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Consumer spending trends in 2012 much like last year are down, with purchases concentrated on necessities and where luxury items are only afforded to the rich wealthy one percent of the nation's wealthy. However the 1 % is not enough to sustain an economy and businesses have gone bankrupt due to consumers tightening their belts. The trends of selective buying by consumers will also negatively impact on the recovery of the economy which could take years.

Because the industry is so delicate, marketers must make sure they are focusing their efforts on the correct consumer audience for the most effective marketing ROI.

Solutions Tailored to the Credit Card Industry:

• Customer Profiles: V12 Group has significant experience developing customer profiles of each segment in client's customer bases. This insight into customer preference and behavior allows ad agencies to develop segment specific creative imagery, messaging and calls to action to ensure the right message goes to the right person. Ultimately ensuring marketing expense is focused on the right target.


• Modeling and Analytics: Today's marketers are under increasing pressure to drive growth and improve marketing ROI. As a result, the use of marketing intelligence is becoming more prevalent among mid- to large-sized organizations. Our customized modeling and analytic solutions provide actionable insights that can be leveraged to improve marketing performance. By leveraging both prospect and customer information across multiple diverse data sets, we can help you design strategies that will meet a wide variety of key marketing objectives.


• Consumer Data: V12 Group's multi-channel consumer file is one of the largest in the direct marketing industry. The database is a hybrid file built from compiled and proprietary data sources and combines postal, email, phone and mobile data, as well as 260+ selects to improve targeting. This includes demographic, geographic, lifestyle, interests, and behavioral data.


• Business Data: Our multi-channel Business Database is a hybrid file built from compiled and proprietary data sources and combines postal, email, and phone data, as well as more than 20+ selects to improve targeting. This includes firmagraphic and contact level demographic data.


• Data Enhancement: V12 Group uses a combination of list hygiene, data enhancement and append services to update all your customer touch points, including postal, email, phone and mobile. V12 Group's data enhancement helps eliminate duplicate records, and add missing or incomplete information to your existing business or consumer databases for better targeting and improved accuracy.


• Acquisition Email Marketing: With today's email inbox competition, merely delivering your email does not result in success - instead, you need to deliver relevant and creative email to your audience. V12 Group combines target audience, creative, call to action and campaign deployment and test each until we identify the right approach to that element. Typically testing will use 10 - 15% of total target audience. Upon identifying the highest performing combination we market to the remainder of the target audience. Result: Relevant campaigns that drive high response.


• Data Management Platform: At V12 Group, our team works with you to understand your business objectives and then we identify, consolidate and integrate the data from within your organization's disparate source systems into one consistent informational repository. The result is on-demand decision making environment that goes far beyond the capabilities of traditional operational systems or relational database management systems, without the capital intensity or risk associated with traditional data management related initiatives

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