Three of the most powerful
segmentation systems available for
financial services marketers, period.

Our household-level segmentation scoring systems are compliant with regulatory data guidelines
and designed for invitation-to-apply and pre-screen campaigns.

Intellectual Property and Data Assets

Financial Personalities®

Financial Personalities® are multi-dimensional, category-specific segmentation frameworks based on both self-reported and actual financial services-related needs, attitudes and behaviors. Financial Personality® scores are used by marketers across a wide range of applications, including targeting households based on their product preferences and product usage within specific categories, e.g., Credit Card, Deposits, Home Equity, Investments, Prepaid Debit Card.

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Financial Personality® scores can be appended to both customer files and prospect files and are available for both invitation-to-apply (ITA) campaigns and pre-screen campaigns, where applicable. Financial Personalities® are household-level scores and are therefore more accurate than zip+4 scoring systems. All Financial Personality® scores comply with regulatory data guidelines, where applicable.

Financial Personality® segmentation frameworks and scoring licenses are available for the following categories:

  • Credit card
  • Deposits
  • Home equity
  • Investments
  • Life insurance
  • Mortgage
  • Personal lines and loans
  • Prepaid debit card
Consumer Financial Insights®

Consumer Financial Insights® are one-dimensional segmentation frameworks based on self-reported and actual financial services-related behaviors. Consumer Financial Insights® scores are used by marketers across a wide range of applications, including targeting households based on their potential within specific asset categories, e.g., Deposits, Investable Assets, Mortgage, Total Net Assets.

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Consumer Financial Insights® scores can be appended to both customer and prospect files and are available for both invitation-to-apply campaigns and pre-screen campaigns, where applicable. Consumer Financial Insights® are household-level scores and are therefore more accurate than zip+4 scoring systems. All scores comply with regulatory data guidelines, where applicable.

Consumer Financial Insights® segmentation frameworks and scoring licenses are available as discrete scores that provide the following estimated information for a household:

  • Household Deposits Score® - deposit balances held at financial institutions.
  • Investable Assets Score® - investable assets: deposits (checking, savings, money market, CD), stocks, bonds, mutual funds, retirement accounts, etc.
  • Investment Balances ScoreSM - investment balances: stocks, bonds, mutual funds, retirement accounts, etc.
  • Mortgage Refinance Score® - likelihood to refinance a mortgage. This score is available for both pre-screen and invitation-to-apply campaigns.
  • Net Asset Score® - total assets minus total liabilities.
Business Financial Insights®

Business Financial Insights® are one-dimensional segmentation frameworks based on self-reported and actual financial services-related behaviors. Business Financial Insights® scores are used by marketers across a wide range of applications, including targeting small businesses based on their potential within specific asset categories, e.g., Total Business Deposits, Business Checking Deposits, and Business Loans.

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Business Financial Insights® scores can be appended to both customer and prospect files. Business Financial Insights® are business-level scores and are therefore more accurate than zip+4 scoring systems. All scores comply with regulatory data guidelines, where applicable.

Business Financial Insights® segmentation frameworks and scoring licenses are available as discrete scores that provide the following estimated information for a small business:

  • Business Deposits Score - total deposit balances.
  • Business Checking Score - total business checking deposit balances.
  • Business Loan Score - total loan balances, including commercial loans and commercial real estate loans.