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Mastercard Intelligence Center (MIC)

Drive more informed business decisions

Empowering issuers with actionable portfolio insights for faster, data-driven decision making.

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poster

100+

Portfolio analysis dimensions

220bn+

Transactions analyzed in real time

Uncover portfolio growth opportunities

Providing near real-time intelligence through centralized payment analytics, actionable insights and competitive benchmarks.

Optimize spend levels

Analyze frequency patterns with customer behaviors to identify actions for spend levels.

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Pinpoint card decline reasons

Identify actions required for optimizing card-present vs. card-not-present approval performance.

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Improve loyalty campaigns

Identify the most loyal customers and tailor campaigns for rewards and upgrade potential.

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Safeguard against fraud

Assess chargeback patterns across the transaction lifecycle to identify various risk flags.

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Ready to optimize your card portfolios? 

Access Mastercard Intelligence Center (MIC) via Mastercard Business Intelligence.

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Refine portfolio strategies and enhance efficiency

Our comprehensive, data-driven methods identify vulnerabilities in portfolio performance across the cardholder lifecycle.

Understand critical datasets

Including authentication, authorization, declines, fraud, chargebacks, interchange and digital.

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Utilize centralized analytics

Democratize data access across your business for a single source of truth. 

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Get data-driven alerts

Monitor specific business thresholds with systems alerts and direct email notifications.

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Utilize competitive benchmarks

Isolate under-performance relative to competition to target and improve business strategies.

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Flexible deep-dives

Drill down on KPIs and analyze data by merchant, time period, channel, geography, issuer and more.

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Gain instant insights

Use automatic data updates to reduce the time and resources required to generate performance analysis.

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Empowering users at every level to drive business outcomes

Compare business performance against industry benchmarks and reveal growth opportunities.

Assess issuing performance

through pre-built and curated dashboards.

Compare against industry peers

to identify new growth opportunities.

Stay informed

on issues and opportunities with data alerts.

Manage business performance

with overarching portfolio reviews and focus area deep dives.

Report on portfolio performance and identify optimization opportunities.

Utilize self-service analytics

to create custom reports based on specific needs.

Monitor and analyze

key performance indicators through automated reports.

Use data alerts

to quickly identify and respond to potential issues.

Get strategic insights

curated by Mastercard’s industry experts.

Uncover relevant insights from large datasets.

Analyze large datasets

at speed and uncover significant insights.

Deploy advanced visualization

to easily understand and interpret big data.

Get granular insights

on issues by deep-diving into rich payments data.

Leverage Mastercard’s experts

to answer data questions and build relevant dashboards to regularly review performance.

What makes us different

Performance insights at your fingertips

Regularly track portfolio performance across specific sectors and time periods. 

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End-to-end lifecycle analysis

Assess activation rate, tailor rewards to loyal customers, track spending behavior and identify areas for spend optimization.

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Deep operational intelligence

Gain visibility into card-present and card-not-present approvals, fraud patterns, decline reasons and chargeback rates. 

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Digital behavior expertise

Evaluate digital adoption, measure its influence on spend KPIs and monitor MDES and token performance.

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Case study

A bank identified root causes of slow spend growth in specific customer segments



A leading issuer in North America needed to analyze their portfolio to identify key factors influencing slow spend growth.

Using Mastercard Intelligence Center, the bank identified two areas where they significantly lagged behind the competitive benchmark:

  • Growth in active cards (2% vs 21%) 
  • Growth in average ticket (-0.5% vs 4%)

The bank developed personalized campaigns and incentives to boost spend, creating a +$450m opportunity by targeting low activity spenders and customers with lower spend per card.

Portfolio optimization solutions

Expand your portfolio potential

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

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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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Cards Lab

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

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Featured resources

Book a demo

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

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