Toss Ads Audience Analysis Report” examines user characteristics and ad response by age group
High sign-up and revisit rates among users in their 20s—ideal for brand campaigns
Strong ad engagement from users in their 40s and 50s—high conversion potential

Viva Republica, the operator of the financial super app "Toss," released the “Toss Ads Audience Analysis Report,” which analyzes user characteristics and ad engagement by age group. The report is available publicly on the Toss Ads website.

The report examines how users aged 10 to 50 interact with Toss services and respond to advertisements. The goal of the report is to help marketing professionals develop more precisely customized advertising strategies and optimize their use of Toss Ads.
The analysis revealed clear differences in user interests and behaviors across age groups. The younger the user, the higher the sign-up and revisit rates. Teen users showed the highest engagement, with a revisit rate exceeding 90%. Their most frequently used services include the “USS Card,” a prepaid card designed for teens, and “Tosspay.”
The most active users in the app were users in their 20s, with 94% of this age group signed up for  Toss. They also show a revisit rate of over 88%, with frequent usage of money “Transfer” and “Tosspay.” Due to their high engagement levels, brand awareness campaigns have been found to be particularly effective for this group.
Users in their 30s are financially stable with strong purchasing power, actively engaging in various spending activities. This group responds most sensitively to personalized services and benefits, making them a prime target for businesses across multiple industries.
Conversion rates were found to be higher among older users, making 40s and 50s a key demographic for well-targeted ad campaigns with strong potential for success.
Toss users in their 40s are quick to adopt new trends and technology, with frequent purchases through home shopping and online platforms. Their most-used service is “Toss Shopping,” and the “Live Shopping” feature has proven to be an effective advertising space, allowing brands to showcase their products and services aligned with the interests of this user cohort.
Users in their 50s showed the most positive response to advertisements, with a CTR (unique click-through rate) exceeding 70%. They primarily engage with app-based reward services, such as “Toss Walk” and “Open Toss Together”, which incentivize participation through points and benefits.
“The Toss Ads Audience Analysis Report is the first user analysis we are releasing since launching our ads business two years ago,” said Hyungbin Kim, Toss’ Ads & Benefits Leader. “We hope that marketing professionals from various companies will leverage Toss Ads to develop sophisticated advertising strategies and effectively reach their target audiences.”


Toss Ads Audience Analysis Report” examines user characteristics and ad response by age group
High sign-up and revisit rates among users in their 20s—ideal for brand campaigns
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Toss Releases User Analysis Report for Toss Ad