Empresas | Demanda por Crédito

Variação acumulada no ano 6,3%

Variação mensal -3,6%

Consumidor | Demanda por Crédito

Variação acumulada no ano 8,4%

Variação mensal -2,3%

Empresas | Recuperação de Crédito

Percentual médio no ano 38,7%

Percentual no mês 38,4%

Consumidor | Recuperação de Crédito

Percentual médio no ano 57,3%

Percentual no mês 57,8%

Cartão de Crédito | Cadastro Positivo

Ticket Médio R$ 1.280,32

Pontualidade do pagamento 77,9%

Empréstimo Pessoal | Cadastro Positivo

Ticket Médio R$ 402,57

Pontualidade do pagamento 82,6%

Veículos | Cadastro Positivo

Ticket Médio R$ 1.340,29

Pontualidade do pagamento 80,7%

Consignado | Cadastro Positivo

Ticket Médio R$ 268,95

Pontualidade do pagamento 92,0%

Tentativas de Fraudes

Acumulado no ano (em milhões) 6,94

No mês (em milhões) 1,15

Empresas | Inadimplência

Variação Anual 18,0%

No mês (em milhões) 8,1

MPEs | Inadimplência

Variação Anual 18,5%

No mês (em milhões) 7,7

Consumidor | Inadimplência

Percentual da população adulta 48,5%

No mês (em milhões) 79,2

Atividade do Comércio

Variação acumulada no ano 4,1%

Variação mensal 1,7%

Falência Requerida

Acumulado no ano 236

No mês 61

Recuperação Judicial Requerida

Acumulado no ano 638

No mês 167

Empresas | Demanda por Crédito

Variação acumulada no ano 6,3%

Variação mensal -3,6%

Consumidor | Demanda por Crédito

Variação acumulada no ano 8,4%

Variação mensal -2,3%

Empresas | Recuperação de Crédito

Percentual médio no ano 38,7%

Percentual no mês 38,4%

Consumidor | Recuperação de Crédito

Percentual médio no ano 57,3%

Percentual no mês 57,8%

Cartão de Crédito | Cadastro Positivo

Ticket Médio R$ 1.280,32

Pontualidade do pagamento 77,9%

Empréstimo Pessoal | Cadastro Positivo

Ticket Médio R$ 402,57

Pontualidade do pagamento 82,6%

Veículos | Cadastro Positivo

Ticket Médio R$ 1.340,29

Pontualidade do pagamento 80,7%

Consignado | Cadastro Positivo

Ticket Médio R$ 268,95

Pontualidade do pagamento 92,0%

Tentativas de Fraudes

Acumulado no ano (em milhões) 6,94

No mês (em milhões) 1,15

Empresas | Inadimplência

Variação Anual 18,0%

No mês (em milhões) 8,1

MPEs | Inadimplência

Variação Anual 18,5%

No mês (em milhões) 7,7

Consumidor | Inadimplência

Percentual da população adulta 48,5%

No mês (em milhões) 79,2

Atividade do Comércio

Variação acumulada no ano 4,1%

Variação mensal 1,7%

Falência Requerida

Acumulado no ano 236

No mês 61

Recuperação Judicial Requerida

Acumulado no ano 638

No mês 167

Marketing

The Power of Advanced Audience Segmentation: How to Boost Campaign ROI

Understand the impact and best practices for advanced audience segmentation in marketing campaigns. Check how Serasa Experian solutions boost ROI.

The Power of Advanced Audience Segmentation: How to Boost Campaign ROI

An advanced audience segmentation has become one of the pillars for maximizing return on investment in media campaigns, especially in competitive sectors such as banking, retail, and insurance. With the evolution of data platforms, marketers need resources to create increasingly sophisticated and personalized strategies, enhancing results across different channels.

With that in mind, keep reading to understand what advanced audience segmentation is, its benefits and challenges, and how Serasa Experian can support you in this process.

What defines advanced audience segmentation in digital marketing?

Basic segmentation traditionally considers data such as age range, gender, and location. Although useful, this approach limits campaign potential by treating the audience generically. Advanced audience segmentation, however, goes further by cross-referencing behaviors, interests, transactional data, and consumption patterns.

By combining information obtained from browsing analytics, social media interactions, and purchase history, advanced segmentation allows the creation of consumer clusters with highly specific characteristics. For example, it becomes possible to identify groups with high interest in financial products but with distinct consumption patterns regarding credit or investments.

This process is essential for multichannel campaigns, as it enables the delivery of personalized messages in the right environments. Media professionals can increase campaign relevance by speaking directly to profiles most likely to convert.

Benefits of using advanced segmentation: high-impact results

Adopting advanced audience segmentation directly impacts key campaign performance indicators. Highlights include increased conversion rates and optimized budget use, as messages reach the people who truly matter.

By directing offers based on behavioral profiles and transactional history, campaigns achieve greater efficiency. Budget waste decreases while audience engagement increases.

In-depth data analysis enhances message relevance, making media strategies more precise and adaptable. The result is a virtuous cycle of improved campaign Return On Investment (ROI) and strengthened brand-consumer relationships.

Main challenges in building data-rich audiences

Building data-rich audiences brings significant challenges. The first is obtaining quality data and integrating it across different platforms. Many companies face limitations when working solely with internal databases, which can create bias or restrict campaign reach.

Another critical point is the need to anonymize information while respecting user privacy. In the Brazilian market, the LGPD imposes clear rules for handling personal data. Notable sections include Article 7, which regulates data processing, and Article 18, which outlines data subject rights. Complying with these rules is essential to avoid legal risks and preserve public trust.

Interpreting profiles at scale also requires robust technological tools capable of analyzing large volumes of data without losing accuracy. Minimizing bias requires constant evaluation and updates to the data sources used, ensuring segmentation reflects real market conditions.

Practical steps for segmenting audiences with precision

The advanced audience segmentation process can be divided into several practical steps:

  • Definition of campaign objectives;

  • Collection and selection of relevant variables;

  • Data cross-referencing and enrichment using reliable sources;

  • A/B testing and real-time adjustments;

  • Validation of hypotheses with results dashboards and BI systems.

Creating a mind map to design clusters and personas helps visualize audience structure, making it easier to refine strategies based on audience response.

How do behavioral data enhance personalization?

Capturing browsing habits, social media interactions, and cross-channel behaviors is a major differentiator for hyper-personalized campaigns. Monitoring response time and user paths enables more appropriate approaches.

Retargeting and lookalike campaigns use behavioral data to identify potential customers with characteristics similar to active consumers. This strategy boosts engagement rates and improves campaign performance across media platforms.

The intelligent use of these data, combined with technology, turns personalization into a growth engine for agencies and brands seeking above-average performance.

Clustering and personas: building segments for greater relevance

Clustering techniques such as K-means are essential for identifying patterns within lead databases. This method groups consumers with similar characteristics, facilitating targeted marketing.

Designing personas based on real data provides segmentation aligned with audience behavior. The process involves analyzing transactional data, digital habits, and declared preferences, generating profiles that serve as references for social media activities and programmatic media.

These segments help increase campaign accuracy and communication efficiency, making media strategies more competitive.

The strength of demographic, psychographic, and transactional data

Demographic data — such as age, gender, and location — provide a starting point for understanding the audience. Psychographic data add insights into values, lifestyle, and motivations, enriching the analysis of what drives consumer decisions.

Transactional data detail purchase history, frequency, and average order value, which are key elements for campaign and offer personalization. Combining all these insights enables delivering tailored messages across digital channels, increasing marketing effectiveness.

Challenges and opportunities of omnichannel segmentation

Mapping and unifying touchpoints across different channels is a central challenge for omnichannel strategies. Integrating online and offline environments requires tools capable of consolidating data and creating a seamless user journey.

Activating audiences aligned with the consumption context at each stage of the funnel generates significant gains in conversion and retention. Major brands and agencies that invest in omnichannel segmentation have higher campaign alignment and stronger customer relationships.

Understanding multiple touchpoints expands engagement opportunities, making the consumer experience more consistent and relevant.

Measuring results and adjusting segmentation strategy

Measuring results is essential for data-driven campaigns. Metrics such as segmented conversion rate, cost per acquisition, LTV (Lifetime Value), and engagement at touchpoints indicate strategy effectiveness.

Dashboards and BI panels support real-time monitoring, enabling quick and precise adjustments. The process becomes cyclical: analyze, adjust, measure, evolve. Integrations with tools like those from Serasa Experian enhance monitoring and refinement of audience clusters, keeping campaign ROI high.

Differentials of Serasa Experian solutions: Mosaic and Insights Hub

Mosaic and Insights Hub stand out for their behavioral segmentation features, database enrichment, and advanced cluster visualization. These tools support media professionals in identifying opportunities and monitoring profiles in real time.

With automatic integrations to major media platforms, Mosaic and Insights Hub enable detailed analysis and agile actions. Full LGPD compliance, with transparency and data security, is another relevant differentiator.

Using these platforms makes advanced audience segmentation more accessible and strategic, supporting marketers in achieving superior results. Deepen your media strategies with advanced solutions and maximize campaign ROI across all channels.

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