Credit-aware segmentation that powers smarter campaigns.
Audience Segmentation is Kikoff's productized targeting layer for enterprise partners. Define segments based on credit attributes — score ranges, utilization levels, progression milestones, enrollment status — and push those segments to your marketing tools, CRM, or in-app messaging via API.
Credit attribute-based segments
Build audiences by score range, bureau, utilization, tradeline age, dispute status, and credit-building progression — attributes that generic CRM tools can't access.
Dynamic segment refresh
Segments update automatically as user credit data changes. A user who crosses a score threshold moves into the right segment without manual list management.
API export to your marketing stack
Segment membership flows to your email platform, ad network, CRM, or in-app messaging via API — so campaigns run on live credit data, not stale exports.
Pre-built progression segments
Out-of-the-box segments for common use cases — newly enrolled, score milestone reached, plateau detected, requalification ready — so you launch targeted campaigns on day one.
Targeting infrastructure that turns credit data into campaign precision.
Reach the right users with the right message
Generic blast campaigns waste budget and annoy users. Credit-aware segmentation ensures your outreach targets users who are actually ready for the product or action you're promoting.
Trigger offers based on real credit milestones
A user who just crossed 680 is a different cross-sell candidate than one at 540. Segmentation by progression stage makes every campaign timely and relevant.
Re-engage users before they churn
Plateau detection and inactivity segments let you intervene with targeted nudges — credit coaching, feature reminders, or progression incentives — before users disengage entirely.
Enterprise-grade credit features, live within weeks.
Integrate
Connect via Kikoff's API. White-glove onboarding, sandbox testing, and compliance infrastructure included.
Reporting goes live
End users opt in inside your platform and their data starts flowing to the credit bureaus.
Kikoff handles the rest
Customer servicing, ongoing payment capture, and bureau partnerships. Your team stays focused on your product.
# Sync a credit-based audience segment curl https://sandbox.enterprise.kikoff.com/v1/segments/sync \
-H "Authorization: Bearer $API_KEY" \
-d '{
"segment_id": "score_milestone_680",
"destination": "crm"
}' # Response: 200 OK {
"segment_id": "score_milestone_680",
"member_count": 1284,
"last_refreshed": "2026-06-05T12:00:00Z"
}
Target smarter with credit data your competitors can't access.
Partnering with us means you focus on what you do best and let us do the building. Full, customizable functionality under your native brand experience.