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Financial Spectrum Cluster Detail:
Mass 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

Mass Affluent
Mid-High w/no Investment

Segment 36

% of Households: 1.9%
Assets: $137,919
Credit Responsibility: Mid
Home Ownership: Own
Urbanicity: Mixed

Mass Affluent
Mid-High w/no Investment

Segment 37

% of Households: 1.6%
Assets: $142,458
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Town/Rural

Mass Affluent
Mid-High w/no Investment

Segment 38

% of Households: 1.4%
Assets: $146,258
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Urban/Suburban

Mass Affluent
Mid-High w/Investment

Segment 39

% of Households: 1.2%
Assets: $169,521
Credit Responsibility: Mid
Home Ownership: Own
Urbanicity: Town/Rural

Mass Affluent
Mid-High w/Investment

Segment 40

% of Households: 1.4%
Assets: $171,522
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Town/Rural

Mass Affluent
Mid-High w/Investment

Segment 41

% of Households: 1.7%
Assets: $172,676
Credit Responsibility: Mid
Home Ownership: Own
Urbanicity: Urban/Suburban

Mass Affluent
Mid-High w/Investment

Segment 42

% of Households: 1.9%
Assets: $176,804
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Town/Rural

Mass Affluent
Mid-High w/Investment

Segment 43

% of Households: 2.0%
Assets: $178,631
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Urban/Suburban

Mass Affluent
Mid-High w/Investment

Segment 44

% of Households: 1.1%
Assets: $180,672
Credit Responsibility: High
Home Ownership: Rent
Urbanicity: Mixed

Mass Affluent
High

Segment 45

% of Households: 2.1%
Assets: $459,925
Credit Responsibility: Mid
Home Ownership: Own
Urbanicity: Urban/Suburban

Mass Affluent
High

Segment 46

% of Households: 1.9%
Assets: $469,086
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Town/Rural

Mass Affluent
High

Segment 47

% of Households: 1.8%
Assets: $483,325
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Urban/Suburban

Mass Affluent
High

Segment 48

% of Households: 1.3%
Assets: $487,188
Credit Responsibility: High
Home Ownership: Rent
Urbanicity: Urban/Suburban

Mass Affluent
High

Segment 49

% of Households: 1.5%
Assets: $489,923
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Urban/Suburban

Mass Affluent
High

Segment 50

% of Households: 1.5%
Assets: $504,363
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Urban/Suburban

Mass Affluent
High

Segment 51

% of Households: 1.5%
Assets: $518,238
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Urban/Suburban

Mass Affluent
High

Segment 52

% of Households: 1.4%
Assets: $523,639
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Mixed

Mass Affluent
High

Segment 53

% of Households: 1.6%
Assets: $533,251
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Urban/Suburban

Mass Affluent
High

Segment 54

% of Households: 1.8%
Assets: $542,886
Credit Responsibility: High
Home Ownership: Own
Urbanicity: Urban/Suburban

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.