Financial Spectrum®

Gain the insights you need to effectively implement customer acquisition, cross-sell and retention programs.

This robust segmentation solution leverages proprietary IXI™ Network direct-measured™ asset data and links to syndicated data sources. Designed for statistical separation, simplicity, stability and actionability, Financial Spectrum is only available to IXI Network members. Now you can have a better understanding of the likely financial profile of US consumers by:

Financial affluence level  •  Asset allocation  •  Investment style  •  Channel preference  •  Media usage  •  Other lifestyle preferences

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Affluent
Very High

# of Households: 8.2 Million / 6.6% of HHs

They use credit cards for convenience and do not carry a balance. Likely to read monthly magazines.

 Asset Level:   Highest   $1M+ 

 Credit:   High 

 % Homeowners:   88.5% 

Mass Affluent
High

# of Households: 20.4 Million / 16.4% of HHs

Likely to stream video from Amazon Prime and uses credit card to earn rewards.

 Asset Level:   High   $400K-1M 

 Credit:   High 

 % Homeowners:   85.0% 

Mass Affluent
Mid-High w/Investment

# of Households: 11.7 Million / 9.4% of HHs

Uses alternative to cable/satellite TV (network website/app). Hold high personal checking account balances.

 Asset Level:   Mid   $100K-400K 

 Credit:   Mid 

 % Homeowners:   79.9% 

Mass Affluent
Mid-High w/no Investment

# of Households: 6.1 Million / 4.9% of HHs

Thinks it is important for checking to have low/no fee. Not likely to own their own business. Highest penetration for social media use.

 Asset Level:   Mid   $100K-400K 

 Credit:   Mid 

 % Homeowners:   75.7% 

Mass Market
Mid-Low w/Savings

# of Households: 20.9 Million / 16.8% of HHs

Online banking is important and they use Peer-to-Peer payment methods. They are generally not listening to radio or watching traditional TV.

 Asset Level:   Mid-Low   $20K-100K 

 Credit:   Low 

 % Homeowners:   61.9% 

Mass Market
Mid-Low w/no Savings

# of Households: 18.7 Million / 15.0% of HHs

Carry a balance on their credit card and likely to have a balance for other loans like education or automobiles.

 Asset Level:   Mid-Low   $20K-100K 

 Credit:   Low 

 % Homeowners:   65.9% 

Mass Market
Low

# of Households: 38.8 Million / 31.1% of HHs

Uses debit card and prepaid debit card. Uncomfortable trusting money to a bank.

 Asset Level:   Lowest   $0-20K 

 Credit:   Low 

 % Homeowners:   42.3%