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Optimize card portfolios

Drive spend throughout the entire cardholder cycle

Refine portfolio strategies to enhance efficiencies and unlock new areas of growth.

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$1t in GDV

In unlocked market potential for benchmarked issuer portfolios

2-3x

Increase if the same portfolios are elevated to best-in-class levels

75%

boost in profitability through retention efforts

Mastercard provides agility to issuing banks like us in the process of creating new card value propositions. We greatly value the competitiveness map compared to market peers.

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Know what moves your market

Uncover meaningful performance opportunities by combining data, AI-driven analytics and advanced benchmarking.

Stay ahead of market shifts

 Proactively adapt to changing market dynamics with agile strategies to stay competitive.

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Unlock new growth opportunities

 Identify untapped regions and segments to expand your reach and drive sustaintable portfolio growth.

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Enhance security and satisfaction

Boost transaction safety, reduce card declines and elevate customer experience with smarter risk controls.

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Drive higher cardholder spend

Continuously monitor portfolio performance to uncover spend potential and maximize customer value.

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Ready to optimize your portfolios?

Access Mastercard’s card portfolio solutions via Mastercard Business Intelligence.

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From acquisition to activation

Target high-impact growth areas

Identify the most valuable performance enhancements to drive meaningful portfolio results.

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Create value-driven action plans

Colloborate on strategic plans backed by proven recommendations tailored to your goals.

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Execute targeted initiatives

Partner with customers to launch impactful programs that increase engagement and conversion.

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Measure results and scale success

Track performance, assess effectiveness and expand what works across your portfolio.

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Optimize your portfolios

Covering each phase of the cardholder lifecycle

Strategically acquire, onboard and nuture customers, while identifying growth opportunities.

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Portfolio Optimizer

Personalized campaign creation for curated audiences that uncover portfolio growth strategies. 

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Portfolio Advisor

Actionable recommendations based on competitive benchmarks for enhanced customer experience. 

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Mastercard Intelligence Center (MIC)

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

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Cards Lab

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

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Case study

A bank reactivated dormant cards, leading to increased activity and spend


A large Asian bank wanted to improve portfolio performance by increasing cardholder activity. With new market regulation requiring that cards be terminated after 18+ months of inactivity, the bank decided to focus on reactivating inactive cards. 

Portfolio Optimizer identified inactive high-value cardholders and pinpointed those with strong potential to reactivate their cards. The accounts were then strategically targeted through personalized campaigns.

The results:

  • +48% high reactivation rate 
  • +3.9% monthly spend increase vs. historical spend 

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

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