Sold by: Data Axle
Deployed on AWS
Data Axle's Borrowers, Spenders & Investors Audiences combine verified PII with AI-modeled financial behaviors to identify individuals likely to borrow, spend, or invest. Scored 0-1 for intent, these audiences support precise targeting across credit, banking, investment, and fintech use cases. Prebuilt and custom segments available.
Overview
Data Axle’s Borrowers, Spenders & Investors Audiences help financial institutions, credit providers, and fintech platforms engage individuals showing strong intent to borrow, spend, or invest. By combining verified financial attributes with AI-modeled behavioral propensities, these segments enable highly personalized, scalable outreach across credit, banking, and investment ecosystems.
Data Axle, formerly Infogroup, has been a trusted provider of data-driven solutions since 1972. It has coverage of over 95% of U.S. adults and households. Data Axle combines deterministic offline and online sources—voter files, utility connects, real estate, and more—to create enriched, actionable consumer profiles which can be consumed directly.
What Sets Us Apart:
- Unlike traditional forecasting models built on static rules or demographics, our AI engine continuously learns and adapts, using thousands of behavioral, attitudinal, and transactional signals to generate nuanced audience definitions
- Trained on expansive offline PII data, utilizing all signals (not just age/income)
- Scores every individual (0–1) by propensity to act
- Optimized for personalized targeting, next-best action, and cross-sell models
- Built for scalable segmentation, enrichment, and omnichannel activation
Key Attributes
- Credit activity: auto loans, personal loans, credit card usage, refinancing signals
- Investment readiness: traditional portfolios, retirement accounts, digital assets
- Digital finance adoption: online banking, fintech usage, neobank enrollment
- Spending power: lifestyle purchases, BNPL indicators, loyalty program behavior
- Household income, risk tolerance, and financial goal orientation
- Verified PII from tax assessments, real estate, and financial records
Segment Categories
Each category includes multiple AI-scored segments – below are illustrative examples and business applications. New categories are released regularly.
- Active Credit & Loan Seekers – In-market for credit cards, personal loans, auto financing, or mortgage products
Use case: Target with rate promotions, pre-qualification campaigns, and financing offers. - High-Spending Consumer Profiles – Retail, lifestyle, and travel-heavy spenders with openness to credit and BNPL options
Use case: Promote rewards cards, flexible payment solutions, and premium banking tiers. - Financial Optimizers & Savvy Planners – Rate-sensitive, rewards-maximizing individuals with cross-product shopping behavior
Use case: Deliver competitive comparisons and trigger-based campaigns for product switchers. - Investment-Ready Individuals – Stock, mutual fund, and retirement investment intenders; includes digital asset interest
Use case: Acquire new users for wealth platforms, trading apps, and managed account solutions. - Financially Upscale & Creditworthy Segments – High credit score, multi-product financial relationships, and low risk profiles
Use case: Upsell private banking, bundle home/auto/life insurance, or promote high-limit products. - Banking & Fintech-Engaged Consumers – Users of mobile banking, digital wallets, neobanks, and alternative finance apps
Use case: Increase fintech adoption, boost engagement with digital products, or retarget dormant users.
Key Features
- AI-scored financial intent and readiness per individual (0–1)
- Derived from 100+ offline and digital behavioral sources
- Scores available for credit, spend, save, invest, and manage behaviors
- Prebuilt and custom segments available for rapid deployment
- Supports HEM, match key, and identity spine integration for activation
Use Cases
- Acquire new credit, banking, or insurance customers
- Boost investment platform and robo-advisor adoption
- Reactivate dormant financial users or cross-sell between products
- Optimize targeting for premium card offers and digital lending services
- Target behaviorally aligned audiences for BNPL, PFM, and savings tools
- Segment users for financial coaching, insurance education, or retirement planning
Next Steps
- Request listing access
- Data Axle team will contact you to finalize audience, data cut, and delivery method / frequency
- Need a Custom Audience? We deliver tailored segments within 5–10 business days
Details
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Deployed on AWS
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Additional details
You will receive access to the following data sets.
Data set name | Type | Historical revisions | Future revisions | Sensitive information | Data dictionaries | Data samples |
|---|---|---|---|---|---|---|
MKT_BORROWERS | Last 1 revisions | All future revisions | Not included | Not included |
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