Banks have come to understand that consumers reward tailored digital experiences with their wallets, and those that excel at meeting the demand for personalization see the benefits across every stage of the customer journey. Further, while even a foundational level of personalization can yield great results, the value grows exponentially as a company’s program matures. This is why over 8 in 10 financial institutions (FIs) acknowledge that personalization is a clear priority for their business.
However, the exponential revenue gains from personalization are increasingly difficult for banks to achieve today due to a number of common challenges pervading the industry, from compliance to sporadic and inconsistent data, the complexity of technology integration, as well as lack of internal resources and talent.
Given only 21% of bank customers today report receiving tailored advice or guidance when it comes to financial decisions, there remains a huge opportunity gap for personalization in Financial Services. But how can teams close it? Read on to learn more about how Dynamic Yield by Mastercard is making personalization a breeze and optimizing card spend for issuing banks, without the lift on their end.
Market-leading personalization tech. Proprietary Mastercard insights. Hands-free operation. Proven results.
Our new solution for issuing banks, Personalization Breeze, combines Dynamic Yield’s market-leading personalization offering with Mastercard’s propensity modeling to send individualized messages to cardholders that optimize spend and increase engagement. Dynamic Yield’s experts handle campaign execution, optimization, and maintenance, alleviating banks from tedious implementation and ongoing day-to-day operations, allowing them to focus on their core business — all while reaping the important benefits of personalization.
This offering is made possible with Mastercard’s proprietary AI models, which analyze more than 112BN transactions to predict where cardholders are more likely to spend next. Combine this with Dynamic Yield’s market-leading personalization technology for Financial Services that can target cardholders according to their historic and predicted spend, and deliver specifically curated and tailored incentives and benefits to individual customers, increasing relevance and optimizing card spend and engagement.
Leading Issuers reaping the rewards of personalization at lightning speed.
A leading bank in the Middle East aimed to acquire more cardholders for its premium portfolio. To achieve this, Mastercard’s proprietary AI models identified high-spending luxury customers who were most likely to upgrade to the premium card. Using these insights, Dynamic Yield by Mastercard created an automated program to trigger emails on behalf of the Issuer, informing customers about the benefits of upgrading. This campaign generated a 30% increase in the growth of the premium portfolio in only 3 months.
Other Issuers have experienced similar success. For one leading financial institution, Mastercard’s models identified cardholders with low spending in everyday categories. To help the Issuer motivate these low-spenders, Dynamic Yield by Mastercard developed a personalized email campaign with tailored incentives in categories like fuel and groceries, driving a 15% increase in everyday transactions and an incremental uplift of $2,388 additional spend per cardholder, per year.
To help another issuer boost travel spend, Mastercard’s AI models identified cardholders with a high propensity to spend on travel. Dynamic Yield by Mastercard leveraged these insights in personalized emails that matched the most relevant booking incentives to each cardholder predicted to travel, resulting in a 60% increase in travel transactions and an average uplift of $151 per cardholder in travel categories in only 3 months.
Choose from a rich catalog of use cases, delivered on your customers’ preferred channels.
As part of this solution, Issuers can select from a catalog of personalized campaigns crafted to optimize key performance indicators (KPIs) across the FI customer lifecycle, from acquisition and activation to retention. These campaigns can be executed across a range of channels, including email, in-app messages, app push notifications, and mobile content blocks, ensuring each interaction occurs on the channel most likely to capture cardholders’ attention.
For Issuers focused on acquisition, our solution can identify high-spending debit cardholders who would benefit from a credit card. By understanding the categories in which they are most likely to spend, we can send them an in-app notification linking to the most compelling incentive, thereby boosting credit card portfolio growth.
For those aiming to reduce attrition, we can target cardholders who have recently lapsed with personalized emails. Using Mastercard’s propensity models to determine where these cardholders are more likely to spend, we send tailored incentives in their most relevant categories, effectively winning them back.
Stay informed on performance with detailed insights.
The success of any personalization program hinges on the ability to monitor, measure, and report performance, ensuring we’re both delighting customers and achieving significant uplift. As part of this solution, Dynamic Yield monitors campaign performance across key digital and spend KPIs, such as click-through rates (CTR), engagement, spend, transaction count, and active card percentage.
These insights are compiled into a comprehensive Customer Program Scorecard, simplifying the process of sharing results with executive stakeholders.
Beyond sharing these insights, we leverage them to continually optimize the program and provide recommendations for additional use cases, unlocking even greater value from personalization.
Make personalization a breeze for your bank, today.
With the entry barriers removed and the power of Dynamic Yield by Mastercard to deepen customer understanding, there’s nothing stopping financial institutions and issuer banks from delivering better personalized experiences to their customers. Those that capitalize on the personalization opportunity will stimulate spend and build deeper relationships with their customers in every interaction, quickly gaining wallet share over competitors who fail to do the same.
Learn more about how we’re making personalization a breeze for financial institutions.
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href="https://www.dynamicyield.com/experience-os/"><span class="menu-banner-img-wrap"><img class="menu-banner-img-desktop" src="/wp-content/uploads/2024/10/expos-nav-updated.png" width="218" height="131" /><img class="menu-banner-img-mobile" src="/wp-content/uploads/2024/10/expos-nav-updated-mobile.png" width="114" height="98" /></span><span class="menu-cta-text-wrap"><span class="menu-cta-subtitle">Get an overview of Dynamic Yield’s product and see why we’re known as the Experience OS.</span> <span class="menu-cta-button">Learn more →</span></span></a></li></ul></div></li><li class="left"><div class="key_caps-wrapper"><h2>Core Capabilities</h2><ul class="links-list"><li class="key-caps-segment menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/segmentation/"><svg version="1.1" id="audience" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 30 30" style="enable-background:new 0 0 30 30;" xml:space="preserve"><path id="audience-green" fill="#4FB294" d="M9.291,30H30V9.291C18.562737,9.291,9.291,18.562737,9.291,30z"/><path id="audience-black" d="M12.527,15.947C9.240353,12.385597,4.806085,10.093244,0,9.471V30h7.639 C7.632218,24.897682,9.35532,19.943764,12.527,15.947z"/><circle id="audience-circle" fill="#4FB294" cx="15" cy="4.967" r="4.967"/></svg>Segmentation<span>Identify, build, and analyze audiences</span></a></li><li class="key-caps-omnichannel menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/targeting/"><svg version="1.1" id="personalization" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 20.987 30" style="enable-background:new 0 0 20.987 30;" xml:space="preserve"><path id="personalization-black-2" d="M20.987,19.507c0,5.795401-4.698099,10.4935-10.4935,10.4935S0,25.302401,0,19.507H20.987z"/><path id="personalization-pink" fill="#EE3968" d="M18.143,10.245c0,4.224978-3.425022,7.649999-7.65,7.649999S2.842999,14.469978,2.842999,10.245 H18.143z"/><circle id="personalization-black-1" cx="10.494" cy="4.307" r="4.307"/></svg>Targeting<span>Serve each customer with unique offers</span></a></li><li class="key-caps-recs menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/recommendations/"><svg version="1.1" id="recs" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 30 30" style="enable-background:new 0 0 30 30;" xml:space="preserve"><path id="recs_4" d="M15.953,30H30V15.953H15.953V30z"/> <path id="recs_3" d="M0,15.953V30h14.047V15.953H0z"/><path id="recs_2" fill="#FFA354" d="M30,14.047V0H15.953v14.047H30z"/><path id="recs_1" d="M14.047,0H0v14.047h14.047V0z"/></svg>Recommendations<span>Algorithmically predict customers’ interests</span></a></li><li class="key-caps-email menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/journey-orchestration/"><svg version="1.1" id="trigger" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 26.017 30" style="enable-background:new 0 0 26.017 30;" xml:space="preserve"><path id="trigger-black" d="M14.017,12h12l-12,18V12z"/><path id="trigger-purple" fill="#5D39B9" d="M12,18H0L12,0V18z"/></svg>Journey Orchestration<span>Reach customers at critical moments</span></a></li><li class="key-caps-abtesting menu-item menu-item-type-custom menu-item-object-custom"><a href="/optimization/"><svg version="1.1" id="testing" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 28.713001 30" style="enable-background:new 0 0 28.713001 30;" xml:space="preserve"><path id="testing-blue" fill="#6BDADA" d="M15.831,0c7.114532,0,12.882001,5.767468,12.882001,12.882S22.945532,25.764,15.831,25.764l0,0V0z"/><path id="testing-black" d="M12.882,30C5.767468,30,0,24.232533,0,17.118S5.767468,4.236,12.882,4.236V30z"/></svg>Optimization<span>Experiment on any digital property</span></a></li><li class="key-caps-search menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/search/"><svg width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_4082_5186)" id="cap-search-svg-bg"> <path d="M11.6757 9.81054C8.73958 9.81054 6.35089 7.42177 6.35089 4.48562C6.35089 2.62899 7.30664 0.992133 8.75134 0.0388074C8.50309 0.0155936 8.25193 0.00238037 7.99762 0.00238037C3.58066 0.00238037 0 3.58304 0 8C0 12.417 3.58066 15.9976 7.99762 15.9976C12.4146 15.9976 15.9952 12.417 15.9952 8C15.9952 7.86848 15.9916 7.73782 15.9853 7.60785C15.0166 8.94122 13.4462 9.81054 11.6757 9.81054Z" fill="black"/> <path id="cap-search-svg-circle" d="M11.6757 0.161346C11.2226 0.161346 10.7857 0.231773 10.3749 0.361649C8.62429 0.915114 7.35156 2.55436 7.35156 4.48561C7.35156 6.87003 9.29141 8.80988 11.6757 8.80988C13.5373 8.80988 15.1277 7.62753 15.7358 5.97437C15.9066 5.51 16 5.00851 16 4.48561C16 2.10119 14.0602 0.161346 11.6757 0.161346Z" fill="#FFC61E"/> </g> <defs> <clipPath id="clip0_4082_5186"> <rect width="16" height="16" fill="white"/> </clipPath> </defs> </svg>Search<span>Help customers find what they want</span></a></li></ul></div></li><li class="right"><div class="scale-wrapper"><h2>Made for Scale</h2><ul class="links-list"><li class="key_caps-element menu-item menu-item-type-custom menu-item-object-custom"><a href="/element/">Element<span>A groundbreaking new dimension of hyper-personalization</span></a></li><li class="key_caps-adaptml menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/ai/">AI & Automation<span>Increase automation, lower operational costs, and drive more revenue with a holistic AI personalization system</span></a></li><li class="key_caps-apis menu-item menu-item-type-custom menu-item-object-custom"><a href="https://www.dynamicyield.com/experience-apis/">Experience APIs<span>Give developers the tools they need to build the best customer experiences</span></a></li><li class="key_caps-enterprise menu-item menu-item-type-custom menu-item-object-custom"><a href="https://www.dynamicyield.com/enterprise-grade-personalization/">Enterprise solutions<span>Scale with security, privacy, and compliance, made for the enterprise</span></a></li></ul></div></li></ul><a href="/shopping-muse/" target="" class="banner"><div class="menu-banner"><span class="menu-cta-text"><strong>Meet Shopping Muse: </strong> Conversational commerce meets cutting-edge personalization.</span> <span class="menu-cta-button">Learn more →</span></div></a></div></li><li id="solutions" class="dropdown links"><a href="" class="label">Solutions</a><div class="content"><ul><li class="left"><div class="industries-wrapper"><h2>Industries</h2><ul class="links-list"><li class="industry-ecomm menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/ecommerce/">eCommerce</a></li><li class="industry-finserv menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/financial-services/">Financial Services</a></li><li class="industry-qsr menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/restaurants/">Restaurants</a></li><li class="industry-grocery menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/grocery/">Grocery</a></li><li class="industry-b2b menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/b2b-ecommerce/">B2B eCommerce</a></li><li class="industry-travel menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/travel/">Travel</a></li><li class="industry-gaming menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/gaming/">iGaming</a></li><li class="industry-media menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/media/">Media</a></li></ul></div></li><li class="right"><div class="channels-wrapper"><h2>Channels</h2><ul class="links-list"><li class="channels-web menu-item menu-item-type-custom menu-item-object-custom"><a href="/web/">Web<span>Create customer-centric web experiences</span></a></li><li class="channels-email menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/channels/email/">Email<span>Personalize emails with a no-code builder</span></a></li><li class="channels-mobile-apps menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/mobile/">Apps<span>Optimize mobile app experiences</span></a></li><li class="channels-ads menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/advertising/">Ads<span>Improve customer acquisition results</span></a></li></ul></div></li></ul></div></li><li id="why-dynamic-yield" class="dropdown links"><a href="" class="label">Why Dynamic Yield</a><div class="content"><ul><li class="impact-wrapper"><h2>Proven impact and success services</h2><ul class="links-list"><li class=" menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/clients/">Select customers</a></li><li class=" menu-item menu-item-type-custom menu-item-object-custom"><a href="/case-studies/">Case studies</a></li><li class=" menu-item menu-item-type-custom menu-item-object-custom"><a href="/customer-success/">Customer success services</a></li></ul></li><li class="scale-wrapper"><h2>Built for scale</h2><ul class="links-list"><li class=" menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/enterprise-grade-personalization/">Enterprise-grade solutions</a></li><li class=" menu-item menu-item-type-custom menu-item-object-custom"><a href="/adaptml/">AI Technology</a></li><li class=" menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/gdpr-and-privacy/">GDPR and data privacy</a></li><li class=" menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/security/">Security</a></li><li class=" menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/compliance/">Compliance</a></li></ul></li><li class="network-wrapper"><h2>Robust partner network</h2><ul class="links-list"><li class=" menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/partners/">Partner library</a></li><li class=" menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/partner-program/">Partnership program</a></li><li class=" menu-item menu-item-type-custom menu-item-object-custom"><a href="/partners/#technology-partners">Tech Partners and Integrations</a></li></ul></li><li class="resources-wrapper"><h2>Extensive product resources</h2><ul class="links-list"><li class=" menu-item menu-item-type-custom menu-item-object-custom"><a href="https://support.dynamicyield.com/hc/en-us">Knowledge Base</a></li><li class=" menu-item menu-item-type-custom menu-item-object-custom"><a href="http://academy.dynamicyield.com/">Academy & Certification</a></li><li class=" menu-item menu-item-type-custom menu-item-object-custom"><a href="https://support.dynamicyield.com/hc/en-us/community/topics">Community</a></li><li class=" menu-item menu-item-type-custom menu-item-object-custom"><a href="https://dy.dev/">API documentation</a></li></ul></li></ul><a href="https://www.dynamicyield.com/personalization-awards/" target="_self" class="banner"><div class="menu-banner"><div class="menu-cta--left"> <img src="/wp-content/uploads/2023/11/2023-award-badge.svg" width="60" height="60" /></div><div class="menu-cta--right"> <strong class="menu-cta-title">The Personalization Awards</strong> <span class="menu-cta-subtitle">Celebrating customers and partners setting the gold-standard for personalization</span> <span class="menu-cta-button">Learn more →</span></div></div></a></div></li><li id="company" class="dropdown button"><a href="" class="label">Company</a><div class="content"><ul class="links-list"><li class=" menu-item menu-item-type-custom menu-item-object-custom"><a href="https://www.mastercard.com/us/en/for-the-world/about-us.html">About us</a></li><li class=" menu-item menu-item-type-custom menu-item-object-custom"><a href="/blog/">Blog</a></li><li class=" menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/labs/">DY Labs</a></li><li class=" menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/careers/">Careers</a></li><li class=" menu-item 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exponential levels</a></li><li class="hidden-desktop menu-item menu-item-type-custom menu-item-object-custom"><a href="/learn/">XP<sup>2</sup> Hub<span>Take your knowledge to exponential levels</span></a></li><li class="resources-paths menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/learning-paths/">Learning Paths<span>Curated courses on key skill areas</span></a></li><li class="resources-webinars menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/talks/">Talks<span>Engaging discussions taking place in CX</span></a></li><li class="resources-articles menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/articles/">Articles<span>An expansive collection of in-depth playbooks</span></a></li><li class="resources-glossary menu-item menu-item-type-custom menu-item-object-custom"><a href="/glossary-terms/">Encyclopedia<span>A glossary of experience optimization terms</span></a></li><li class="resources-use-cases menu-item menu-item-type-post_type menu-item-object-page"><a href="https://www.dynamicyield.com/personalization-examples/">Inspiration Library<span>Personalization examples from real brands</span></a></li><li class="resources-maturity menu-item menu-item-type-custom menu-item-object-custom"><a href="https://www.dynamicyield.com/personalization-maturity/"><strong class="badge-new">Personalization Maturity</strong><span>How global businesses prioritize personalization</span></a></li><li class="resources-guides menu-item menu-item-type-custom menu-item-object-custom"><a href="/guides/">Guides & reports<span>Comprehensive topic-specific materials</span></a></li><li class="resources-benchmarks menu-item menu-item-type-custom menu-item-object-custom"><a href="https://marketing.dynamicyield.com/benchmarks/">Benchmarks<span>Industry performance metrics and insights</span></a></li></ul></li><li class="bottom"><a href="/rooted-personalization/" target="_self"><div class="menu-banner"><div class="menu-cta--left"> <img src="/wp-content/uploads/2023/03/rooted-icon.svg" width="60" height="60" /></div><div class="menu-cta--right"> <strong class="menu-cta-title">Rooted Personalization<span>new</span></strong> <span class="menu-cta-subtitle">Learn a scalable methodology for building an audience-based personalization program.</span> <span class="menu-cta-button">Find out more →</span></div></div></a></li></ul></div></li><li class="contact top-link walker-last mobile-only menu-item menu-item-type-post_type menu-item-object-page" data-content="connect-with-us" title=""> <a href="https://www.dynamicyield.com/contact/"><span class="button-arrow">Connect with us</span></a></li></ul><div class="bg-layer" aria-hidden="true"></div></div></div></li></ul></nav></div><div class="topnav-buttons"><div class="language-switcher header-language-switcher"><ul><li>en<ul><li><a class="active" 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class="button-inner"> XP² Newsletter </span> </a></div></div></div><div class="lc-progress-wrap"><div class="lc-scroll-progress"></div></div></header><article id="post-223780" class="et_pb_post post-223780 post type-post status-publish format-standard has-post-thumbnail hentry category-product tag-financial-institutions tag-personalization-breeze"><div class="article-content"><div class="article-breadcrumbs"> <a href="https://www.dynamicyield.com/blog/" title="Blog">Blog</a><ul class="post-categories"><li><a href="https://www.dynamicyield.com/blog/category/product/" rel="category tag">Product</a></li></ul></div><h1 class="article-title">Dynamic Yield by Mastercard Is Making Personalization a Breeze for Banks</h1><h2 class="article-excerpt">Mastercard’s predictive spend insights, activated through Dynamic Yield’s market-leading personalization technology, provide a new way for Issuers to optimize card spend — without the lift.</h2><div class="article-authors lc-flex"><div class="article-author-box lc-col lc-flex"><div class="article-author-image lc-col"><div class="entry_author_image"><img src="https://www.dynamicyield.com/wp-content/authors/yaniv-127.jpg" alt="Yaniv Navot" width="76" height="76" /></div></div><div class="article-author-title lc-col"><div class="article-author-name"> <a href="https://www.dynamicyield.com/blog/author/yaniv/" title="Posts by Yaniv Navot" rel="author">Yaniv Navot</a></div><div class="article-author-title-text"> CMO, Dynamic Yield</div></div></div></div><div class="entry-content article-entry-content"><p>Banks have come to understand that consumers reward tailored digital experiences with their wallets, and those that excel at meeting the demand for <a href="https://www.dynamicyield.com/article/personalization-guide/" rel="noopener" target="_blank">personalization</a> see the benefits across every stage of the customer journey. Further, while even a foundational level of personalization can yield great results, the value grows exponentially as a company’s program matures. This is why <a href="https://www.dynamicyield.com/personalization-maturity-report-for-finance-2023/" rel="noopener" target="_blank">over 8 in 10 financial institutions (FIs)</a> acknowledge that personalization is a clear priority for their business. </p><p>However, the <a href="https://www.dynamicyield.com/article/personalizations-exponential-value-financial-services/" rel="noopener" target="_blank">exponential revenue gains from personalization</a> are increasingly difficult for banks to achieve today due to a number of common challenges pervading the industry, from compliance to sporadic and inconsistent data, the complexity of technology integration, as well as lack of internal resources and talent. </p><p>Given only <a href="https://www.jdpower.com/business/press-releases/2023-us-retail-banking-satisfaction-study" rel="noopener" target="_blank">21% of bank customers </a>today report receiving tailored advice or guidance when it comes to financial decisions, there remains a huge opportunity gap for <a href="https://www.dynamicyield.com/article/personalization-in-financial-services-audience-strategy/" rel="noopener" target="_blank">personalization in Financial Services</a>. But how can teams close it? Read on to learn more about how Dynamic Yield by Mastercard is making personalization a breeze and optimizing card spend for issuing banks, without the lift on their end.</p><p><img fetchpriority="high" decoding="async" src="https://www.dynamicyield.com/wp-content/uploads/2024/07/dy-personalization-breeze-blog-inline-1-2.png" alt="Dynamic Yield's Personalization Breeze at a Glance" width="1330" height="663" class="alignnone size-full wp-image-223904" /></p><div style="font-size: 12px; margin-top: -10px; line-height: 1.3em; margin-bottom: 0px; max-width: 1330px; text-align: center;"><em>Learn more about <a href="https://www.dynamicyield.com/personalization-breeze/" rel="noopener" target="_blank">Personalization Breeze here.</a></em></div></p><h2><strong>Market-leading personalization tech. Proprietary Mastercard insights. Hands-free operation. Proven results.</strong></h2><p>Our new solution for issuing banks, <a href="https://www.dynamicyield.com/personalization-breeze/" rel="noopener" target="_blank">Personalization Breeze</a>, combines Dynamic Yield’s market-leading personalization offering with <a href="https://www.dynamicyield.com/element/" rel="noopener" target="_blank">Mastercard’s propensity modeling</a> to send individualized messages to cardholders that optimize spend and increase engagement. Dynamic Yield’s experts handle campaign execution, optimization, and maintenance, alleviating banks from tedious implementation and ongoing day-to-day operations, allowing them to focus on their core business — all while reaping the important benefits of personalization. </p><p>This offering is made possible with Mastercard’s proprietary AI models, which analyze more than 112BN transactions to predict where cardholders are more likely to spend next. Combine this with Dynamic Yield’s market-leading <a href="https://www.dynamicyield.com/financial-services/" rel="noopener" target="_blank">personalization technology for Financial Services</a> that can target cardholders according to their historic and predicted spend, and deliver specifically curated and tailored incentives and benefits to individual customers, increasing relevance and optimizing card spend and engagement.</p><p><img decoding="async" src="https://www.dynamicyield.com/wp-content/uploads/2024/07/dy-personalization-breeze-blog-inline-5-1.png" alt="" width="1330" height="543" class="alignnone size-full wp-image-223882" /></p><h2><strong>Leading Issuers reaping the rewards of personalization at lightning speed. </strong></h2><p>A leading bank in the Middle East aimed to acquire more cardholders for its premium portfolio. To achieve this, Mastercard’s proprietary AI models identified high-spending luxury customers who were most likely to upgrade to the premium card. Using these insights, Dynamic Yield by Mastercard created an automated program to trigger emails on behalf of the Issuer, informing customers about the benefits of upgrading. This campaign generated a <strong>30% increase</strong> in the growth of the premium portfolio in <strong>only 3 months.</strong></p><p><img decoding="async" src="https://www.dynamicyield.com/wp-content/uploads/2024/07/dy-personalization-breeze-blog-inline-2-1.png" alt="" width="1330" height="800" class="alignnone size-full wp-image-223867" /></p><p>Other Issuers have experienced similar success. For one leading financial institution, Mastercard’s models identified cardholders with low spending in everyday categories. To help the Issuer motivate these low-spenders, Dynamic Yield by Mastercard developed a personalized email campaign with tailored incentives in categories like fuel and groceries, driving a <strong>15% increase in everyday transactions</strong> and an incremental uplift of<strong> $2,388 additional spend</strong> per cardholder, per year.</p><p>To help another issuer boost travel spend, Mastercard’s AI models identified cardholders with a high propensity to spend on travel. Dynamic Yield by Mastercard leveraged these insights in personalized emails that matched the most relevant booking incentives to each cardholder predicted to travel, resulting in a <strong>60% increase in travel transactions</strong> and an average uplift of <strong>$151 per cardholder</strong> in travel categories in only 3 months.</p><p><img loading="lazy" decoding="async" src="https://www.dynamicyield.com/wp-content/uploads/2024/07/dy-personalization-breeze-blog-inline-3-1.png" alt="" width="1330" height="800" class="alignnone size-full wp-image-223872" /></p><h2>Choose from a rich catalog of use cases, delivered on your customers’ preferred channels.</h2><p>As part of this solution, Issuers can select from a catalog of personalized campaigns crafted to optimize key performance indicators (KPIs) across the <a href="https://www.dynamicyield.com/article/customer-lifecycle-personalization-for-financial-services/" rel="noopener" target="_blank">FI customer lifecycle</a>, from acquisition and activation to retention. These campaigns can be executed across a range of channels, including email, in-app messages, app push notifications, and mobile content blocks, ensuring each interaction occurs on the channel most likely to capture cardholders’ attention.</p><p>For Issuers focused on acquisition, our solution can identify high-spending debit cardholders who would benefit from a credit card. By understanding the categories in which they are most likely to spend, we can send them an in-app notification linking to the most compelling incentive, thereby boosting credit card portfolio growth.</p><p>For those aiming to reduce attrition, we can target cardholders who have recently lapsed with personalized emails. Using Mastercard’s propensity models to determine where these cardholders are more likely to spend, we send tailored incentives in their most relevant categories, effectively winning them back.</p><p><img loading="lazy" decoding="async" src="https://www.dynamicyield.com/wp-content/uploads/2024/07/dy-personalization-breeze-blog-inline-4-2.png" alt="" width="1330" height="700" class="alignnone size-full wp-image-223877" /></p><h2>Stay informed on performance with detailed insights.</h2><p>The success of any personalization program hinges on the ability to monitor, measure, and report performance, ensuring we’re both delighting customers and achieving significant uplift. As part of this solution, Dynamic Yield monitors campaign performance across key digital and spend KPIs, such as click-through rates (CTR), engagement, spend, transaction count, and active card percentage.</p><p>These insights are compiled into a comprehensive Customer Program Scorecard, simplifying the process of sharing results with executive stakeholders.</p><p>Beyond sharing these insights, we leverage them to continually optimize the program and provide recommendations for additional use cases, unlocking even greater value from personalization.</p><h2>Make personalization a breeze for your bank, today.</h2><p>With the entry barriers removed and the power of Dynamic Yield by Mastercard to deepen customer understanding, there’s nothing stopping financial institutions and issuer banks from delivering better personalized experiences to their customers. Those that capitalize on the personalization opportunity will stimulate spend and build deeper relationships with their customers in every interaction, quickly gaining wallet share over competitors who fail to do the same. </p><p><a href="https://www.dynamicyield.com/personalization-breeze/" rel="noopener" target="_blank">Learn more</a> about how we’re making personalization a breeze for financial institutions.</p></div></article><div style="clear: both;"></div></div></div><div class="article-content"><div class="article-separator"><svg width="54" height="26" viewBox="0 0 54 26" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M53.0088 25.6367C52.7884 21.9564 51.8025 18.3625 50.1141 15.0849C48.4256 11.8073 46.0718 8.9181 43.2031 6.60203L43.2031 25.6367L53.0088 25.6367Z" fill="black"/> <path d="M14.4395 3.59038C10.3237 5.69174 6.82743 8.83082 4.29638 12.6973C1.76533 16.5638 0.28711 21.0239 0.0078125 25.6367L14.4395 25.6367L14.4395 3.59038Z" fill="black"/> <path d="M17.6563 2.20809L17.6562 25.6367L39.9829 25.6367L39.9829 4.36701C39.9829 4.36701 30.7303 -2.31342 17.6563 2.20809Z" fill="black"/> </svg></div><div class="article-tags-block"> <strong>Categories:</strong><ul class="post-categories"><li><a href="https://www.dynamicyield.com/blog/category/product/" rel="category tag">Product</a></li></ul></div><div class="article-tags-block"><strong>Tags:</strong><a href="https://www.dynamicyield.com/blog/tag/financial-institutions/" rel="tag">financial institutions</a><a href="https://www.dynamicyield.com/blog/tag/personalization-breeze/" rel="tag">Personalization Breeze</a></div></div></div><section class="lc-subscription-section"><div class="lc-subscription-form-block lc-subscription-inner"><h4 class="lc-subscription-title">Sign up for the XP² newsletter</h4><div class="lc-subscription-text">Join thousands of readers from Target, Citi, Spotify, Hulu, Google, Sephora, and other innovative brands who read our bi-weekly XP² newsletter, delivering educational content, research, and insights straight to your inbox</div><form class="mktoForm" data-formId="3876" data-formInstance="sub-inline"></form><div class="lc-privacy-wrapper"><div class="lc-privacy"> You may unsubscribe at any time. 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'utm_campaign': 'txt_campaign_name__c',
'utm_term': 'txt_term__c',
'gclid': ['GCLID__c', 'GCLID_c__c']
};
for(var i = 0; i < Object.keys(dy_utms).length; i++) {
var ls_key = Object.keys(dy_utms)[i],
ls_value = localStorage.getItem(ls_key),
form_key = dy_utms[ls_key],
form_field;
if(ls_value) {
if(ls_key === 'gclid') {
ls_value = JSON.parse(ls_value).value;
}
if(typeof(form_key) === 'string') {
form_field = form[0].querySelector('input[type="hidden"][name="' + form_key + '"]');
if(form_field) {
form_field.value = ls_value;
}
} else {
for(var j = 0; j < form_key.length; j++) {
form_field = form[0].querySelector('input[type="hidden"][name="' + form_key[j] + '"]');
if(form_field) {
form_field.value = ls_value;
}
}
}
}
}
// IP Address
fetch('https://www.cloudflare.com/cdn-cgi/trace').then(function(result) {
result.text().then(function(values) {
values.split("\n").map(function(item) {
var pair = item.split('=');
if(['ip'].includes(pair[0])) {
form[0].querySelector('input[type="hidden"][name="IP__c"]').value = pair[1];
}
});
});
});
// GA ID and Referrer
var dy_utms_cookie = {};
document.cookie.split(';').forEach(function(el) {
var splitCookie = el.split('=');
var key = splitCookie[0].trim();
var value = splitCookie[1];
dy_utms_cookie[key] = value;
});
if(dy_utms_cookie["_ga"]) {
form[0].querySelector('input[type="hidden"][name="Visitor_ID__c"]').value = dy_utms_cookie["_ga"].substring(6);
}
if(dy_utms_cookie["personalize_referrer_string"]) {
form[0].querySelector('input[type="hidden"][name="Referral__c"]').value = dy_utms_cookie["personalize_referrer_string"].substring(6);
}
// ZoomInfo
if(localStorage.getItem('ZoomInfoData')) {
var zoominfo_data = JSON.parse(localStorage.getItem('ZoomInfoData'));
if(zoominfo_data) {
form[0].querySelector('input[type="hidden"][name="Alexa_Rank__c"]').value = zoominfo_data.alexaglobalrank;
form[0].querySelector('input[type="hidden"][name="Employees__c"]').value = zoominfo_data.employeesrange;
form[0].querySelector('input[type="hidden"][name="Company_Revenue_Range__c"]').value = zoominfo_data.estimatedannualrevenue;
}
}
// Also, dispatch a dataLayer event on success
_form.onSuccess(function(values, follow_up_url) {
window.dataLayer = window.dataLayer || [];
if([3739, 4802, 5094, 5110, 4946, 5076, 5116, 5171, 5172, 5173].includes(_form.getId())) {
window.dataLayer.push({
'event': 'demo_request_complete',
'eventCallback': function() {
if(follow_up_url) {
window.location.href = follow_up_url;
}
}
});
return false;
} else if([3876].includes(_form.getId())) {
window.dataLayer.push({
'event': 'newsletter_signup_complete',
'eventCallback': function() {
if(follow_up_url) {
window.location.href = follow_up_url;
}
}
});
return false;
}
});
});
}</script> <script>if(typeof(jQuery) !== 'undefined') {
$ = jQuery.noConflict();
}
function getUrlParameter(sParam) {
var sPageURL = decodeURIComponent(window.location.search.substring(1)),
sURLVariables = sPageURL.split('&'),
sParameterName,
i;
for (i = 0; i < sURLVariables.length; i++) {
sParameterName = sURLVariables[i].split('=');
if (sParameterName[0] === sParam) {
return sParameterName[1] === undefined ? true : sParameterName[1];
}
}
}
$(window).load(function(){
var videoID = getUrlParameter('video');
if(videoID !== undefined){
if($('#wistia-' + videoID + '-1').length){
var videoName = $('#wistia-' + videoID + '-1').parents('.tab-pane');
videoName = videoName[0].id
}
if($('a[href="#' + videoName +'"]').length){
$('a[href="#' + videoName +'"]').each(function(){
$(this).click();
});
}
addScript('https://fast.wistia.com/embed/medias/'+ videoID +'.jsonp');
addScript('https://fast.wistia.com/assets/external/E-v1.js');
$('body').append('<span class="wistia_embed wistia_async_'+videoID+' popover=true popoverContent=link dy-wistia-popup" style="display:inline"></span>');
window._wq = window._wq || [];
_wq.push({ id: videoID, onReady: function(video) {
var video = Wistia.api(videoID);
video.popover.show(); // open the popover
video.play(); // play the video
setTimeout(function(){video.unmute();}, 500);
}});
}
});</script> <style>#adBanner {
background-color: transparent;
height: 0;
width: 1px;
}</style><div id="wrapfabtest"><div id="adBanner"></div></div></body></html>
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