User Cards 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 Cards
Describes the cards portfolio of the issuer and the status of the card per user
| Condition | Description |
|---|---|
| Cardholder | Target users who owns a credit card, debit card, a premium card or a Business card |
| Card name For each card in the issuer’s portfolio |
Target users based on the status of their cards:
|
Use case examples
Cardholder insights are highly powerful for every life-cycle targeted campaigns across channels, for example:
- Personalize experiences and messaging to encourage digital card usage and spend, based on user historical spending behavior and channels of spending.
- Personalize off-platform messaging and experiences to encourage usage and reduce churn for users who have recently lapsed, based on historical spend across categories and channels.
- Increase category diversity and drive card usage in specific categories by personalizing experiences for offers and incentives, targeting users based on their spending categories.
Prerequisites and limitations
- To get User Spend History, contact your account manager.
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.