It’s time to make personalization a breeze
A unique solution from Mastercard Dynamic Yield, Personalization Breeze helps issuers optimize card spend with effortless personalization and hands-free operation
Forget the old ways of personalization; we've made card spend optimization a breeze.
We’ve combined Dynamic Yield’s market-leading personalization with Mastercard’s propensity modeling to help you send tailored offers to cardholders through their preferred channels. We call it Personalization Breeze.
With Personalization Breeze, you can deliver personalized messages without the burden of tedious implementation or continuous maintenance. This hands-off approach ensures immediate time-to-value, maximizing spend and engagement.
Personalization Breeze is powered by Mastercard’s proprietary prediction models, which analyze over 175BN transactions to understand cardholder behavior and needs. These insights enable you to target cardholders’ according to their historical and predicted spend.
With barriers removed and Mastercard insights at your disposal, there’s no limit to enhancing the customer experience. Act now to reap the rewards of personalization and sign up for Personalization Breeze today.
Activate personalization today
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"We have introduced a new solution for issuing banks called Personalization Breeze. It combines our market-leading personalization offering with our propensity modeling to send individualized messages to cardholders."
Optimize card spend with
personalization that is:
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Uncomplicated: We simplify personalization delivery by optimizing program strategy and delivery for you
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Fast: Quick to activate without the heavy implementation lift
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Differentiative: Personalization reflects a deeper understanding of each customer thanks to Mastercard’s proprietary models and spend insights
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Value-First: Designed to deliver on the KPIs that matter most, from upsell and cross-sell to spend stimulation and retention.
Everything you need and more
Personalization Breeze is the only personalization solution on the market with access to Mastercard’s proprietary spend insights, predicting cardholder behavior with unparalleled accuracy.
We activate these exclusive insights through Dynamic Yield’s market leading personalization engine, enabling Issuers to send highly relevant and tailored messages to each customer, optimizing card spend and engagement.
Dynamic Yield’s experts handle campaign execution, optimization, and maintenance, alleviating banks from tedious implementation and ongoing day-to-day operations. This allows banks to focus on their core business while their hands-free personalization program generates measurable results.
Mastercard’s proprietary spend insights utilize advanced AI models to analyze over 112 billion transactions, identifying patterns and predicting future spending behavior.
These insights help issuers to understand where cardholders are most likely to spend next, allowing for the delivery of personalized offers and incentives that are highly relevant to each cardholder’s spending habits.
This targeted approach not only enhances the customer experience but also drives increased engagement and spend.
Personalization campaigns with Breeze can be delivered via email, in-app messages, app push notifications, and mobile content blocks. This range of options ensures each interaction occurs on the channel most likely to capture your cardholders’ attention.
With Personalization Breeze, issuers can select from a catalog of personalized campaigns crafted to optimize key performance indicators (KPIs) across the customer lifecycle, from acquisition and activation to retention.
Here is a sampling of these use cases and the KPIs they influence:
Cross sell debit to credit: Target high spending debit cardholders with personalized messaging to encourage them to apply for a credit card
Activate online card spend: Motivate debit cardholders who primarily use their card at ATMs to start using their card for online and POS transactions.
Boost card usage and everyday spend: Engage cardholders with a high likelihood of spending in everyday categories with tailored incentives to increase everyday purchases on their card
Stimulate spend in travel: Target cardholders with a high likelihood of spending on travel with personalized travel incentives
Reactivate lapsed cardholders: Target dormant cardholders with personalized incentives based on their prior spend history to motivate them to resume using their card
At Dynamic Yield by Mastercard, we are committed to responsible personalization that respects user privacy and adheres to regulatory standards such as GDPR. Here’s how Breeze upholds these principles:
GDPR-Friendly Models: Breeze uses models trained on non-GDPR data and fine-tuned with issuer data to ensure compliance. With customer consent, we access issuer data, including domestic and cross-border transactions, to enhance personalization while maintaining privacy.
Explicit Customer Consent: Customers must provide explicit consent for the use of their data. We assume that issuers have already obtained the necessary cardholder consent, and this requirement is clearly outlined in our agreements with issuers.
No PII/PCI: Data shared with Dynamic Yield does not contain sensitive customer information. All data elements are masked by Mastercard before being shared with Dynamic Yield, ensuring that no personally identifiable information (PII) or payment card information (PCI) is included.
This approach ensures that Breeze can deliver highly tailored experiences while respecting user privacy and adhering to GDPR standards. Learn more about Responsible Personalization at Dynamic Yield by Mastercard, here.
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}</style></head><body class="page-template page-template-page-template-blank page-template-page-template-blank-php page page-id-223469 wp-featherlight-captions et_fixed_nav osx et_right_sidebar chrome et_includes_sidebar elementor-default elementor-kit-140995 elementor-page elementor-page-223469 default_header lp-breeze lp-shorter-footer"><div id="page-container"><div id="main-content"><article id="post-223469" class="post-223469 page type-page status-publish hentry"><div class="entry-content"><div data-elementor-type="wp-page" data-elementor-id="223469" class="elementor elementor-223469" data-elementor-settings="[]"><div class="elementor-inner"><div class="elementor-section-wrap"><section class="elementor-element elementor-element-dd6478f ask-us-wrap elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-section elementor-top-section" data-id="dd6478f" data-element_type="section" data-settings="{"background_background":"classic"}"><div class="elementor-container elementor-column-gap-no"><div class="elementor-row"><div class="elementor-element elementor-element-39172ea elementor-column elementor-col-100 elementor-top-column" data-id="39172ea" data-element_type="column"><div class="elementor-column-wrap elementor-element-populated"><div class="elementor-widget-wrap"><div class="elementor-element elementor-element-ded1f1b dy-logo-header-dy elementor-widget elementor-widget-image" data-id="ded1f1b" data-element_type="widget" data-widget_type="image.default"><div class="elementor-widget-container"><div class="elementor-image"> <img decoding="async" src="https://www.dynamicyield.com/wp-content/uploads/2025/09/ma_symbol.svg" title="ma_symbol" alt="ma_symbol" /></div></div></div><div class="elementor-element elementor-element-f8b23ec ask-top-heading module elementor-widget elementor-widget-heading" data-id="f8b23ec" data-element_type="widget" data-widget_type="heading.default"><div class="elementor-widget-container"><h1 class="elementor-heading-title elementor-size-default"><span id=" abm-cname"=""> It’s time to make personalization a breeze</span></h1></div></div><div class="elementor-element elementor-element-ddecdff ask-top-subheading elementor-widget elementor-widget-heading" data-id="ddecdff" data-element_type="widget" data-widget_type="heading.default"><div class="elementor-widget-container"><h3 class="elementor-heading-title elementor-size-default"><div style="max-width: 900px;">A unique solution from Mastercard Dynamic Yield, Personalization Breeze helps issuers optimize card spend with effortless personalization and hands-free operation</div></h3></div></div><section class="elementor-element elementor-element-da90f71 elementor-section-full_width elementor-section-content-top ask-top-section elementor-section-height-default elementor-section-height-default elementor-section elementor-inner-section" data-id="da90f71" data-element_type="section"><div class="elementor-container elementor-column-gap-no"><div class="elementor-row"><div class="elementor-element elementor-element-2f468c8 ask-text-col elementor-column elementor-col-50 elementor-inner-column" data-id="2f468c8" data-element_type="column"><div class="elementor-column-wrap elementor-element-populated"><div class="elementor-widget-wrap"><div class="elementor-element elementor-element-f953933 retina_parent elementor-widget elementor-widget-image" data-id="f953933" data-element_type="widget" data-widget_type="image.default"><div class="elementor-widget-container"><div class="elementor-image"> <img fetchpriority="high" decoding="async" width="570" height="350" src="https://www.dynamicyield.com/wp-content/uploads/2024/07/breeze-image.png" class="elementor-animation-grow attachment-full size-full" alt="" /></div></div></div><div class="elementor-element elementor-element-91ebaae elementor-widget elementor-widget-heading" data-id="91ebaae" data-element_type="widget" data-widget_type="heading.default"><div class="elementor-widget-container"><h4 class="elementor-heading-title elementor-size-default">Forget the old ways of personalization; we've made card spend optimization a breeze.</h4></div></div><div class="elementor-element elementor-element-d8ce9f1 elementor-widget elementor-widget-text-editor" data-id="d8ce9f1" data-element_type="widget" data-widget_type="text-editor.default"><div class="elementor-widget-container"><div class="elementor-text-editor elementor-clearfix"><p>We’ve combined Dynamic Yield’s market-leading personalization with Mastercard’s propensity modeling to help you send tailored offers to cardholders through their preferred channels. We call it Personalization Breeze.</p><p>With Personalization Breeze, you can deliver personalized messages without the burden of tedious implementation or continuous maintenance. This hands-off approach ensures immediate time-to-value, maximizing spend and engagement.</p><p>Personalization Breeze is powered by Mastercard’s proprietary prediction models, which analyze over 175BN transactions to understand cardholder behavior and needs. These insights enable you to target cardholders’ according to their historical and predicted spend.</p><p>With barriers removed and Mastercard insights at your disposal, there’s no limit to enhancing the customer experience. Act now to reap the rewards of personalization and sign up for Personalization Breeze today.</p></div></div></div></div></div></div><div class="elementor-element elementor-element-b5d89c3 ask-form-col elementor-column elementor-col-50 elementor-inner-column" data-id="b5d89c3" data-element_type="column" id="form-anchor"><div class="elementor-column-wrap elementor-element-populated"><div class="elementor-widget-wrap"><div class="elementor-element elementor-element-e5bd995 ask-form elementor-widget elementor-widget-html" data-id="e5bd995" data-element_type="widget" data-widget_type="html.default"><div class="elementor-widget-container"> <span class="form-close"></span><h3>Activate personalization today</h3> <script src="//pages.dynamicyield.com/js/forms2/js/forms2.min.js"></script> <form id="mktoForm_5163"></form> <script>MktoForms2.loadForm("//pages.dynamicyield.com", "386-GHP-185", 5163, function(form) {
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By clicking the button, you confirm that you have read and agree to the <a href="/tos/">Terms of Use</a>.</div></div></div></div></div></div></div></div></section><section class="elementor-element elementor-element-b8e8399 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-section elementor-inner-section" data-id="b8e8399" data-element_type="section"><div class="elementor-container elementor-column-gap-default"><div class="elementor-row"><div class="elementor-element elementor-element-ffe1450 elementor-column elementor-col-50 elementor-inner-column" data-id="ffe1450" data-element_type="column"><div class="elementor-column-wrap"><div class="elementor-widget-wrap"></div></div></div><div class="elementor-element elementor-element-79090c7 elementor-column elementor-col-50 elementor-inner-column" data-id="79090c7" data-element_type="column"><div class="elementor-column-wrap"><div class="elementor-widget-wrap"></div></div></div></div></div></section><div class="elementor-element elementor-element-3da3759 elementor-blockquote--skin-clean ask-testimonial module elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-phone elementor-blockquote--button-color-official elementor-widget elementor-widget-blockquote" data-id="3da3759" data-element_type="widget" data-widget_type="blockquote.default"><div class="elementor-widget-container"><blockquote class="elementor-blockquote"><p class="elementor-blockquote__content"> "We have introduced a new solution for issuing banks called Personalization Breeze. It combines our market-leading personalization offering with our propensity modeling to send individualized messages to cardholders."</p><footer> <cite class="elementor-blockquote__author">Michael Miebach - CEO, Mastercard</cite></footer></blockquote></div></div><section class="elementor-element elementor-element-fdd0012 elementor-section-full_width ask-qa-section module elementor-section-height-default elementor-section-height-default elementor-section elementor-inner-section" data-id="fdd0012" data-element_type="section"><div class="elementor-container elementor-column-gap-no"><div class="elementor-row"><div class="elementor-element elementor-element-9b825c5 elementor-column elementor-col-50 elementor-inner-column" data-id="9b825c5" data-element_type="column"><div class="elementor-column-wrap elementor-element-populated"><div class="elementor-widget-wrap"><div class="elementor-element elementor-element-7df4208 elementor-widget elementor-widget-heading" data-id="7df4208" data-element_type="widget" data-widget_type="heading.default"><div class="elementor-widget-container"><h2 class="elementor-heading-title elementor-size-default">Optimize card spend with <br>personalization that is:</h2></div></div></div></div></div><div class="elementor-element elementor-element-69f3a03 elementor-column elementor-col-50 elementor-inner-column" data-id="69f3a03" data-element_type="column"><div class="elementor-column-wrap elementor-element-populated"><div class="elementor-widget-wrap"><div class="elementor-element elementor-element-44be588 elementor-widget elementor-widget-text-editor" data-id="44be588" data-element_type="widget" data-widget_type="text-editor.default"><div class="elementor-widget-container"><div class="elementor-text-editor elementor-clearfix"><ul><li><strong>Uncomplicated:</strong> We simplify personalization delivery by optimizing program strategy and delivery for you</li><li><strong>Fast:</strong> Quick to activate without the heavy implementation lift</li><li><strong>Differentiative:</strong> Personalization reflects a deeper understanding of each customer thanks to Mastercard’s proprietary models and spend insights</li><li><strong>Value-First:</strong> Designed to deliver on the KPIs that matter most, from upsell and cross-sell to spend stimulation and retention.</li></ul></div></div></div></div></div></div></div></div></section><section class="elementor-element elementor-element-4554cf8 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-section elementor-inner-section" data-id="4554cf8" data-element_type="section"><div class="elementor-container elementor-column-gap-default"><div class="elementor-row"><div class="elementor-element elementor-element-f356898 elementor-column elementor-col-100 elementor-inner-column" data-id="f356898" data-element_type="column"><div class="elementor-column-wrap elementor-element-populated"><div class="elementor-widget-wrap"><div class="elementor-element elementor-element-ba501ef elementor-widget elementor-widget-heading" data-id="ba501ef" data-element_type="widget" data-widget_type="heading.default"><div class="elementor-widget-container"><h2 class="elementor-heading-title elementor-size-default">Everything you need and more</h2></div></div><div class="elementor-element elementor-element-d6afb43 faq-accordion elementor-widget elementor-widget-accordion" data-id="d6afb43" data-element_type="widget" data-widget_type="accordion.default"><div class="elementor-widget-container"><div class="elementor-accordion" role="tablist"><div class="elementor-accordion-item"><div id="elementor-tab-title-2251" class="elementor-tab-title" data-tab="1" role="tab" aria-controls="elementor-tab-content-2251"> <span class="elementor-accordion-icon elementor-accordion-icon-left" aria-hidden="true"> <i class="elementor-accordion-icon-closed fa fa-plus"></i> <i class="elementor-accordion-icon-opened fa fa-minus"></i> </span> <a class="elementor-accordion-title" href="">What is unique or differentiating about Personalization Breeze compared to other personalization solutions?</a></div><div id="elementor-tab-content-2251" class="elementor-tab-content elementor-clearfix" data-tab="1" role="tabpanel" aria-labelledby="elementor-tab-title-2251"><p>Personalization Breeze is the only personalization solution on the market with access to Mastercard’s proprietary spend insights, predicting cardholder behavior with unparalleled accuracy.</p><p>We activate these exclusive insights through Dynamic Yield’s market leading personalization engine, enabling Issuers to send highly relevant and tailored messages to each customer, optimizing card spend and engagement.</p><p>Dynamic Yield’s experts handle campaign execution, optimization, and maintenance, alleviating banks from tedious implementation and ongoing day-to-day operations. This allows banks to focus on their core business while their hands-free personalization program generates measurable results.</p></div></div><div class="elementor-accordion-item"><div id="elementor-tab-title-2252" class="elementor-tab-title" data-tab="2" role="tab" aria-controls="elementor-tab-content-2252"> <span class="elementor-accordion-icon elementor-accordion-icon-left" aria-hidden="true"> <i class="elementor-accordion-icon-closed fa fa-plus"></i> <i class="elementor-accordion-icon-opened fa fa-minus"></i> </span> <a class="elementor-accordion-title" href="">How do Mastercard’s spend insights work?</a></div><div id="elementor-tab-content-2252" class="elementor-tab-content elementor-clearfix" data-tab="2" role="tabpanel" aria-labelledby="elementor-tab-title-2252"><p>Mastercard’s proprietary spend insights utilize advanced AI models to analyze over 112 billion transactions, identifying patterns and predicting future spending behavior.</p><p>These insights help issuers to understand where cardholders are most likely to spend next, allowing for the delivery of personalized offers and incentives that are highly relevant to each cardholder’s spending habits.</p><p>This targeted approach not only enhances the customer experience but also drives increased engagement and spend.</p></div></div><div class="elementor-accordion-item"><div id="elementor-tab-title-2253" class="elementor-tab-title" data-tab="3" role="tab" aria-controls="elementor-tab-content-2253"> <span class="elementor-accordion-icon elementor-accordion-icon-left" aria-hidden="true"> <i class="elementor-accordion-icon-closed fa fa-plus"></i> <i class="elementor-accordion-icon-opened fa fa-minus"></i> </span> <a class="elementor-accordion-title" href="">Which channels does Personalization Breeze support?</a></div><div id="elementor-tab-content-2253" class="elementor-tab-content elementor-clearfix" data-tab="3" role="tabpanel" aria-labelledby="elementor-tab-title-2253">Personalization campaigns with Breeze can be delivered via email, in-app messages, app push notifications, and mobile content blocks. This range of options ensures each interaction occurs on the channel most likely to capture your cardholders’ attention.</div></div><div class="elementor-accordion-item"><div id="elementor-tab-title-2254" class="elementor-tab-title" data-tab="4" role="tab" aria-controls="elementor-tab-content-2254"> <span class="elementor-accordion-icon elementor-accordion-icon-left" aria-hidden="true"> <i class="elementor-accordion-icon-closed fa fa-plus"></i> <i class="elementor-accordion-icon-opened fa fa-minus"></i> </span> <a class="elementor-accordion-title" href="">What are some use cases for Personalization Breeze?</a></div><div id="elementor-tab-content-2254" class="elementor-tab-content elementor-clearfix" data-tab="4" role="tabpanel" aria-labelledby="elementor-tab-title-2254"><p>With Personalization Breeze, issuers can select from a catalog of personalized campaigns crafted to optimize key performance indicators (KPIs) across the customer lifecycle, from acquisition and activation to retention.</p><p>Here is a sampling of these use cases and the KPIs they influence:</p><p><strong>Cross sell debit to credit:</strong> Target high spending debit cardholders with personalized messaging to encourage them to apply for a credit card</p><p><strong>Activate online card spend:</strong> Motivate debit cardholders who primarily use their card at ATMs to start using their card for online and POS transactions.</p><p><strong>Boost card usage and everyday spend:</strong> Engage cardholders with a high likelihood of spending in everyday categories with tailored incentives to increase everyday purchases on their card</p><p><strong>Stimulate spend in travel:</strong> Target cardholders with a high likelihood of spending on travel with personalized travel incentives</p><p><strong>Reactivate lapsed cardholders:</strong> Target dormant cardholders with personalized incentives based on their prior spend history to motivate them to resume using their card</p></div></div><div class="elementor-accordion-item"><div id="elementor-tab-title-2255" class="elementor-tab-title" data-tab="5" role="tab" aria-controls="elementor-tab-content-2255"> <span class="elementor-accordion-icon elementor-accordion-icon-left" aria-hidden="true"> <i class="elementor-accordion-icon-closed fa fa-plus"></i> <i class="elementor-accordion-icon-opened fa fa-minus"></i> </span> <a class="elementor-accordion-title" href="">Is Personalization Breeze GDPR compliant?</a></div><div id="elementor-tab-content-2255" class="elementor-tab-content elementor-clearfix" data-tab="5" role="tabpanel" aria-labelledby="elementor-tab-title-2255"><p>At Dynamic Yield by Mastercard, we are committed to responsible personalization that respects user privacy and adheres to regulatory standards such as GDPR. Here’s how Breeze upholds these principles:</p><p><strong>GDPR-Friendly Models:</strong> Breeze uses models trained on non-GDPR data and fine-tuned with issuer data to ensure compliance. With customer consent, we access issuer data, including domestic and cross-border transactions, to enhance personalization while maintaining privacy.</p><p><strong>Explicit Customer Consent:</strong> Customers must provide explicit consent for the use of their data. We assume that issuers have already obtained the necessary cardholder consent, and this requirement is clearly outlined in our agreements with issuers.</p><p><strong>No PII/PCI:</strong> Data shared with Dynamic Yield does not contain sensitive customer information. All data elements are masked by Mastercard before being shared with Dynamic Yield, ensuring that no personally identifiable information (PII) or payment card information (PCI) is included.</p><p>This approach ensures that Breeze can deliver highly tailored experiences while respecting user privacy and adhering to GDPR standards. Learn more about <a href="https://www.dynamicyield.com/blog/responsible-personalization/">Responsible Personalization at Dynamic Yield by Mastercard, here</a>.</p></div></div></div></div></div></div></div></div></div></div></section></div></div></div></div></div></section></div></div></div></div></article></div> <style>div#footer-top {
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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>jQuery(function() {
$('.lp-breeze .footer-btns-wrap .btn-teal').attr('href', '#form-anchor');
});</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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