Spending Power™

Spending Power™ is a modeled dollar estimate of what a household likely has available to spend, save, or invest after accounting for the fixed expenses of life (shelter, utilities, insurance, fixed transportation, and healthcare expenses). Unlike other behavioral-based indicators, Spending Power™ is derived from measured data and provides a high upper limit actual dollar value. Spending Power™ differentiates spending capacity across households with similar demographic and financial profiles. It provides a continuous measure up to $1.2MM per household and delivers ground counts of households by spending tiers for market-level geographies as low as Census Block Group. This is derived from data furnished by our exclusive network of 95+ leading financial institutions that directly measures about $20 trillion in anonymous U.S. consumer assets and investments, representing over 45% of all U.S. consumer invested assets. Spending Power™ can be bundled with other financial capacity measures such as Income360®, Ability to Pay Index™, or Affluence Index™ to provide an even more granular view of household disposable income. Fields Included:<br/>ZIP Code<br/>ZIP+4 Code Delivery Point Code (DPC)<br/>Spending Power Dollar Estimate

搜集汇总

背景与挑战

背景概述

Spending Power™ 是一个基于实际测量数据的模型，用于估算家庭在扣除固定开支后的可支配金额，最高可达每户120万美元，并能按人口普查区块组等细分市场提供家庭数量统计。数据来源于超过95家领先金融机构的匿名资产信息，覆盖约20万亿美元美国消费者资产，可与其他财务指标结合以提供更精细的家庭收入视图。