Mosaic Hong Kong

Mosaic Hong Kong
The Consumer Classification for Hong Kong
Upper Echelons Expats and the Privileged Matured Wealthy Elite Professionals Rising Sophisticates
Well-to-do Well-off Families Yo u n g E x e c u t i v e s
Emerging Middle Class New Mortgagees Government Quarters Middle-class Pleasure Mature Home Owners
Suburban Locals O l d To w n E m p t y - n e s t e r s Settled Workers Comfy Countryside Rural Heritage
Compact City Life Urban Practicals Bargain Seekers
Comfy Subsidised Homes New Couples and Kids Growing Families Mature Stability Extended Family Life
Grass Roots Living Blue Collar Parents Basic Life Pursuits
Community Challenge Nuclear Renters Striving Multi-earners Aging Generations
Grey Perspectives Elders Community Retiree Families Sunset Simplicity
Communal Homes Communal Homes
Welcome to the new generation of consumer classifications for Hong Kong.

Over the last 20 years, Experian has established itself as a leading global provider of consumer segmentation. Our objective is to provide decision makers with the tools and services they need to successfully implement direct marketing and micromarketing strategies within their business. Whether you wish to target, acquire, manage or develop profitable customer relationships, we aim to provide the best segmentation solutions to help your business grow. Mosaic Hong Kong takes its place amongst a global network of Mosaic segmentation that classifies a billion people worldwide, covering a third of the earth's surface. Mosaic Hong Kong
Mosaic Hong Kong is the second generation of the Mosaic consumer segmentation system that describes Hong Kong consumers. It is a geo-demographic segmentation system that classifies all Hong Kong households and neighbourhoods into 29 unique Mosaic types and 10 groupings that share similar demographic and socio-economic characteristics. Mosaic was developed based on more than 20 years of segmentation development expertise from one of the global leaders in segmentation systems. Experian has built more than 40 consumer segmentation systems around the globe, and the Mosaic classification is available in more than 25 countries. The result is a classification that paints a rich picture of Hong Kong consumers in terms of their socio-demographics, lifestyles, culture and behaviours to provide you with an accurate and comprehensive view of your customers, prospects and markets.
How is Mosaic built?

Over the last 20 years, Experian has built more than 40 segmentation solutions worldwide. This gives us valuable insight into the best sources of data and methodologies to build truly innovative segmentation. To build Mosaic, the following approaches were taken:
Clustering
Mosaic is designed to identify groupings of consumer behaviour for households and neighbourhoods. The methodology we use is unique to Experian, and has been refined during many years of creating classifications using data from different sources and different levels of geography. The first step is to combine information from other higher levels of geography and statistically project to each building. All the input variables go through a selection process, where they are tested for discrimination, robustness and their correlation to other variables. Once the final list of variables is selected, a set of input weights is applied as part of the
Identification of the most appropriate data sources as inputs A sophisticated proprietary approach to clustering, unique to Experian Extensive analysis to assist in validation and
interpretation of the segmentation.
Data Components
clustering process. The result is a list of variables that have differing importance to the clustering methodology, depending on how well they discriminate at differing levels of geography. This "bottom-up" approach enables us to maximise the effectiveness of each input variable depending on its relative importance to the classification and its ability to discriminate. It allows for the optimisation of data and creates a classification that is truly best of breed.
Quantitative data
Data used to build Mosaic Hong Kong is sourced from the 2001 Population Census - this will be updated once the results of the 2006 Population By-census become available. This set of data includes most of the demographic variables such as age, gender, educational level, household size and composition, household income, personal
income, marital status, usual language, occupation, industry, economic activity status, tenure of accommodation, and type of housing.
Mosaic Factors
Mosaic Factors is a distillation of the underlying
The information is updated regularly and used to replenish our view of the classification each year. As of end 2006, the projected coverage is 2.3 million households and 7 million
data used to build Mosaic Hong Kong, summarised into five continuous variables that are ideal for statistical modelling. The variables are: Wealth - Poverty Homeowner - Renter Professional - Non Professional Elderly - Youth
individuals.
Traditionalist - Individualist
Mosaic applications
Available for each building, Mosaic optimises customer management, market planning, site analysis, acquisition tactics and targeting strategies. This unique connection between household and geography enables marketers to effortlessly utilise targeted segments across all stages of analysis, planning and execution.
Market analysis
Mosaic is a powerful tool for identifying, analysing and evaluating customer opportunities and market potential at national, regional and local market areas.
Penetration of Mosaic Group F - Comfy Subsidised Homes
Marketing and planning applications for Mosaic include the following: Customer and prospect profiling Direct/Target marketing Customer acquisition modelling Campaign analysis Communication messaging and creative design Choosing store locations, branch/service areas Geographic/Market analysis and mapping Selecting and buying advertising media New product development Strategic planning
Target marketing
Enhancing your customer data with Mosaic identifies key market segments and untapped opportunities.
Site selection
Mosaic can help pinpoint the best sites and trade areas for maximising sales potential.
Site analysis for Mosaic target group
Customer profiling by Mosaic Group
The Mosaic Hong Kong Family Tree

The Mosaic Family Tree illustrates the major demographic and lifestyle polarities between the types and groups and shows how the Mosaic types relate to each other.
Mosaic Hong Kong Groups and Types

Mosaic classifies households in Hong Kong by allocating them to one of 29 types and 10 groups.
Note: Type C11 - University Residences has been regrouped under J30 - Communal Homes
Mosaic Hong Kong Groups and Types

Group A: Upper Echelons Group B: Well-to-do
Upper Echelons ()
Well-to-do () Well-off couples and families enjoying a comfortable lifestyle. 6.56% of Hong Kong households (Types B05 - B06)
The Well-to-do's represent the second wealthiest households in Hong Kong. They live in urban private apartments with a comfortable living environment and convenient transportation. Some residences are well-equipped with modern clubhouse facilities.
Wealthy families with an upscale and privileged lifestyle. 8.59% of Hong Kong households (Types A01 - A04)
The Upper Echelons represent the wealthiest households in Hong Kong. They live in the richest areas in luxury mansions, new upscale apartments or
low density houses. They outrank all other Groups in terms of household income, property value and career achievements. Most of them are successful business executives in
The Well-to-do's are college/ tertiary educated and well-qualified. They work as executives, managers and white-collar professionals. Their income and affluence level are well above average, and this gives them an upper-middle class lifestyle. They work hard and play hard. They are also active in the investment market. The Well-to-do's are segmented into two Mosaic Types: B05 - Well-off families () Middle-aged parents living with dependent children in better quality homes, like Bedford Gardens ( ), Mei Foo Sun Chuen ( (). ), and some
professional and top managerial positions in the finance, services and public sectors. Members of this group are predominantly college/ tertiary educated. They are confident in their life and career. They are active in the investment market, and plan well for retirement and their children's
education. They tend to read English newspapers. They own more cars and high-end AV equipment, and travel abroad more frequently than other Groups.
The Upper Echelons are segmented into four Mosaic Types: A01 - Expats and the Privileged () The most affluent local and expatriate families in luxury homes. They are the top 1% of Hong Kong
buildings on Caine Road () and Bonham Road
B06 - Young Executives () Young upwardly mobile singles and couples living in comfy urban homes like Fortress Metro Tower ( ) on King's Road (), Whampoa Garden Block 1-12 (1-12), and Nob Hill () in Lai King ().
households and live in areas like Shouson Hill ( ), Repulse Bay () and the Peak (). A02 - Matured Wealthy () Mature successful families in large desirable homes on Mount Davis Road (), Braemar Hill
Mansion (), and part of Oxford Road ( ). A03 - Elite Professionals () Single and double income professionals living in upscale residences like Beacon Heights () and Palm Spring (). A04 - Rising Sophisticates () Trendy and wealthy managers and associates living in modern apartments such as South Horizons ( ) and Island Harbourview ().
Group C: Emerging Middle Class
Group D: Suburban Locals
Group E: Compact City Life
Emerging Middle Class () Stable and educated families of moderate affluence. 15.46% of Hong Kong households (Types C07 - C10)
Members of the Emerging Middle Class are better off than the average families. Many of them are managers, white collar workers, mid-ranking civil servants or disciplined service officers. They are well educated and earn an income that is above average.
Suburban Locals () Diverse income households in old towns and suburban outskirts. 11.45% of Hong Kong households (Types D12 - D15)
The Suburban Locals live in old towns near the city or in the suburban and countryside areas. Most of them are secondary school educated and work as blue collars or elementary-level white collars. They tend to earn an income that is slightly below
Compact City Life () Families focused on budget in high density city areas. 9.86% of Hong Kong households (Types E16 - E17)
Compact City Life neighbourhoods are high density city areas in Hong Kong amidst bustling retail and trade activities. Typical properties are relatively small single blocks, situated on main streets with high traffic flow, which provide convenient access to various transportation, restaurants, shops and entertainment locations. This Group has the highest concentration of people speaking Putonghua and Chinese dialects other than Cantonese.
They live in near-urban private developments or government quarters. Half of them have an outstanding mortgage, which may explain why they tend to work hard and keep non-essential spending to a minimum. People in the Emerging Middle Class are segmented into four Mosaic Types: C07 - New Mortgagees () Young families with mortgages in new near-urban apartments such as Sea Crest Villa (), and Tung Chung Crescent (). C08 - Government Quarters () Civil servant families living in government quarters. Most of them are mid-ranking disciplined service officers. They live in quarters owned by the government like Western Police Married Quarters ( ) in Western District and Castle Peak Government Quarters () in Tuen Mun (). C09 - Middle-class Pleasure () Typical mid-income families and homeowners, and most of them live in apartments like New Jade Garden () in Chai Wan (), and Telford Gardens () in Kowloon Bay (). C10 - Mature Home Owners () Long-term homeowners and empty nesters in urban or near-urban establishments like Healthy Gardens () in North Point (), Wyler Garden ( ) in Tokwawan (), and Luk Yeung Sun Chuen ( ) in Tsuen Wan ().
average, and are more cautious in spending money than others. The Suburban Locals are segmented into four Mosaic Types: D12 - Old Town Empty-nesters () Mature small households owning or renting homes in older parts of Kennedy Town () and Tai Wai (). D13 - Settled Workers () Working homeowners and sharers in old urban communities such as Kwan Yick Building () in Sai Wan (), Tung Fat Building () in North Point (), Yuen Fat House () in Yuen Long (). D14 - Comfy Countryside () Mid income families in better suburban homes like Pak Tin Pa Tsuen () in Tsuen Wan (), and also Fanling Wai (). D15 - Rural Heritage () Traditional extended families in long-standing rural developments such as Cheung Chau () and Peng Chau ().
Residents are mostly mature small families or young singles having moved out of their parents' home to live independently. Households in Compact City Life are segmented into two Mosaic Types: E16 - Urban Practicals () Mid-income city dwellers living in busy retail districts such as Lockhart Road () area in Wan Chai ( ) and Peel Street () in Central (). E17 - Bargain Seekers () Low income co-tenants and small families in crowded city areas such as Shanghai Street () in Mongkok (), and parts of Sham Shui Po ( ).
* The former type C11 - University Residences has been regrouped under J30 - Communal Homes.
Group F: Comfy Subsidised Homes
Group G: Grass Roots Living
Comfy Subsidised Homes () Mid-to-low income families living in urban and suburban subsidised homes. 16.22% of Hong Kong households (Types F18 - F21)
Comfy Subsidised Homes are inhabited by lowermiddle class families residing in better quality public
Grass Roots Living () Average families in affordable public blocks. 10.62% of Hong Kong households (Types G22 - G23)
Grass Roots Living symbolise the average households living in large public housing complexes in urban or new town areas. In many cases, parents, children and elderlies live together. There is a high proportion of young and teenage children within this group. The adults tend to have relatively low education. Most of them work in manufacturing, wholesale or construction. The younger ones work as shop sales or elementary office workers. They earn an income that is below average. Their apartments are managed and owned by the government. The rent of those apartments is relatively low among public apartments. Some of the public blocks have a small shopping centre with supermarkets, wet markets, kindergartens and bus stations nearby.
apartments subsidised by the government. They either live in subsidised apartments, mostly in the new town areas, or in high-end public rental estates. Many of them are young and growing families with school-age or grown-up children, and often living
with their elderly parents. Most of them have completed secondary school education, earning average income. They work in a variety of occupations, as white collar workers, shop sales and service workers.
The Comfy Subsidised Homes are segmented into four Mosaic Types: F18 - New Couples and Kids () Young couples and families with a mortgage in better
People in Grass Roots Living are segmented into two Mosaic Types: G22 - Blue Collar Parents () Worker families with teenage children living in public blocks near transportation hubs such as Fu Cheong Estate ( ) in Sham Shui Po ( ) in Shatin (). ), and Hin Keng Estate (
quality subsidised homes like Aldrich Garden () in Shaukeiwan (), Charming Garden ( ) in Yaumatei (). F19 - Growing Families () Families with school age children and owners of
subsidised homes in New Towns such as Siu Hei Court () in Tuen Mun () and Yan Ming Court () in Tseung Kwan O (). F20 - Mature Stability () Mature families and owners of older subsidised
G23 - Basic Life Pursuits () Worker families with young children located in new town public blocks like Leung King Estate ( Tuen Mun () and Tin Shui Estate ( Shui Wai (). ) in ) in Tin
apartments through "Tenants Purchase Scheme" like Chuk Yuen North Estate ( Estate ( ) and Fung Tak ) in Wong Tai Sin ().
F21 - Extended Family Life () Extended families renting subsidised apartments in urban outskirts such as Siu Sai Wan Estate ( ), and also Wang Tau Hom Estate ( Fu (). ) in Lok
Group H: Community Challenge
Group I: Grey Perspectives
Group J: Communal Homes
Community Challenge () Unskilled older families living in urban public housing complexes. 9.74% of Hong Kong households (Types H24 - H26)
Community Challenge represents the economically disadvantaged households. These households tend to be less educated and earn a low income. Most adults have completed primary school education only. They take up elementary jobs such as service and shop workers, craft workers, manual and construction workers. There is a high proportion of students and home-makers. Without much disposable income, these households tend to conduct their daily activities around the estates in which they live. The need for community activities for youngsters and retired seniors is high in these areas. The estates are government-owned and the rent is low. However, the living environment is rather crowded. Some of these households are receiving social security assistance.
Grey Perspectives () Modest seniors and retirees in very old public blocks and communities. 10.96% of Hong Kong households (Types I27 - I29)
The Grey Perspectives are comprised of a significant proportion of retirees and elderly people. They are mostly uneducated and unskilled. Almost all of them are living in the most primitive public housing owned by the government.
Communal Homes () Non income earning communities including elderly homes, monasteries, prisons and university residences. 0.55% of Hong Kong households (Types J30)
The Communal Homes are comprised of people not in the workforce. They typically live in a communal environment. This group includes:
They used to work as manual workers, craftsmen, and manufacturing or construction workers. Elderlies in these areas have limited activities, and most are under social security and family welfare schemes. The living condition in these public rental blocks is poor and crowded. The housing was built mostly before 1970s or 1980s. The Grey Perspectives are segmented into three Mosaic Types: I27 - Elders Community () students living in university or college campus residences Primitive older families and seniors located in public estate like So Uk Estate ( ). ) in Lai Chi Kok ( prisoners and juvenile delinquents living in correctional institutions and rehabilitation centres senior citizens who have retired and are living in old people's homes managed by commercial or non-profit-distributing organisations monks and nuns living in monasteries
Households belonging to Community Challenge are segmented into three Mosaic Types: H24 - Nuclear Renters () Low income nuclear families in new town public blocks such as Yau Oi Estate ( (), and Long Ping Estate ( (). H25 - Striving Multi-earners () Older blue collar families in new town and suburban public estates like Lok Wah North Estate ( and Cho Yiu Estate ( ). ) ) in Tuen Mun ) in Yuen Long
I28 - Retiree Families () Extended families of very low income living in public estate such as Lai Kok Estate ( Wan (). I29 - Sunset Simplicity () Old single people retired from unskilled manual work. More than 90% of them live in public rental estates such as Tai Hang Tung Estate ( Mei (). ) in Shek Kip ) in Cheung Sha
H26 - Aging Generations () Borderline extended families and elderlies in old remote public blocks such as Ap Lei Chau Estate ( ), and Choi Wan Estate ( ).
Mosaic Global
Mosaic Hong Kong is part of the Mosaic Global network of consumer segmentation systems. The Mosaic classification is available in more than 25 countries, including most of Western To describe Mosaic Global, Experian decided upon a set of groups that are consistent across the countries and that could be used as classifications. The Mosaic Global groups are: A Sophisticated Singles B Bourgeois Prosperity C Career and Family D Comfortable Retirement E Routine Service Workers F Hard Working Blue Collar G Metropolitan Strugglers H Low Income Elders I J Post Industrial Survivors Rural Inheritance
Europe, the United States, Australia and Asia Pacific. Mosaic Global is a consistent segmentation system that links each of these classifications and covers a billion of the
world's consumers. It is based on a simple proposition that the world's cities share common patterns of residential segregation. Using highly localised statistics, Experian has identified 10 distinct types of residential
neighbourhood, each with a distinctive set of values, motivations and consumer preferences.
The Mosaic Global groups are mapped against two dimensions: affluence and geographic location.
Visualisation
To help illustrate the classification and make Mosaic easy to interpret, we have created a set of comprehensive support materials.
List Selection Once you know who your customers are, your can use Mosaic in your acquisition campaigns to target your best prospects by selecting lists from Experian's partners based on the key and top performing Mosaic segments.
Mosaic eHandbook a detailed electronic guide to Mosaic that provides a background to the typology and lists the variables used to build the classification, a key to the structure of the Groups and Types, and illustrations of the demographic and lifestyle characteristics of each household Type and neighbourhood.
Modelling and Analytics Mosaic can be used as an element in customer and acquisition modelling development, as an added selection criteria when pulling modelled lists, or on the front-end and back-end of customer profiling and campaign analysis. Our consulting teams can undertake more detailed
Data, Services and Solutions

Data directories
Mosaic Directory License is a lookup file containing residential buildings and their assigned Mosaic code. Customer files can be enriched with a Mosaic code by simply matching the building from a customer or prospect record to the Mosaic directory.
predictive modelling and consumer analysis using Mosaic and other data assets.
Solutions
Micromarketer Generation3 is an integrated geographical analysis tool that provides customer profiling, catchment (trade area) definition, sales territory analysis, data modelling, mapping and visualisation in an easy-to-use software application. Available for
Mosaic Distribution License provides geographic counts for each Mosaic Type for various Census, market and postal geographies. Files can be used for market analysis and planning and can be easily integrated into geographical information systems (GIS) and mapping applications.
use on your desktop PC, or using data available across a network, Micromarketer Generation3 provides you with access to the very latest in geographical analysis technology.
Mosaic Coder is an intelligent tool that interprets free-format Hong Kong addresses, in English and Chinese, and assigns a Mosaic
Delivery services
Enhancement Mosaic Type and Group codes are available at the building and neighbourhood levels for customer file enhancement. Coding your customer, prospect and survey files is your first step in understanding who your customers really are. Enhancement is available on a license or ad hoc basis.
Code to each customer address. Mosaic Coder is part of Experian's Smart-Address software that performs address cleansing, matching and coding.
About Experian Ltd

Experian is a global leader in providing analytical and information services to organisations and consumers to help manage the risk and reward of commercial and financial decisions. Combining its unique information tools and deep understanding of individuals, markets and economies, Experian partners with organisations around the world to establish and strengthen customer relationships and provide their businesses with competitive advantage. For consumers, Experian delivers critical information that enables them to make financial and purchasing decisions with greater control and confidence. Clients include organisations from financial
About Business Strategies

Experian's Business Strategies Division provides an understanding of consumers, markets and economies in the UK and around the world, past, present and future. Our focus is consumer profiling and market segmentation, retail property analysis, economic forecasting and public policy research, supporting businesses, policy makers and investors in making tactical and strategic decisions. As part of the Experian group, it has access to a wealth of research data and innovative software solutions. The division's economic research team is devoted to analysing national, regional and local economies for a range of public and private sector clients. Its statisticians, econometricians, sociologists, geographers, market researchers and economists carry out extensive research into the underlying drivers of social, economic and market change.
services, retail and catalogue, telecommunications, utilities, media, insurance, automotive, leisure, e-commerce, manufacturing, property and government
sectors. Experian Group Limited is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE-100 index. It has corporate headquarters in Dublin, Ireland, and
operational headquarters in Costa Mesa, California and Nottingham, UK. Experian employs more than 12,500 people in 34 countries worldwide, supporting clients in
more than 60 countries. Annual sales are 1.7 billion. For more information, visit the company's
website on www.experiangroup.com
Experian Hong Kong Ltd 43/F The Lee Gardens 33 Hysan Avenue Causeway Bay Hong Kong T: 852 (0) 2839 5388 F: 852 (0) 2877 7803
Experian Embankment House Electric Avenue Nottingham NG80 1EH United Kingdom T: 44 (0) 115 968 5151 F: 44 (0) 115 968 5003
www.business-strategies.com.hk
2007 Experian Ltd All rights reserved 04/07

Mosaic Hong Kong

Enviado por

Dados do documento

Direitos autorais

Formatos disponíveis

Compartilhar este documento

Compartilhar ou incorporar documento

Opções de compartilhamento

Você considera este documento útil?

Este conteúdo é inapropriado?

Direitos autorais:

Formatos disponíveis

Mosaic Hong Kong

Enviado por

Direitos autorais:

Formatos disponíveis

Mosaic Hong Kong

The Consumer Classification for Hong Kong

Well-to-do Well-off Families Yo u n g E x e c u t i v e s

Suburban Locals O l d To w n E m p t y - n e s t e r s Settled Workers Comfy Countryside Rural Heritage

Compact City Life Urban Practicals Bargain Seekers

Grass Roots Living Blue Collar Parents Basic Life Pursuits

Community Challenge Nuclear Renters Striving Multi-earners Aging Generations

Grey Perspectives Elders Community Retiree Families Sunset Simplicity

Communal Homes Communal Homes

Welcome to the new generation of consumer classifications for Hong Kong.

How is Mosaic built?

Well-to-do Well-off Families Yo u n g E x e c u t i v e s

Suburban Locals O l d To w n E m p t y - n e s t e r s Settled Workers Comfy Countryside Rural Heritage

interpretation of the segmentation.

Grass Roots Living Blue Collar Parents Basic Life Pursuits

Community Challenge Nuclear Renters Striving Multi-earners Aging Generations

Grey Perspectives Elders Community Retiree Families Sunset Simplicity

Communal Homes Communal Homes

Penetration of Mosaic Group F - Comfy Subsidised Homes

Customer profiling by Mosaic Group

The Mosaic Hong Kong Family Tree

Well-to-do Well-off Families Yo u n g E x e c u t i v e s

Suburban Locals O l d To w n E m p t y - n e s t e r s Settled Workers Comfy Countryside Rural Heritage

Compact City Life Urban Practicals Bargain Seekers

Grass Roots Living Blue Collar Parents Basic Life Pursuits

Community Challenge Nuclear Renters Striving Multi-earners Aging Generations

Grey Perspectives Elders Community Retiree Families Sunset Simplicity

Communal Homes Communal Homes

Mosaic Hong Kong Groups and Types

Mosaic Hong Kong Groups and Types

Well-to-do Well-off Families Yo u n g E x e c u t i v e s

Compact City Life Urban Practicals Bargain Seekers

Grass Roots Living Blue Collar Parents Basic Life Pursuits

Community Challenge Nuclear Renters Striving Multi-earners Aging Generations

buildings on Caine Road () and Bonham Road

Grey Perspectives Elders Community Retiree Families Sunset Simplicity

Communal Homes Communal Homes

Group C: Emerging Middle Class

Group D: Suburban Locals

Group E: Compact City Life

Group F: Comfy Subsidised Homes

Group G: Grass Roots Living

Well-to-do Well-off Families Yo u n g E x e c u t i v e s

Suburban Locals O l d To w n E m p t y - n e s t e r s Settled Workers Comfy Countryside Rural Heritage

Compact City Life Urban Practicals Bargain Seekers

Grass Roots Living Blue Collar Parents Basic Life Pursuits

Community Challenge Nuclear Renters Striving Multi-earners Aging Generations

Grey Perspectives Elders Community Retiree Families Sunset Simplicity

Communal Homes Communal Homes

Group H: Community Challenge

Group I: Grey Perspectives

Group J: Communal Homes

Well-to-do Well-off Families Yo u n g E x e c u t i v e s

Suburban Locals O l d To w n E m p t y - n e s t e r s Settled Workers Comfy Countryside Rural Heritage

Compact City Life Urban Practicals Bargain Seekers

Grass Roots Living Blue Collar Parents Basic Life Pursuits

Grey Perspectives Elders Community Retiree Families Sunset Simplicity

Communal Homes Communal Homes

Data, Services and Solutions

About Experian Ltd

About Business Strategies

Well-to-do Well-off Families Yo u n g E x e c u t i v e s

Suburban Locals O l d To w n E m p t y - n e s t e r s Settled Workers Comfy Countryside Rural Heritage

Compact City Life Urban Practicals Bargain Seekers