Rivalry2

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Original 2026-02-18

Modified 2026-02-28

1 <h2>Leading the market into the next era of AI‑driven personalization</h2>

2 The personalization category is changing rapidly. What used to be centered on recommendations is now defined by multi‑modal AI, contextual understanding, and autonomous decisioning across every customer interaction. Experience OS is built for this next era:

3 <ul><li>Multi‑model, multi‑modal AI that interprets intent, emotion, visual cues, and contextual signals</li>

4 <li>AI agents that accelerate analysis, creation, and optimization</li>

5 <li>Unified orchestration across marketing, commerce, and service</li>

6 <li>Built‑in governance and Mastercard‑grade security</li>

7 <li>Open architecture that fits any stack</li>

8 </ul>This year’s recognition is strong validation of the path we’re on.

9 <h2>Product innovations that moved the needle this year</h2>

10 We’ve made major strides across the platform - not only in AI depth, but in real-world capability:

11 <a>Experience Search: AI-powered discovery, built for modern shoppers</a>-Our multimodal search engine now understands natural language, visual cues, attributes, and shopper intent - eliminating manual tagging and rules. It delivers fast, intuitive, personalized discovery that adapts instantly to each user, making it one of this year’s most transformative advancements in how consumers navigate digital commerce.

12 -A standout innovation this year, Shopping Muse redefined how consumers explore products online through natural‑language, conversational search. We expanded its reach with the new Shopping Muse API, enabling seamless integration across touchpoints, and drove strong commercial momentum with proven performance uplifts, solidifying Muse as one of the most impactful AI advancements across our system.

13 <a>Empathic Personalization Framework: understanding emotion in real-time</a>-AI analyzes real‑time behavioral signals to infer each consumer’s state of mind and adapt the experience instantly, driving more meaningful and emotionally connected interactions.

14 <a>The Mastercard differentiation, unique in the industry</a>-No other personalization engine activates aggregated, anonymized consumer spend insights the way we do. Our integrations power geographic spend patterns, category and lifestyle affinities, predictive spend models, card‑linked offers and incentives, and contextualized journeys in banking, travel, retail, and more.

15 As part of Mastercard, we benefit from an entire ecosystem of assets, not just data, but loyalty programs, media and commerce capabilities, and global consumer intelligence - giving us an advantage no other personalization engine can match. This is differentiation that cannot be replicated by others, and it’s now deeply embedded into Experience OS, our unified operating system for AI‑driven personalization.

16 While retail and commerce remain core strengths, this year we saw significant growth in financial services. Banks are turning to personalization to improve digital experiences, drive cardholder engagement, and differentiate in crowded markets. With our unique ability to activate Mastercard insights, run cookie-less experiences, and deliver turnkey journeys, Dynamic Yield is becoming the preferred path for issuers.

17 At the same time, we continue to expand across Retail & eCommerce, Grocery & CPG, Travel & Hospitality, Quick Service Restaurants, and more.

18 We are proving, year after year, that Dynamic Yields is truly vertical‑agnostic.

19 <h2>A recognition earned across the entire organization</h2>

20 Being named a Leader for eight consecutive years is something we never take for granted. It reflects the work of our engineering teams, data scientists, strategists, product leaders, Customer Success teams, marketers, and sellers - but equally, it reflects our customers.

21 Our customers challenge us, push us to innovate, share feedback openly, and partner with us to build personalization programs that succeed in a rapidly shifting landscape. Their ambition and loyalty inspire us to keep raising the bar and deliver solutions that meet real needs in the market.

22 We believe Gartner’s 2026 results confirm:

23 <ul><li>Our AI leadership</li>

24 <li>Our strategic clarity</li>

25 <li>Our innovation pace</li>

26 <li>Our enterprise readiness</li>

27 <li>And the unique strengths we gain as part of Mastercard</li>

28 </ul>We’re honored by this recognition, and even more energized to continue partnering with brands to deliver more relevant, meaningful, and responsible personalization.

29 Thank you for your continued trust and partnership.