What is Mosaic Financial?

Mosaic Financial is the latest evolution in financial segmentation from Experian, formerly known as Financial Strategy Segments (FSS). It’s designed to decode the financial characteristics of UK consumers with greater precision, relevance, and actionable insight, enabling smarter activation across offline, digital, and analytical environments. 

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Built specifically for financial services and adaptable for wider consumer sectors, Mosaic Financial classifies 52 million UK individuals and 30 million households into 17 high-level Groups and 56 detailed Types. These segments provide a rich, actionable view of: 

  • Life stage and affluence 
  • Financial product purchases and holdings
  • Channel preferences 
  • Attitudes toward money, risk, and financial planning 
  • Lifestyle behaviours and preferences 

This depth of insight enables organisations to: 

  • Target with precision across acquisition, retention, and growth strategies - we’ve helped brands cut cost per acquisition by up to 80% through smarter segmentation.
  • Personalise offerings based on financial mindset and life context, with tailored messaging proven to lift conversion rates by nearly 19% in real campaigns.
  • Drive customer lifetime value through smarter cross-sell and upsell, identifying headroom and boosting engagement for existing customers.
  • Improve marketing efficiency by aligning products and messaging with real consumer needs, with campaigns achieving significant response uplifts when focused on high-potential audiences.
  • Make regional and national location-based decisions with robust consumer intelligence, concentrating spend where audiences are most engaged for maximum impact.

Why leading teams use Mosaic Financial

Trusted, compliant data foundations

Powered by Experian’s ConsumerView, Mosaic Financial uses verified age and residency data to ensure segmentation is accurate, compliant, and marketing-ready, giving teams confidence in every campaign.

Market leading consumer transparency

Experian’s data processing approach has been formally validated, and we lead the industry in consumer transparency. We’re the only provider to proactively notify individuals on the Open Electoral Roll, giving consumers real control over their data.

Backed by a leading research

Mosaic Financial draws on attitudinal insight from a panel of over 200,000 YouGov respondents - one of the largest and most robust sources in the market - ensuring segments are grounded in real consumer sentiment.

Granular Al driven household segments

We’ve strengthened the underlying segmentation by increasing the proportion of input data attributes at household level to 84%. This release is built on robust ConsumerView data, combined with new data and refreshed attitudinal inputs. This gives a far sharper picture of behaviours, interests, and financial contexts, supporting more accurate segmentation.

Built for Financial Services

Mosaic Financial reflects how UK consumers live their financial lives, not just what products they hold, but how they think, plan, and engage with money, making it highly relevant for banks, lenders, insurers, and wealth managers.

Actively used by other sectors

Experian's insight fits naturally beyond financial services, offering clear value for retail, utilities, telecoms, charities, and public sector teams.

Multiple routes to CRM enrichment

Mosaic Financial can be added to your CRM in the way that suits you, from straightforward data uploads to real-time API integration — giving your customer records instant depth.

Easy omnichannel activation

Execute cross-channel campaigns with ease - spanning CRM, social, CTV, programmatic, OOH, and direct mail - by leveraging pre-packaged Mosaic Financial audiences available across leading media and marketing platforms.

Cross-sector impact: How Mosaic Financial drives smarter marketing 

Mosaic Financial is used by marketing teams across banking, lending, insurance, and wealth management - alongside consumer brands offering financial products and services. It helps marketers and insights teams understand how UK consumers think and behave financially, so they can segment more effectively, personalise campaigns, and improve marketing performance.

Explore Mosaic Financial profiles

Mosaic Financial segments the UK population into 17 groups and 56 types based on shared demographics, lifestyles and financial characteristics, each with a unique name - like ‘A – Financial Fledglings’ - with detailed consumer insights to support targeted engagement. 

Take a more in-depth look at both Mosaic Financial Group and Type segments or explore some of the audiences available within our data taxonomy. 

Explore groups and types now

Uncover audience segments with a visual, easy-to-use insight platform

Experian’s intuitive Segmentation Portal hosts all of our segmentation products and is easy to access and navigate. It puts powerful insight right at your fingertips, so you can get straight to planning and activating smarter campaigns.

Within the platform, you can map geo-location insights, compare segments, drill down into the data, and profile your customer data, giving you a deeper understanding of who your audiences are, where they live, and what drives their financial decisions. 

This means your teams can plan campaigns, optimise media spend, and tailor messaging that connects more meaningfully with the people you want to reach. 

Want to find out more? Get a personalised walkthrough and discover the untapped potential in your audience.

Request a demo

Who uses Mosaic?

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Experian help Vanquis tailor direct debit activation communications

"Tailoring our Direct Debit activation communications to the top five FSS customer profiles made our messages more relatable — and more effective. By aligning tone, imagery, and context to how each customer segment thinks and feels about financial control and peace of mind, we achieved a 60% uplift in Direct Debit activations compared with control."
Nadia Zaheer, Group Head of Data Science [ML & AI], Vanquis Banking Group

Experian help Lambeth Council better understand the impact of the cost of living crisis on its residents

"The Experian data has been crucial in helping us plan for potential increases and anticipate our residents' financial situations. The geographic breakdown of the data has been especially helpful, as it provides us with a more tangible basis for decision-making, beyond just tables or lists."
Abbigail Sancto, Data Analyst, Lambeth Council

Read full case study

Get in touch to find out how Mosaic Financial can help your business

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