It’s time to make personalization a breeze
A unique solution from Dynamic Yield by Mastercard, 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
"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:
- Uncomplicated: We simplify personalization delivery by optimizing program strategy and delivery for you
- Fast: Quick to activate without the heavy implementation lift
- Differentiative: Personalization reflects a deeper understanding of each customer thanks to Mastercard’s proprietary models and spend insights
- 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.
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.