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Portfolio Optimiser

Maximise portfolio growth and spend

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

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50%

Acquisition costs can be reduced through personalised offers.

10%

Potential uplift in average spend through campaign optimisation.

75%

Boost in profitability through retention efforts.

Curated audiences for optimised 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.

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Boost cardholder spend

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

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Fuel business growth

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

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Reboot inactive cards

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

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Ready to optimise your portfolio? 

Access Portfolio Optimizer via Mastercard Business Intelligence. 

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Smarter marketing, stronger portfolios

Mastercard’s cutting-edge AI and analytics capabilities allow you to capitalise 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.

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Activate low performing cards

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

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Retain top-of-wallet cards

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

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Design, execute and measure your marketing programme

Analyser your current portfolio

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

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Identify and engage the right audience

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

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Action on prioritised recommendations

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

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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 cashback rewards were distributed

Portfolio optimisation solutions

Expand your portfolio potential

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

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SME Portfolio Optimisation

Drive consistent growth and retention in your business card portfolio.

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Portfolio Adviser

Actionable recommendations based on competitive benchmarks for enhanced customer experience.

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Mastercard Intelligence Centre (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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Book a demo

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

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