Spending Patterns as a Window into Behavior

Every purchase carries a trace of intent. The choice between contractor-grade and budget options reveals more than product preference; it signals how people value quality, time, and craftsmanship. Quantiv’s Buyer Insights interprets these everyday decisions to help home-service businesses understand what truly motivates homeowners.

By analyzing thousands of anonymized transactions, Buyer Insights turns spending data into behavioral signals. These insights help contractors, CRMs, and home-service platforms recognize which homeowners are most likely to prioritize premium work, desire maintenance agreements, respond to financing offers, or seek cost-conscious solutions.

Understanding the Data Behind the Model

At the core of Buyer Insights is anonymized transaction intelligence provided by one of the world’s largest consumer data and analytics providers. This partnership allows Quantiv access to a privacy-safe, aggregated view of real-world spending behavior derived from credit and debit card activity.

Each transaction includes key indicators such as merchant category, purchase frequency, and average spend, which together build a clear picture of how consumers engage with the home improvement ecosystem. The data is then enriched using advanced classification algorithms that categorize activities into meaningful groupings such as home improvement retail, specialty suppliers, appliance stores, professional contractor services, and many more.

Quantiv’s own modeling layers tune the analysis specifically to detect behavioral patterns relevant to home services. For example, homeowners who frequently shop at building supply merchants or consistently spend in remodeling categories often exhibit “quality-focused” tendencies. In contrast, others who concentrate their purchases in discount outlets may align with a “value-first” profile.

This behavioral differentiation allows Quantiv’s partners to segment leads with remarkable precision, driving rapport, greater resonance with proposals, and more wins, without ever compromising consumer privacy.

From Transactions to Traits

The real strength of Buyer Insights lies in its ability to turn ordinary transaction data into personality-level understanding.

A homeowner who spends three times the average at home improvement stores may not just be completing a project; they may represent a mindset that values durability and design. Another homeowner who distributes smaller purchases across multiple discount retailers may reveal a more pragmatic approach.

Buyer Insights analyzes these patterns—frequency, amount, and location of homeowner spending—to reveal subtle clues about their buying preferences. These clues help identify whether a homeowner is inclined to choose higher-end materials, seek professional installation, or respond well to promotional financing.

Each model output reflects how people approach their homes as personal investments, not just physical structures.

Built for the Home Services Ecosystem

Buyer Insights was developed for the home improvement and contracting industries, not as a generic marketing tool. It integrates directly with CRMs and engagement platforms, enabling providers to instantly apply behavioral scores within their existing sales and marketing workflows.

For example:

• HVAC platforms can identify households receptive to long-term efficiency upgrades or prepaid, yearly maintenance agreements.
• Roofing CRMs can prioritize homeowners who show premium-minded spending patterns.
• Financing providers can tailor offers based on whether a homeowner tends to invest in quality or conserve cash flow.

By aligning marketing and outreach with authentic homeowner intent, Buyer Insights helps platforms increase engagement, reduce churn, and strengthen the connection between contractors and clients.

Privacy, Compliance, and Trust

Quantiv’s transactional data partner, a leading global credit and data intelligence company, provides fully anonymized, aggregated transaction data before modeling begins. Quantiv’s analytics operate entirely within a secure, privacy-safe framework that protects consumer information.

This approach ensures every insight remains ethical, compliant, and respectful of consumer privacy.

A Smarter Way to Understand Homeowners

Homeowners express their priorities every day through the way they spend. Quantiv’s Buyer Insights captures those signals and translates them into meaningful intelligence for the home services industry.

By combining advanced modeling with millions of consumer transactions, Buyer Insights enables businesses to see beyond demographics and genuinely understand the motivations behind each unique homeowner's behavior.

Every swipe tells a story. Buyer Insights helps you listen.
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Take it for a test drive. Click Try Quantiv and enter any residential address.
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