Skip to main content

Portfolio Optimizer

Maximize portfolio growth and spend

Curate audiences, enhance engagement and drive long-term loyalty through data-driven, personalized marketing campaigns.

Request info
Businessman in office looking at digital tablet

Please accept functional cookies to watch this video.

poster

50%

Of acquisition costs can be reduced through personalized offers.

10%

Potential uplift in average spend through campaign optimization.

75%

Boost in profitability through retention efforts.

Curated audiences for optimized impact

Portfolio Optimizer drives portfolio growth through customized recommendations and powerful data visualization tools.

Improve portfolio performance

Gain insight into credit and debit performance and identify clear growth opportunities.

Chart line icon

Boost cardholder spend

Identify target segments and customers likely to deliver the most financial uplift.

Card holder icon

Fuel business growth

Develop best-in-class, targeted marketing campaigns that align with business objectives.

Presentation icon

Reboot inactive cards

Evolve and improve campaign strategy to target high-value accounts with inactive cards.

Payment confirmation icon

Ready to optimize your portfolio? 

Access Portfolio Optimizer via Mastercard Business Intelligence. 

Sign in

Smarter marketing, stronger portfolios

Mastercard’s cutting edge AI and analytics capabilities allow you to capitalize on real-time data and accelerate targeted marketing campaigns.

Promote travel and cross-border spending

Identify relevant behaviors and connect with customers through timely engagements.

Airplane icon

Activate low performing cards

Re-engage dormant cards with targeted strategies that boost usage and portfolio value.

Card add icon

Retain top-of-wallet cards

Ensure cards are the go-to choice for customers at the moment of purchase.

Contactless payment icon

Design, execute and measure your marketing program

Analyze your current portfolio

Dive into cardholder data using dynamic visualization tools to uncover behavior patterns and pinpoint growth opportunities.

Portfolio Optimizer screenshot

Identify and engage the right audience

Leverage a rich library of customizable audience segments to deliver more targeted, impactful campaigns.

Portfolio Optimizer screenshot

Action on prioritized recommendations

Review tailored recommendations and quantify potential gains to confidently guide your marketing strategy.

Portfolio Optimizer screenshot
Man and woman discussing business while getting coffee

Case study

A bank wanted to drive cross-border spend among inactive cardholders


A large UAE issuer hoped to uncover new segment opportunities within their high-value cardholder portfolio by promoting cross-border spending.

Using Portfolio Optimizer, the bank offered 5% cashback to cardholders via SMS, email and push notifications, creating a landing page for customers to find out more.

The results:

  • $2.6m increase in incremental card spend 
  • 237% return on investment
  • 41k customers responded to the offer, a 35% overall response rate
  • $90k cash back rewards were distributed

Portfolio optimization solutions

Expand your portfolio potential

Mastercard enables issuing banks to strategically acquire, onboard and nurture customers and unlock strategic growth.

Database icon

SME Portfolio Optimization

Drive consistent growth and retention in your business card portfolio.

Learn more
Document details icon

Portfolio Advisor

Actionable recommendations based on competitive benchmarks for enhanced customer experience.

Learn more
Innovation icon

Mastercard Intelligence Center (MIC)

Real-time data integration and actionable insights for better-informed business decisions.

Learn more
Card icon

Cards Lab

Design and enhance card launches, from card selection to go-to-market offerings. 

Learn more

Featured resources

Book a demo

Request a personalized demo to learn how Mastercard can enhance your business through our products and services.

Book a demo
Mastercard