruments, debt-oriented funds and trusts as well as cash balances. These investments include bonds, notes, cash, margin balances and money-market funds.
High-Risk Investors Households likely to invest in more aggressive and riskier financial investments, including individual NASDAQ stocks, individual high-yield bonds, and open-end mutual funds with aggressive growth objectives, high-yield income, and foreign/global exposure.
Discount Brokerage Investors Households likely to have a high percentage of investments/assets driven by discount brokerage firms.
Active Traders Households likely to have significantly higher average number of investment activities than the normal consumer.
Sophisticated Investors Households likely to have a propensity for investing in margins, options and short positions and stronger than average tendency to invest in those areas going forward.

Target by Retail Banking Propensity Segments

High Net Worth Target population whose estimated investable assets are likely to be $1MM+.
Mass Affluent Target population whose estimated investable assets are likely to be between $100k and $1MM.
High Deposits Target population likely to have $50k+ in deposits.
CD Investors Households likely to actively invest in Certificates of Deposit, with a high percentage of their assets in these instruments.
MMDA Investors Target population most likely to have investments in money market deposit accounts.
Young and On the Road to Wealth Target population whose estimated age and income indicate a likelihood of high future net worth.
Active Debit Card Users Target population whose estimated monthly usage of debit cards exceeds the U.S. average for active debit card users. Built using IXI’s Financial Cohorts.
Active Online Bill Payers Target population whose regular use of online bill payment is estimated to exceed the U.S. average for online bill payment users. Built using IXI’s Financial Cohorts.
Mass Market and Mass Affluent Checking Target Mass Market and Mass Affluent population most likely to have a checking account. Likelihood is based on total estimated wealth and likelihood of currently having a checking account with a minimum required balance.
High Checking Account Balance Target population most likely to have at least $10k in a checking account.

Target by Mortgage Segments

Ready to
Re-Finance – Jumbo Loan
Target population likely to have current mortgage on file, whose home value is estimated to be greater than $400,000, and who is likely to engage in a new or refinanced mortgage based on an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire new credit.
Ready to
Re-Finance – Conventional Loan
Target population likely to have current mortgage on file, whose home value is estimated to be less than $400,000, and who is likely to engage in a new or refinanced mortgage based on an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire new credit.
Likely HELOC Customer Target population likely to engage in a home equity line of credit based on an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire a new home equity line of credit.
Likely New Mortgage Customer Target population with no mortgage on file likely to engage in a new mortgage based on an estimated credit profile similar to those who have a demonstrated, statistical propensity to acquire a new mortgage.
Optimum Mortgage Target Target population likely to be an attractive mortgage prospect based on estimated total income, including income from investments.
Reliable Mortgage Payers Target population with a likely lower risk for delinquency based on their estimated ability to pay their mortgage accounts.

Target by Income, Spending and Ability to Pay

Income360 Digital Income measures are pervasive but they are not all created equal. Income360 Digital provides a powerful estimate of your prospects’ and customers’ total household income, while maintaining user privacy. It estimates average household income in 11 ranges up to $250,000+. It is superior to other income measures because it factors in income generated from assets and is based on directly measured data rather than survey data.
DS$ Digital (Discretionary Spending Dollars Digital) Income data is often used by marketers to identify the spending capacity for a given household. But it neglects consumers’ financial commitments and ignores consumers’ discretionary spending. DS$ Digital is an estimate of a household’s spending after accounting for the fixed expenses of life (housing, utilities, public transportation, personal insurance and pensions). IXI’s discretionary spending estimates are organized in 9 differentiating ranges.
Ability to Pay (ATP) Digital ATP Digital ranks online consumers based on their expected ability to pay their financial obligations. It provides estimates of average household ability to pay financial obligations in 4 tiers.

Target by Financial and Economic Behaviors

Financial Cohorts Digital Financial Cohorts Digital is an asset-based household segmentation system that segments households based on IXI’s proprietary measures of assets, total income, discretionary spending, and credit use. Clients use Financial Cohorts Digital to better understand the estimated financial and behavioral characteristics of households in their target clusters in order to increase the relevance and effectiveness of marketing efforts. There are 61 Financial Cohorts clusters.
Economic Cohorts Digital Economic Cohorts Digital is an economic-based household segmentation system that segments households based on households’ economics, including estimates of total income, discretionary spending, and credit usage. Economic Cohorts’ 71 clusters allow marketers to better understand the economic and behavioral characteristics of households in their target clusters in order to increase the relevance and effectiveness of marketing efforts.

Target by Insurance Propensity Segments

Auto Insurance Target Target population of attractive auto insurance prospects based on their estimated financial profile and predicted credit behaviors.
Likely to Respond to Auto Insurance Offer Target population likely to engage in a new auto insurance offer based on life events and an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire new auto insurance.
Optimum Auto Insurance Target Target population with a likely lower expected loss ratio for auto insurers. Powered by FICO’s aggregated auto insurance score for “preferred” auto prospects.
Likely to Respond to Home Insurance Offer Target population likely to be responsive to a home insurance offer because they are likely to have recently moved into a new property within the last month or have an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire a new home.
High Premium Life Insurance Target Target population likely to carry higher than average life insurance premiums.
Multiple Policy Prospects Target population predicted to be more responsive to an offer for multiple policies based on an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire multiple insurance policies at the same time.
Optimum Insurance Target Target population of attractive insurance prospects predicted to engage in home/auto insurance coverage based on an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire credit.
High Lifetime Value Households Target population whose estimated age, income, and credit activity indicate a higher than average lifetime value.

Target by Small Business Segments

Small Business Assets Digital Small Business Assets Digital enables online marketers at financial institutions to target online visitors that are likely to be small business owners based on an estimate of the assets invested by small businesses, while maintaining user privacy. It is comprised of 6 categories that estimate small business assets up to $20M.
Company Age Small business segments defined by estimated age of company.
Company Size Small business segments defined by estimated size of company.
Annual Sales Small business segments defined by estimated annual sales.
Industry Small business segments defined by industry sector.

Target by Travel, Leisure and Entertainment Segments

Travelers Households likely to travel.
Theme Park Visitors Households likely to visit theme parks.
Luxury Travelers Households likely have a propensity for luxury travel.
Cruise Customers Households likely to take a cruise.
Family Cruise Customers Households likely to take a family cruise.
Cruise Customers – Caribbean Households likely to take a Caribbean cruise.
Cruise Customers – Luxury Households likely have a propensity for luxury cruises.
Resort Visitors Households likely to stay at a resort.
Resort Visitors- Caribbean Households likely to stay at a Caribbean resort.
4-star Resort Visitors Households likely to stay at a 4-Star resort.
International Travelers Households likely have a propensity for international travel.
International Family Travelers Households likely have a propensity for international family travel.
Mexico – Latin America Travelers Households likely to travel to Mexico or Latin America.
Europe Travelers Households likely to travel to Europe.
Exotic Destination Travelers Households likely to travel to exotic international destinations.
Likely Gamblers Households likely have a propensity for gambling.
Likely Las Vegas Gamblers Households likely have a propensity for gambling in Las Vegas.

Target by Cable, Telco and Wireless Segments

Wireless

Prefers Smartphone Households likely to be a candidate for a smartphone.
Prefers iPhone Households likely to be a candidate for an iPhone.
Prefers BlackBerry Households likely to be a candidate for a BlackBerry phone.
Average Revenue Customer Households likely to be average revenue wireless customers, with basic level monthly wireless bills.
High Revenue Customer Households likely to be higher revenue wireless customers, with higher monthly wireless bills.
Prepaid Wireless Plan Subscriber Households likely to subscribe to prepaid wireless plans.
Individual Wireless Plan Subscriber Households likely to subscribe to individual wireless plans.
Family Wireless Plan Subscriber Households likely to subscribe to family wireless plans.
Wireless Plan – Internet User Households likely to use the Internet from their mobile device.
Wireless Plan – Multi-Feature User Households likely to use a wide variety of features on their mobile device.

Video

DVR User Households likely to use DVR.
High-Def Viewer Households likely to have a High Definition TV.
On-Demand Viewer Households likely to watch Video on Demand.
Premium Channel Viewer Households likely to watch premium cable channels.

Internet

Heavy Internet User Households likely to use the Internet frequently for a wide range of activities.
Frequent Online Gamer Households likely to play video or online games.
Social Network User Households likely to participate in online social networks.

Voice, Video and Data Package Subscribers

Triple Play Customers Households likely to be candidates for Triple Play service packages.
High Speed Data and Video Customers Households likely to be candidates for High-speed Data and Voice service packages.
Multi-Service Customer Households likely to have a propensity for all types of voice, video and data service including DVR, HDTV, Video on Demand and others.

Target by Retail Segments

Mass Market/ Discount Store Shoppers Households likely to shop at large national and discount retailers.
Apparel Shoppers Households likely to buy apparel.
Gift Buyers Households likely to buy gifts.
Shop for Children Households likely to buy items for children.
Jewelry Buyers Households likely to buy jewelry.
Upscale Shoppers Households likely to shop at upscale retailers.
Luxury Shoppers Households likely to shop at luxury retailers.

Target by Restaurant Segments

Quick Serve Restaurant Diners Households likely to dine at quick serve restaurants (Average per-person dinner check of $3-$6; patrons generally order at a counter, drive-through, or online; food may be consumed on premises, taken out, or delivered; patron pays before they eat).
Fast Casual Restaurant Diners Households likely to dine at fast casual restaurants (Average per-person dinner check of $7-$9; more upscale than quick serve restaurants with typically higher quality food still prepared relatively quickly; patron pays before they eat).
Casual Restaurant Diners Households likely to dine at casual restaurants (Average per-person dinner check of $10-$25; establishment has host, server, and bartending staff; order taken while the patron is seated; patron pays after they eat).
Fine Casual Restaurant Diners Households likely to dine at fine casual restaurants (Average per-person dinner check of $25 or more; upscale chain restaurant; establishment has host, server, and bartending staff; order taken while the patron is seated; patron pays after they eat).

Target by Auto Segments

Domestic Vehicle Owners Households likely to own or lease a domestic vehicle.
Family Vehicle Owners Households likely to own or lease a family vehicle.
Luxury Vehicle Owners Households likely to own or lease either a domestic or import luxury vehicle.
Domestic Luxury Vehicle Owners Households likely to own or lease a domestic luxury vehicle.
Import Auto Vehicle Owners Households likely to own or lease an import vehicle.
Import Luxury Vehicle Owners Households likely to own or lease an import luxury vehicle.
Eco Friendly Vehicle Owners Households likely to own or lease an environmentally-friendly vehicle.

Some of these segments are built using data from MediaMark Research Inc.
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