Skip to content

Financial Spectrum Cluster Detail:
Affluent

Leverage Financial Spectrum clusters for a variety of use cases:

Profiling
Customers

Prospecting, acquisition and up-sell, cross-sell

CRM &
Loyalty

Relevant communications with customers

Positioning

Version creative and copy for maximum relevance to targets

Channels & Media
Placement

Match marketing/media channels with preferences of target segments

Market
Analysis

Size markets for key target segments and identify growth opportunities

Performance
Metrics

Customer penetration, value by product line, profitability, fee income, transaction channels

Affluent
Very High

Segment 55

% of Households: 2.2%
Assets: $2,278,248
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Urban/Suburban

Affluent
Very High

Segment 56

% of Households: 1.7%
Assets: $2,846,909
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Urban/Suburban

Affluent
Very High

Segment 57

% of Households: 1.5%
Assets: $3,632,392
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Urban/Suburban

Affluent
Very High

Segment 58

% of Households: 1.2%
Assets: $3,816,976
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Mixed

Data-Driven Marketing
Guide to Cluster Data

Asset Ranges:

Mass Market = Lowest – Mid-Low

Mass Affluent = Mid – High

Affluent = High – Highest

Assets:
Asset range Lowest = $0-20K
Asset range Mid-Low = $20-100K
Asset range Mid $100-400K
Asset range High $400-1M
Asset range Highest $1+M

Low (<$20K)

Medium ($20K-$400K)

High ($400K+)

Credit Responsibility:
Defined as Low, Mid or High. Credit Responsibility is based on a risk score model that typically assigns higher scores to consumers who exhibit a likelihood of high, or satisfactory, credit performance and lower scores to consumers who exhibit a likelihood of low, or unsatisfactory performance.

Low

Mid

High

Urbanicity:
Urbanicity is the population density pattern for the neighborhood and surrounding areas. Urbanicity categories assigned to segments are Urban Core, Urban/Suburban and Town/Rural areas. Some segments may have a mix of areas.
Financial Spectrum differentiation of households based on direct-measured data only available from Equifax. Financial capacity data is based on measured assets, total income, spending and credit. It more accurately identifies households with significant assets and aligns with the way you run your business. Financial Spectrum is built without the use of protected-class demographics to help address your compliance requirements. Only available for IXI Network members.