The Common Marketing Blindspot Fintech CMOs Are Missing

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blindspot
Nadav Shemer
Nadav Shemer
Dec. 31, 20204 min read
Creating a digital marketing strategy can be a stressful business at the best of times and certainly isn’t for the faint-hearted. Thankfully, there is a surefire way to attract and convert users while expending fewer resources. And it only requires a simple strategy tweak.

Nearly 70% of CEOs expect their chief marketing officer to lead revenue growth, according to the CMO Council. On the flip side, 89% of marketers do not think their digital marketing efforts are working, according to a joint survey by Demandbase and Wakefield Research.

One part of the problem is that many digital marketers are still wedded to demographic targeting. In 2020, targeting people based on age, gender, or income is like being a mortgage lender without an online presence: it’s outdated and won’t get you the best results.

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Is Your Demographic Strategy Failing? A Simple Way to Check

Granted, demographic targeting can be a useful tool for raising brand awareness and growing your audience, but it isn’t a silver bullet for driving revenue.

Here’s a good example:

A stereotypical gamer is a man aged 18-34. However, this cohort only accounts for 31% of mobile searches for video games (Think with Google).

A stereotypical gamer is a man aged 18-34 (only 31% of them actually search for video games). 

Two other examples:

Women account for 45% of all mobile searches for home improvement.

People living in households without children account for 40% of all baby product purchases.

So, if you only market baby products to families with babies, you’re missing almost half the market.

Until recently, digital marketers could get by only by targeting a portion of the market. But search engines have increasingly become a “pay-to-play game.” Paid ads typically capture the first 2 to 4 spots on Google search engine results pages, capturing around half of all clicks. Paid search has become increasingly more expensive, with keywords related to insurance, loans, and mortgages costing as much as $47-$55 per click, according to Wordstream. In this environment, marketers must focus on strategies that offer a better return on investment.

How to Drive ROI Without Blowing Your Budget on Paid Ads

While demographic marketing targets people based on who they are, intent marketing goes deeper by targeting users based on how they think, feel, and behave online.

We commissioned a major study about user behavior and preferences involving thousands of participants. It found that consumers felt bombarded by all the products and services marketed to them. The findings confirmed what behavioral economists call choice overload—a process in which people have difficulty making a decision when faced with too many options.

Choice overload - a process in which people have difficulty making a decision when faced with too many options. 

The best way to counteract choice overload is to present consumers with fewer options. This is something providers of 401(k) retirement plans clearly understood when they began offering each customer a default suggested portfolio; thirty-one flavors might work for Baskin and Robbins, but probably not for most other brands.

Although consumers want fewer choices, they still value their autonomy in the decision-making process. This forces brands to conduct a balancing act between having to offer the customer limited choices while still empowering the customer to compare and pick the best option on their own. As a 30-something consumer from New York said during a focus group, “Just bring the facts. I need to make my own decision.”

How to Identify User Intent Signals and Translate Them to Conversion

Users give away various signals regarding their intent while searching on Google. The higher the intent to purchase, the stronger the signal. Think of it like a peacock spreading its feathers to signal to a potential mate. When it comes to search queries, user intent and signals can be divided into 3 categories: navigational, informational, and transactional.

Let’s break them down:

Navigational: We’ve all been there; you need the phone number of a specific real estate agent, or to find out if your nearest grocery store is still open. The query is very straightforward. Something like “Trader Joe’s opening hours” or “sunglasses shop Harrisburg PA”.

Informational: When a user wishes to learn about a specific subject, they type search keywords such as “What is a mortgage.” This user is not necessarily in the market for a mortgage loan, but rather needs information regarding the concept of a mortgage. In this case, the first search result will probably be a Wikipedia entry.

Transactional: The intent to purchase is at its peak. There are 2 optional ways to search when in the transactional state. Either you type “State Farm auto insurance rates” or (and this is exactly where most marketers miss out on potential customers) a non-branded query such as “cheapest car insurance.”

Let’s take these 3 intent signals and look at the marketing potential they hold.

We recommend mapping these signals against brand consideration and purchase intent.

  • Navigational signals, (e.g.“State Farm” or “Progressive insurance rates”), indicate high brand consideration but reveal nothing about purchase intent. When it comes to branded search queries, companies can stick to their branded search campaigns and branded content.
  • Informational signals, (e.g. “What is non-standard auto?” or “Do I need life insurance?”), reveal nothing about brand consideration or purchase intent. Brands can win these customers over with the right combination of tactics, but there’s a high likelihood of the customer just bouncing between your site and competitors’ sites in a single session—just to learn.
  • Transactional signals, (e.g. “best coverage for new drivers” or “lowest car insurance rates”), indicate low brand consideration but high purchase intent. Transactional signals indicate that the user wants what they want as quickly, cheaply, and easily as possible.

This is exactly where you, as a savvy marketer, can sweep in and reap the rewards: providing content, comparison charts, and reviews, and allowing the user to easily compare their options and make the right purchase decision.

Your Blind Spot: Transactional Signals

All too often, digital marketers overlook the transactional buying signals. Users that send transactional signals are low on brand loyalty but high on purchase intent—and they constitute the silent majority!

To demonstrate, we looked at Google searches for auto insurance in June 2019. The top 5 search terms for Progressive Corp., the most searched car insurance provider in the US, amounted to a total of 272,000 user queries. By contrast, the top 5 non-branded searches for car insurance totaled 915,000 user queries—that’s more than 3.5 times the volume.

Users that send transactional signals are low on brand loyalty but high on purchase intent. 

If you don’t take on this blind spot, you’re going to have a tough run driving up ROI.

What about you?

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Nadav Shemer
Written byNadav Shemer

Nadav Shemer specializes in business, tech, and energy, with a background in financial journalism, hi-tech and startups. He enjoys writing about the latest innovations in financial services and products. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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