IXI Enhances Discretionary Spending Index (DSI^®) with DSI Mass Market to Better Differentiate Spending Capacity of Low to Mid-Income Households

July 2008

IXI Corporation announces the availability of a new module to its Discretionary Spending Index (DSI) product line.  The new tool, called DSI Mass Market (DSI MM), enables credit issuers and other firms interested in low- to mid-income households to develop appropriate marketing, service, and collections treatment strategies based on a granular view of discretionary spending capacity.

Discretionary Spending Index, or DSI, was launched in 2005 and is the first household scoring system that measures and ranks consumer discretionary spending capacity.  DSI provides a household-level continuous score ranging from 1 to 1000, with a rating of 1000 representing households with the most spending capacity.

In today’s economic environment, many financial services firms are particularly interested in identifying households with limited means.  With this in mind, IXI developed DSI MM to identify spending capacity for those with limited means at a more finite level.  DSI MM provides an additional degree of differentiation for the 60% of households with the lowest discretionary spending capacity, those with DSI scores 1 to 280.  Specifically, DSI Mass Market examines DSI scores 1 to 280, and re-scores them from 1 to 1000 to gain a closer look at households with limited spending capacity.

Both DSI and DSI MM translate income, factored asset scores derived from IXI’s proprietary financial assets database, and life-stage attributes into an index score that accurately ranks households by spending capacity.  DSI and DSI MM scores can be appended to any customer or prospect file to identify and target households based on their spending capacity. 

For more information about DSI MM or DSI, please contact us.