Spending Insights Index

Understanding consumer spending is paramount for effective marketing and strategic growth.

Equifax offers transaction-based insights into actual consumer spending, helping B2C marketers optimize strategies and drive improved results.

Spending Insights Index, developed for non-FCRA use cases, leverages aggregated transaction data to provide a comprehensive view of spending activity across multiple consumer categories such as Travel (plus hotel, airline, cruise), Dining (plus fast casual, takeout/food delivery), Home Improvement, Insurance, and Total/Overall Spending. The Index ranks each category with scores (1 - 100) for three key measures:

- Level of spend: average transaction amount over the past 12 months
- Recent spend activity: average transaction amount over the past 3 months
- Spend frequency: average number of transactions per month over the past 12 months

**Example of Spending Insights Index in action:**

A financial services company wants to identify potential customers who are likely to respond to a credit card offer with travel perks. Use the Travel category to find individuals with a high-level of spend plus spend frequency on travel-related purchases. Narrow the audience by focusing on individuals actively planning or making travel purchases by looking at the recent spend activity.

This solution is designed to increase marketing effectiveness by better identifying consumer household spending, ultimately boosting acquisition, informing cross-sell strategies, and enhancing retention.

Anonymized transaction data is aggregated at the micro-neighborhood / ZIP+4 level to ensure compliance and privacy. It is available as a full data file, or appended to an input file.

For online advertisers, we offer Spending Insights Digital Targeting Segments, available on leading digital platforms, enabling consistent targeting across all touchpoints.

**Subset of Fields Included:**

- All Spend
- All Spend 3 Months
- All Transactions
- Travel-Hotel Spend
- Travel-Hotel Spend 3 Months
- Dining Fast Casual Spend
- Insurance All Spend

原始信息汇总

Spending Insights Index 数据集概述

数据集基本信息

• 数据集名称: Spending Insights Index
• 提供商: Equifax
• 试用信息: 90天免费试用
• 数据更新频率: 季度更新
• 地理覆盖范围: 美国所有州（按邮政编码）

数据集描述

Spending Insights Index 专为非FCRA用例开发，利用聚合交易数据提供跨多个消费者类别的全面消费活动视图。该数据集通过三个关键指标对每个类别进行评分（1-100分）：

评分维度

• 消费水平: 过去12个月的平均交易金额
• 近期消费活动: 过去3个月的平均交易金额
• 消费频率: 过去12个月的平均每月交易次数

覆盖类别

• 旅行（包括酒店、航空、邮轮）
• 餐饮（包括快餐、外卖/食品配送）
• 家居装修
• 保险
• 总消费/整体消费

数据特征

数据处理方式

• 匿名化交易数据在微社区/ZIP+4级别聚合，确保合规性和隐私保护
• 可作为完整数据文件提供，或附加到输入文件中

云区域可用性

AWS:

• US East (N. Virginia)
• US East (Ohio)
• US West (Oregon)

Azure:

• East US 2 (Virginia)

应用场景

客户获取

• 基于相关产品的实际消费识别特定活动的潜在客户
• 利用线上线下触点执行个性化广告活动

受众细分

• 基于购买行为细分当前和过往客户
• 在忠诚度和亲和计划中促进新的或增加的消费

数据字段示例

• ALL_SPEND
• ALL_SPEND_3MOS
• ALL_TXN
• Travel-Hotel Spend
• Travel-Hotel Spend 3 Months
• Dining Fast Casual Spend
• Insurance All Spend

联系方式

• 销售: [e-mail]
• 支持: [e-mail]