KLI

Key Lifestyle Indicators (KLIs) are what sets Segmint apart from the competition. KLIs allow the Segmint software to organize bank data in a way that benefits both banks and their customers.

The Segmint system is fed by a bank’s transaction systems. Credit and debit card transactions as well as ACH deposits and withdrawals and online bill payments are all received by the Segmint system, and sorted into groups no smaller than 1000 according to interests, activities, and events. Customers can be placed in one or more of hundreds of unique KLIs. By categorizing customers in this way, Segmint is able to deliver targeted, relevant, and timely offers to a bank’s most desirable customers.

KLIs can fall into one of two distinct categories: “activity-based” and “event-based”. Activity-based KLIs describe a customer’s interests and activities (e.g.: golfer, movie goer, etc.) while event-based KLIs represent life transitions (e.g.: graduation, marriage, etc.). To learn more about the two different types of Key Lifestyle Indicators, please click on the corresponding links to the left.

A word about privacy. Segmint requires that a Bank assign a unique, anonymous identification number to every customer before running any of the data through the Segmint system. The Segmint system is designed so that it never receives or contains a customer’s name, street address, social security number, account number(s) or any other identifier that could be used to link a piece of data to a customer. In other words, an example Bank customer “John Smith” becomes “Customer 123456” before the data is fed into the Segmint system. The Segmint system performs all of its data analysis using only the customer identification number and returns results like “The following customers should be shown a Bank home equity loan banner: 123456, 234567, etc.”. The customer’s actual identity does not exist in the Segmint system.