Financial Cohorts®

A breakthrough household segmentation system that leverages IXI’s direct measurement of over $10 trillion in financial assets

IXI’s Financial Cohorts is a breakthrough household segmentation system that leverages IXI’s direct measurement of over $10 trillion in financial assets to segment customers based on their financial profiles, behaviors and characteristics as well as demographics and consumer behaviors.   Financial services marketers can use Financial Cohorts to better understand the financial and behavioral characteristics of distinct customer and prospect groups in order to increase the relevance and effectiveness of their marketing efforts. 

Financial Cohorts is built on a foundation of 42% of all consumer invested assets, providing views of household financial profiles that can only be revealed by real data on the ground.  Unlike other financially-based segmentation systems, Financial Cohorts overcomes the inherent limitations associated with segmentation built from financial survey data. It leverages direct-measured data, avoiding the bias against affluent households that is common in survey research.

Exclusively for IXI►Net Members, Financial Cohorts is not a one-size-fits-all solution. Instead, it meets firms’ unique business needs by integrating key customer transactional metrics with Financial Cohorts’ segmentation methodology. The result is a highly relevant, actionable, and custom-fit segmentation solution to help your firm:

• Choose marketing channels and media placement - match marketing/media channels with preferences of target segments
• Tailor positioning and messaging - version creative and copy for maximum relevance to targets
• Define product strategy and distribution – determine effective product positioning and match offers with appropriate customers
• Appropriately cross-sell/upsell - identify optimal cross-sell/upsell opportunities within your customer base based on current share-of-wallet and the financial capacity of customers within your base
• Improve CRM and loyalty efforts - communicate with customers in a relevant tone, and through relevant channels, with relevant offers
• Profile customers – understand the full picture of household behaviors for a more accurate predictive measure of how they will interact with you
• Conduct market analyses – size markets for key target segments and identify growth opportunities

Financial Cohorts offers unmatched accuracy of data: the direct-measured data defining the household segments reflects changes in assets that occur every year. This contrasts sharply with survey-based segmentation solutions that require more than three years of survey responses to create sufficient sample size to create segments.

Finally, Financial Cohorts integrates with all IXI market-level and household-level solutions, thus expanding the range of single-sourced solutions that IXI offers to its network members.