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Product-Category-Financial

These authoritative databases feature comprehensive information on the financial behaviour, assets, liabilities and net worth of Canadians.


HouseholdSpend

HouseholdSpend provides current estimates of annual expenditures for 471 variables spanning 17 categories of goods and services used by Canadian households. This wide-ranging database lets users analyze potential expenditures by both average dollars per household and total dollars spent for any geographic level—from all of Canada to a small trade area—regardless of where the consumer made the purchase. The dataset is produced using data from DemoStats, PRIZM5 and the Survey of Household Spending, and is aligned to control totals from the CRA and Statistics Canada.


how it's used

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Healthcare providers can use HouseholdSpend to monitor trade areas for purchase trends of prescription and over-the-counter drugs reflecting an aging population.


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Analyzing your customers’ spending habits can highlight potential cross-promotional opportunities if, for example, the data indicate your customers spend their disposable income disproportionately on a particular category of goods or services.


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For a new energy conservation program, a hydro company can use HouseholdSpend to target those PRIZM5 segments whose electricity bills accounted for a much higher-than-average percentage of their total utility bills.


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FoodSpend

FoodSpend provides current estimates of annual expenditures for 286 variables of food-related purchases by Canadian households. The dataset is produced using data from DemoStats, PRIZM5 and food expenditures from the Survey of Household Spending, and is aligned to control totals from the CRA and Statistics Canada. FoodSpend provides valuable insights on what Canadian households are buying from grocery stores and restaurants. Users can analyze potential expenditures by both average dollars per household and total dollars spent for any geographic level—from all of Canada to small custom-defined trade areas—regardless of where the consumer made the purchase.


how it's used

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Restaurants can analyze areas around their locations to determine household food preferences to help develop new menu items or showcase particular ingredients.


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Grocery stores can append FoodSpend data to their customer files to reveal popular food items which can improve product mix and inventory planning.


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A CPG food company can link FoodSpend with PRIZM5 and create target groups to help develop more effective marketing campaigns and attract new customers for a new line of condiments.

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WealthScapes

WealthScapes offers the most comprehensive database available for information on the assets, liabilities and income of Canadians. Built using authoritative data and sophisticated modelling techniques, WealthScapes is designed for financial planning, marketing and targeting applications. Updated to December 2015, the latest version features a database of 178 key financial and investment statistics to help financial institutions, charitable organizations and large retailers better understand the financial and investment behaviour of their customers. A subset of 29 summary-level financial variables is also available as WealthScapes Lite.


how it's used

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Banks can use WealthScapes to locate areas where residents have low rates for RSP and TFSA use combined with higher disposable income levels. Identifying these areas can help banks make smarter marketing decisions when looking to promote and improve their financial planning business.


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Non-profit organizations can use WealthScapes to identify high-value donors from fundraising lists and areas that may be home to new donors. Getting a better sense of a donor’s net worth can help organizations more accurately determine potential levels of giving.


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High-end car manufacturers can link WealthScapes to PRIZM5 and create target groups for identifying areas more likely to contain households with high levels of discretionary income and an affinity for luxury automobiles. These insights can help car brands maximize the return on investment of their advertising dollars.


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WealthScapes-Daytime

WealthScapes Daytime provides the allocation of WealthScapes balances, contributions, incomes and values for the population that’s reachable in any area during daytime hours. By using commuter flow and workplace information, WealthScapes Daytime accounts for both the daytime population at a usual place of work (the commuting population) and based at home (the non-commuting population). The 77 variables in this database help users better understand the daytime demand for financial products and the consumer spending power of an area during business hours.


how it's used

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Banks can use WealthScapes Daytime to locate areas where the daytime population exhibits low RSP balances yet high disposable income levels. Identifying these areas can help banks make smarter marketing decisions when promoting their financial planning services during business hours.

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Not-for-profit organizations can use WealthScapes Daytime to improve fundraising efforts by locating high net worth households in areas with high at-home populations. Leveraging EA’s PRIZM5 segmentation system with the database can help not-for-profits better communicate with targeted households, increasing their likelihood of becoming donors.


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Credit unions can use WealthScapes Daytime to analyze their customers to determine which of their branches serve a high at-work or high at-home population. This information can help branch managers introduce more targeted savings and investment services, and identify potential locations for new branches.

WealthScapes-Fundraiser

WealthScapes Fundraiser is a selection of income, wealth and expenditure variables from WealthScapes used to assess the charitable giving capacity of prospective donors. When the age of the prospect is known, the database can also be used to provide age-specific estimates of household income and liquid assets. With WealthScapes Fundraiser, users can append estimates to prospect lists for screening and predictive modelling.


how it's used

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Charities and not-for-profits can use WealthScapes to identify neighborhoods where residents are more likely to donate and have the giving capacity to make significant contributions.

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WealthScapes Fundraiser can help not-for-profits with their campaign planning and initiatives by giving them a better sense of where their fundraising efforts should be concentrated.

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The database can also help identify donors who may have the capacity to donate more money than their current level—allowing organizations move them into higher donation brackets.

LiquidAssets

The LiquidAssets database measures the distribution of households by liquid asset holdings, and further classifies the distribution by maintainer age or household income. Liquid assets are holdings readily converted to cash: mutual funds, stocks, bonds, term deposits and GICs, as well as chequing and savings accounts (but not real estate). Built at the dissemination area level, LiquidAssets provides users with a detailed view of the liquid asset value of Canadian households. It features a wide range of age groups, income classes and asset classes, and can be used to target everything from estate planning services to car loans.


how it's used

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Banks use LiquidAssets to size markets and calculate potential sales opportunities for specific products like stocks, mutual funds and GICs.

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Fundraisers use LiquidAssets to find those donors with significant wealth beyond what their household incomes would suggest, such as retirees on fixed incomes who still have substantial spending power due to sizable assets.

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Luxury retailers use LiquidAssets to find high-value prospects based on high income levels and accumulated assets, and can develop effective media strategies to target them by integrating EA’s PRIZM5 segmentation system.

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AgeByIncome

This national database features an age-by-income cross-tabulation of household maintainers detailing six age classes and ten income classes for approximately 56,000 dissemination areas (DAs). The household maintainer age classes are under 35 years old, 35 to 44, 45 to 54, 55 to 64, 65 to 74, and 75 and older. The income classes categorize consumers in increments up to $200,000+. Derived from custom Statistics Canada tables, AgeByIncome is created using sophisticated statistical processes to accurately model the data at the DA level.


how it's used

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Real estate developers seeking residents for a seniors’ community use AgeByIncome to identify markets filled with 65– to 74-year-olds whose annual income is more than $80,000.

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Financial services companies use AgeByIncome to analyze customers of their various products, giving them the ability to target their messages, products and services according to customers’ lifestage and income levels.

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Marketers use AgeByIncome as an overlay with EA’s PRIZM5 segmentation system to further refine their consumer targeting efforts. Users are able to locate those under-35-year-olds with incomes of $60,000 to $80,000 for any PRIZM5 segment of interest.


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MoneyMatters

MoneyMatters Powered by Canadian Financial Monitor (CFM) is a major source of household financial characteristics in Canada. It’s based on a large national sample survey of over 17,000 respondents that was developed with input from some of the nation’s largest financial institutions. The MoneyMatters database from Environics Analytics provides competitive insights, channel preferences and financial behaviour measured by the survey at the six-digit, postal code level (FSALDU). With national coverage of 1,949 variables, the MoneyMatters dataset is a vital source of consumer information on personal banking, investments, credit and insurance. MoneyMatters data also can be linked to PRIZM5 providing segment-based analysis for answering diverse financial questions—an invaluable resource for C-suite executives and frontline managers for customer profiling, strategic planning, trade area analysis and target marketing. MoneyMatters helps financial companies such as banks, insurance businesses and brokerage firms promote their services, evaluate potential branch locations and cross-sell products to their key customer segments.


how it's used

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Banks can determine which of their customers are more likely to carry another bank’s credit card. This information can help marketers target product promotions and identify cross-selling opportunities to key customers.


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Banks can determine which of their customers are more likely to carry another bank’s credit card. This information can help marketers target product promotions and identify cross-selling opportunities to key customers.


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Linking MoneyMatters data to the PRIZM5 segments of a credit union’s customer base provides a more effective customer acquisition strategy by enabling users to profile their best customers and locate look-alike prospects in new or underserved markets.


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NeighbourhoodView

Neighbourhood View™ offers privacy-compliant, aggregated credit data from Equifax Canada. Available as PRIZM5 profiles and neighbourhood summaries, this database includes over 280 variables—such as household debt level and number of credit applications made in the last three months—that have been grouped into four separate modules to provide a powerful financial analysis tool for understanding the credit characteristics of consumers and markets. Neighbourhood View™ data facilitate a broad range of marketing applications, including segmentation, risk analysis, market analysis, customer insights and media planning. The privacy-compliant data make it easy for marketers to determine which areas with desired credit characteristics are likely to contain good prospects.


how it's used

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Banks and credit unions looking to promote a new credit product can use Neighbourhood View™ to analyze credit utilization rates, number of recently opened credit accounts and the recency of credit inquiries—all to target areas with a higher concentration of households that would be good candidates for the offer


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Retailers can use Neighbourhood View™ to improve a direct mail campaign’s response rates by analyzing the credit profiles of customer responses from previous marketing initiatives to determine which areas to target in subsequent efforts.


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Insurance companies can use Neighbourhood View™ variables to enhance target group personifications and provide a snapshot of the financial health and overall credit risk of a selected target group.


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