SME Portfolio Optimization

Develop a robust SME card portfolio

Optimize SME spend with a relevant and targeted marketing approach.

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76%

Of SMEs in the US still use personal credit cards for business purchases [1]

2.5x

Increase in revenues when an average SME becomes more engaged [2]

47%

GDV growth opportunity when SMEs use a business product [3]

[1] Mastercard for Small Business

[2] Mastercard Economics Institute

[3] Mastercard Economics Institute

Maximize SME portfolio growth

Mastercard’s advanced data and algorithms identify improvement areas and provide actionable recommendations.

Boost engagement and spending

Uncover new opportunities for increasing cardholder engagement, loyalty and spend.

AI-powered portfolio insights

Generate portfolio segmentations, historical KPIs and behavior predictions.

Smart strategies and audiences

Receive tailored strategy recommendations for each customer and access a robust library of marketing audiences.

Full lifecycle portfolio optimization

Our comprehensive, data-driven approach supports your SME clients from acquisition through retention.

Strategy and positioning

View portfolio health to create growth strategies, size opportunities and prioritize actions.

Evaluate performance

Use AI to identify high growth opportunities that enhance SME spend behavior.

Create relevant campaigns

Design marketing plans that engage SME cardholders, testing campaign construct and execution.

Measure business impact

Evaluate campaign effectiveness and identify future optimization opportunities.

What makes us different

Leverage Mastercard’s network-wide transaction intelligence to provide data-driven recommendations that enhance cardholder engagement and accelerate spending.

Unlock growth with unparalleled transaction data

Gain visibility into business specific spend patterns with precision and unlock targeted portfolio opportunities.

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Accelerate adoption with zero implementation effort

A simple, on-demand web interface means no integration effort is required.

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Utilize extensive domain knowledge

Leverage analytical support with deep expertise in the payments landscape, embedded within the platform.

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Case study

A Middle Eastern bank saw 40% growth in number of cards

A bank wanted to increase activation and volume by connecting with SME customers at each stage of their card relationship. Mastercard designed new early month on book (EMOB) communications, targeted upsell campaigns based on share of wallet, reactivated customers with reward offers and reported on campaign performance.

The bank saw 40% annual growth in number of cards, 4% increase in volume for existing customers, and 10% of inactive customers reactivated.