Your campaigns are ready. But are you targeting the consumers who can actually afford to say yes?

Most businesses segment by demographics or purchase history. The best ones go further, including financial capacity, so every offer lands with someone who has the headroom to act on it. The Eighty20 Income Estimator enables this advanced targeting.

Built on a best-in-class machine learning model and validated against national benchmarks, it delivers reliable, individual income estimates at scale. Eighty20 combines traditional credit bureau data with alternative data sources to build an accurate picture of your customers’ financial reality.

The Eighty20 Income Estimator now allows businesses to get a view of the financial capacity of the thin file (credit inactive) base as well, which typically comprises of consumers who have applied for credit, but either did not qualify or chose not to take up the offers.

Find out more about the Eighty20 Income Estimator

How leading FSPs and retailers are using the Eighty20 Income Estimator to outperform the market

In a prior engagement, Eighty20 used income estimation to segment customers by income band, enabling a reallocation of 20% of marketing spend from underperforming segments toward higher-ROI re-engagement initiatives. This delivered a 22% increase in high-value registrations, with no increase in total budget.

Other use cases include:

Affordability assessment: Assess affordability at origination using committed expenses, inferred cost-of-living and alternative data, not just bureau scores, reducing default risk from day one. Because the Income Estimator accommodates thin-file consumers, this also extends insight to “credit invisibles”.

Targeted engagement: Focus acquisition, upsell and credit-limit decisions on consumers in healthy affordability bands, improving conversion, unlocking headroom for existing customers and reducing bad debt, without increasing portfolio risk.

Stress monitoring: Build an early warning system that flags consumers moving into financial stress before accounts deteriorate.

Portfolio intelligence: View income and affordability distributions by segment or geography and track how they shift over time, to identify regional opportunity and risk concentration and inform pricing, product and risk strategy.

Improved ENS segmentation match rate: If your base leans towards traditionally thin file (mass market) consumers, the Eighty20 Income Estimator will provide improved match rates to the ENS.

The Eighty20 Income Estimator in action

Find out more about the Eighty20 Income Estimator

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