At a recent banking conference, we asked a group of 60 industry leaders a simple question: “How many of you think your company has enough data?” 59 in 60 were confident they did. The marketing hurdle in the loan industry isn’t a lack of data. It’s how to mine that data, find what’s useful, spot trends, identify targets and reach those targets with an effective call to action. This isn’t simple. In fact, the more useful data you have, the more complex data mining and market segmentation can be.