User Spend by Category is an Experience OS extension powered by the data of Mastercard. It's part of the Cardholder Spend Insights extension set for card issuers.
About Cardholder Spend Insights
User Spend By Category
Note that the condition This time last year means the following: The time period of the next 4 weeks, only from last year. So, for example, if today is December 1, 2023, the targeting is based on December 1-28, 2022.
| Condition | Description |
|---|---|
| Top spend categories | Target users who spend the most in the selected categories over the past 12 months |
| Top activity categories | Target users who made the highest number of transactions in the selected categories over the past 12 months |
| Category spend diversity | Target users based on their spend diversity in the various categories: High (spend across a high number of categories), medium, or low (spend across a low number of categories) in the past 12 months |
| Spend on category ($) | Target users based on their total spend value in a specific subcategory in the past 1, 3, 6, or 12 months or this time last year (the time period of the next 4 weeks, only last year) |
| Average Ticket Size | Target users based on their average transaction size in specific subcategory in the past 1, 3, 6, or 12 months or this time last year (the time period of the next 4 weeks, only last year) |
| Total number of transactions | Target users based on their number of transactions in a specific subcategory in the past 1, 3, 6, or 12 months or this time last year (the time period of the next 4 weeks, only last year) |
| Category | Subcategory |
|---|---|
| Apparel & Accessories | Children's Apparel |
| Family Apparel | |
| Women's Apparel | |
| Men's Apparel | |
| Miscellaneous Apparel | |
| Jewelry and Giftware | |
| Luggage and Leather Stores | |
| Sporting Goods / Apparel / Footwear | |
| Shoe Stores | |
| Automotive & Cars | Automotive New and Used Car Sales |
| Automotive Fuel | |
| Automotive Used Only Car Sales | |
| Automotive Retail | |
| Miscellaneous Vehicle Sales | |
| Education | College, University Education |
| Elementary, Middle, High Schools | |
| Miscellaneous Educational Services | |
| Electronics | Consumer Electronics / Appliances |
| Computer / Software Stores | |
| Camera / Photography Supplies | |
| Entertainment | Amusement, Recreation Activities |
| Casino and Gambling Activities | |
| Live Performances, Events, Exhibits | |
| Miscellaneous entertainment and recreation | |
| Movie and Other Theatrical | |
| Professional Sports Teams | |
| Video and Game Rentals | |
| Financial Services & Insurance | Financial Services |
| Insurance | |
| Grocery & Drug Stores | Beer / Wine / Liquor Stores |
| Drug Store Chains | |
| Grocery Stores | |
| Specialty Food Stores | |
| Health & Personal Care | Cosmetics and Beauty Services |
| Health / Beauty / Medical Supplies | |
| Home & Office | Home Furnishings / Furniture |
| Home Improvement Centers | |
| Office Supply Chains | |
| Media & Art | Arts and Craft Stores |
| Book Stores | |
| Music and Videos | |
| Newspapers and Magazines | |
| Giftware/Houseware/Card Shops | |
| Miscellaneous Publishing Industries | |
| Other | Advertising Services |
| Accounting and Legal Services | |
| Consumer Credit reporting | |
| Cleaning and exterminating Services | |
| Construction Services | |
| Courier Services | |
| Clothing, Uniform, Costume Rental | |
| Death Care Services | |
| Dry Cleaning, Laundry Services | |
| Employment, Consulting Agencies | |
| Equipment Rental | |
| Miscellaneous | |
| Information Retrieval Services | |
| Miscellaneous Administrative and Waste Disposal Services | |
| Manufacturing | |
| Miscellaneous Personal Services | |
| Miscellaneous Professional Services | |
| Maintenance and Repair Services | |
| Miscellaneous Technical Services | |
| Photofinishing Services | |
| Photography Services | |
| Public Administration | |
| Real Estate Services | |
| Software Production, Network Services and Data Processing | |
| Security, Surveillance Services | |
| Veterinary Services | |
| Warehouse | |
| Wholesale Trade | |
| Restaurants & Dining | Bars, Taverns & Nightclubs |
| Eating Places | |
| Retail Shopping | Agriculture/Forestry/Fishing/Hunting |
| Discount Department Stores | |
| Department Stores | |
| General Merchandise Stores | |
| Florists | |
| Pet Stores | |
| Toy Stores | |
| Wholesale Clubs | |
| Telecommunications & Cable | Communications, Telecommunications Equipment |
| Communications, Telecommunications, Cable Services | |
| Travel & Tourism | Accommodations |
| Travel Agencies and Tour Operators | |
| Airlines | |
| Bus | |
| Cruise Lines | |
| Vehicle Rental | |
| Railroad | |
| Other Transportation Services | |
| Taxi & Limosine | |
| Utilities | Utilities |
About Cardholder Spend Insights
Cardholder Spend Insights is a set of extensions designed for card issuers, to enable creating and targeting audiences in order to offer customers hyper-personalized experiences. The extensions use rich insights into users' past spending behavior and also leverage Mastercard's propensity modeling techniques to predict future behavior.
Working with Mastercard data
The extensions use datasets generated by Mastercard (covering Mastercard cardholders), which are then provided to each issuer.
Each data set is aggregated at the user level and captures insights based on the user's activity in the past 12 months. The data is updated weekly.