1 © Experian [Public] • 6/14/17 • Wealth Insight Services
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1 © Experian [Public] • 6/14/17 • Wealth Insight Services
2 © Experian [Public] • 6/14/17 • Wealth Insight Services
Hot topic: Why wealth matters?
3 © Experian [Public] • 6/14/17 • Wealth Insight Services
What is Commercial Loan Stacking ?
4 © Experian [Public] • 6/14/17 • Wealth Insight Services
Results of risk modeling
16.3
23.3
0.0
5.0
10.0
15.0
20.0
25.0
KS
Demographic only – thin file population
IPV2 Custom IPV2 and WOS
43% lift
5 © Experian [Public] • 6/14/17 • Wealth Insight Services
Results of risk modeling
0%
2%
4%
6%
8%
10%
12%
1 2 3 4 5 6 7 8 9 10
Inte
rva
l b
ad
ra
tes
Demographic only – thin file population
IPV2 Custom IPV2 and WOS
6 © Experian [Public] • 6/14/17 • Wealth Insight Services
Introduce trended solutions
0
10,000
20,000
30,000
40,000
50,000
60,000
0
5
10
15
20
25
30
35
Ave
rag
e p
lastic
sp
en
dPe
rce
nt o
f p
op
ula
tio
n
Estimated wealth
Gender based ownership
Women Owned Male Owned Women Owned Avg Plastic Spend Male Avg Plastic Spend
7 © Experian [Public] • 6/14/17 • Wealth Insight Services
Modeling results for marketing
10.74%10.66%
9.84% 9.77%
9.48%
8.5
9.0
9.5
10.0
10.5
11.0
$0 - $15,000 $15,001 - $40,000 $40,001 - $100,000 $100,001 - $150,000 $150,0001 - $90,000,000
In th
e m
ark
et ra
te %
Estimated wealth
Rank ordering by wealth
8 © Experian [Public] • 6/14/17 • Wealth Insight Services
Which industries to target?
20
25
30
35
40
45
50
55
60
65
70
0
2
4
6
8
10
12
14
16
Finance,Insurance and
Real Estate
PublicAdministration
Retail Trade Services Construction ManufacturingTrans, Comm,Electric, Gas,
Sanitary
Agriculture,Forestry and
Fishing
WholesaleTrade
Mining
In the market for credit and risk
In th
e m
ark
et ra
te p
erc
en
tage
Ave
rag
e IP
V2
9 © Experian [Public] • 6/14/17 • Wealth Insight Services
Which industries to target?
0%
2%
4%
6%
8%
10%
12%
0
2
4
6
8
10
12
14
16
Finance,Insurance and
Real Estate
PublicAdministration
Retail Trade Services Construction ManufacturingTrans, Comm,Electric, Gas,
Sanitary
Agriculture,Forestry and
Fishing
WholesaleTrade
Mining
In th
e m
ark
et ra
te p
erc
en
tage
Ba
d ra
te
10 © Experian [Public] • 6/14/17 • Wealth Insight Services
Where to target?
0
5
10
15
20
Pe
rce
nt o
f p
op
ula
tio
n
Estimated wealth
Top “three in the market” SIC
Agriculture, Forestry and Fishing Wholesale Trade Mining
11 © Experian [Public] • 6/14/17 • Wealth Insight Services
Why to target here?
37.134.5
32.930.3
28.1
44
46
48
50
52
54
56
58
0
5
10
15
20
25
30
35
40
45
50
0-$225,000 $225,001-$350,000 $350,001-$600,000 $600,001-$3,000,000 $3,000,001-$90,000,000
Ave
rag
3 IP
V2
sco
reM
icro
-bu
sin
ess r
ate
(%
1-2
em
plo
ye
es)
Estimated wealth
Micro-businesses and wealth
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