CINXE.COM

<!DOCTYPE html><html lang="en" dir="ltr" prefix="content: http://purl.org/rss/1.0/modules/content/ dc: http://purl.org/dc/terms/ foaf: http://xmlns.com/foaf/0.1/ og: http://ogp.me/ns# rdfs: http://www.w3.org/2000/01/rdf-schema# schema: http://schema.org/ sioc: http://rdfs.org/sioc/ns# sioct: http://rdfs.org/sioc/types# skos: http://www.w3.org/2004/02/skos/core# xsd: http://www.w3.org/2001/XMLSchema# "><head><meta charset="utf-8" /><meta name="description" content="Mastercard Data & Services encompasses Mastercard's (NYSE: MA) offerings beyond the transaction. We provide customers across industries and geographies with a tailored portfolio of solutions to address their business pain points." /><link rel="canonical" href="https://www.mastercardservices.com/en" /><link rel="shortlink" href="https://www.mastercardservices.com/en" /><meta name="robots" content="index" /><meta name="google" content="google26bd5546fd81a6e3" /><meta property="og:site_name" content="Mastercard Data & Services" /><meta property="og:url" content="https://www.mastercardservices.com/en/homepage" /><meta property="og:title" content="Mastercard Data & Services" /><meta property="og:description" content="By harnessing the power of our real-time, anonymized and aggregated transaction data, powerful software platforms and wealth of expertise, we empower customers to unlock a holistic view of consumer behavior beyond their four walls, distill actionable insi" /><meta property="og:image" content="https://mastercardservices.com/sites/default/files/Mastercard_Data%26Services_largeTile_1600x900.jpg" /><meta property="og:updated_time" content="2024-10-18" /><meta property="article:author" content="Mastercard Data & Services" /><meta property="article:published_time" content="2018-07-13" /><meta property="article:modified_time" content="2024-10-18" /><meta name="twitter:card" content="summary" /><meta name="twitter:creator" content="@MastercardNews" /><meta name="msvalidate.01" content="4C39EB77651A16877F891BB35237DCB4" /><meta name="Generator" content="Drupal 10 (https://www.drupal.org)" /><meta name="MobileOptimized" content="width" /><meta name="HandheldFriendly" content="true" /><meta name="viewport" content="width=device-width, initial-scale=1.0" /><script type="application/ld+json">{"@context": "https://schema.org","@graph": [{"@type": "WebPage","breadcrumb": []},{"@type": "WebSite","name": "MasterCard Data \u0026 Services","url": "https://www.mastercardservices.com","potentialAction": {"@type": "SearchAction","query": "https://www.mastercardservices.com/en/search?keyword={search_term_string}","query-input": "required name=search_term_string","target": {"@type": "EntryPoint","urlTemplate": "https://www.mastercardservices.com/en/search?keyword={search_term_string}","actionPlatform": ["http://schema.org/DesktopWebPlatform","http://schema.org/MobileWebPlatform"]}},"publisher": {"@type": "Organization","name": "MasterCard Data \u0026 Services","url": "https://www.mastercardservices.com"}}] }</script><link rel="alternate" hreflang="x-default" href="https://www.mastercardservices.com/en" /><link rel="alternate" hreflang="en" href="https://www.mastercardservices.com/en" /><link rel="alternate" hreflang="es" href="https://www.mastercardservices.com/es" /><link rel="alternate" hreflang="fr" href="https://www.mastercardservices.com/fr" /><link rel="alternate" hreflang="de" href="https://www.mastercardservices.com/de" /><link rel="alternate" hreflang="zh-hans" href="https://www.mastercardservices.com/zh" /><link rel="alternate" hreflang="ja" href="https://www.mastercardservices.com/ja" /><link rel="alternate" hreflang="it" href="https://www.mastercardservices.com/it" /><link rel="alternate" hreflang="pt-br" href="https://www.mastercardservices.com/pt-br" /><link rel="alternate" hreflang="en-GB" href="https://www.mastercardservices.com/en-gb" /><link rel="icon" href="/sites/default/files/favicon_1.ico" type="image/vnd.microsoft.icon" /><title>Mastercard Data & Services</title><link rel="stylesheet" media="all" href="/sites/default/files/css/css_SfIaSVGH9kmZr1KHgeKt5tZXEp1_q-1E_7iiHguq9nc.css?delta=0&language=en&theme=particle&include=eJxtUEGSxCAI_NAkPskiwiRuVFzA2crv14xVySUXaOm2bczBBxZyefT5LP5HfYqLgByvHFA9IC_koUA6LAZ1SmaxrPrMXmjQSBkKLqDkbjioN4C6s_jfRnKoSXcdFBcyaWouMO-REvxNVRgHWUGQzY32MJqUmwSaTCDsp6V2b8ru-3KX9HCJ3LnqfeJmKRZ6hZ0wGouH0AUYubgLzW_hYlTwvAarQN3UobQKab4ncyu1LSnqRvj8Q5-IxP5K99UEzrUvXcwHEG5KyWmKYb8TCn2iEk4bZ6qw0j9StK6d" /><link rel="stylesheet" media="all" href="/sites/default/files/css/css_yUiKu2SFDnS3YjWyPRJd834n16xK1nL2_XGC793IQA8.css?delta=1&language=en&theme=particle&include=eJxtUEGSxCAI_NAkPskiwiRuVFzA2crv14xVySUXaOm2bczBBxZyefT5LP5HfYqLgByvHFA9IC_koUA6LAZ1SmaxrPrMXmjQSBkKLqDkbjioN4C6s_jfRnKoSXcdFBcyaWouMO-REvxNVRgHWUGQzY32MJqUmwSaTCDsp6V2b8ru-3KX9HCJ3LnqfeJmKRZ6hZ0wGouH0AUYubgLzW_hYlTwvAarQN3UobQKab4ncyu1LSnqRvj8Q5-IxP5K99UEzrUvXcwHEG5KyWmKYb8TCn2iEk4bZ6qw0j9StK6d" /><script type="application/json" data-drupal-selector="drupal-settings-json">{"path":{"baseUrl":"\/","scriptPath":null,"pathPrefix":"en\/","currentPath":"node\/1","currentPathIsAdmin":false,"isFront":true,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"mcds_adobe_analytics":{"di":{"siteSection1":"Homepage","pageName":"Homepage","pageID":"1","product":"","author":"","practice":"","siteName":"Mastercard Data \u0026 Services","language":"en","industry":"","functionalArea":"","region":"Global","contentType":"Landing Page","loginType":"Anonymous","pageType":"b2b","siteType":"cooperate:businessUnit"}},"mcdsFaas":{"product":null},"pardot":{"ids":{"47932":"42863"},"utmCaptureParams":["cmp","source"]},"mcds_pardot":{"marketing_channel":{"search_engine_domains":["www.google.com","www.google.co.uk","www.google.ca","www.google.com","www.google.co.in","www.google.com.au","www.google.com.sg","www.google.com.hk","www.google.de","www.google.com.tw","www.google.fi","www.google.pl","www.google.ae","www.google.com.br","www.google.com.mx","www.google.co.jp","www.google.com.tr","www.google.com.co","www.google.cl","www.google.it","www.google.ie","www.google.fr","www.google.ca","www.google.nl","www.google.hu","www.google.co.kr","www.google.dk","www.google.co.th","www.google.com.my","www.google.at","www.google.com.co","www.google.es","www.google.com.vn","www.google.se","www.google.ru","www.google.ch","www.google.com.ph","www.google.gr","www.google.co.za","www.google.com.sg","www.google.as","www.google.com.uy","www.google.ch","www.google.com.ar","www.google.com.pe","www.google.com.hk","www.google.com.pk","www.google.com.ua","www.google.com.br","www.google.es","www.google.com.mx","www.google.ro","www.google.hu","www.google.be","www.google.co.nz","www.google.ci","www.google.pt","google.com","lens.google.com","www.google.co.in","www.google.cz","www.google.co.uk","www.google.az","www.google.at","www.google.com.sa","www.google.com.ph","www.google.com.au","googleweblight.com","www.google.no","www.google.je","www.google.com.ly","www.google.com.bh","www.google.se","www.google.com.pr","www.google.ie","www.google.de","www.google.lt","www.google.com.vn","www.google.co.ve","voice.google.com","www.google.kz","www.google.co.za","www.google.ru","groups.google.com","www.google.com.py","www.google.it","www.google.fr","www.google.com.uy","www.bing.com","cn.bing.com","global.bing.com","duckduckgo.com","search.yahoo.com","r.search.yahoo.com","br.search.yahoo.com","it.search.yahoo.com","in.search.yahoo.com","uk.search.yahoo.com","r.search.yahoo.com","hk.search.yahoo.com","ca.search.yahoo.com","us.search.yahoo.com","search.yahoo.co.jp","es.search.yahoo.com","sg.search.yahoo.com","se.search.yahoo.com","malaysia.search.yahoo.com","yandex.ru","www.yandex.com.tr"],"social_media_domains":["12seconds.tv","4travel.jp","advogato.org","ameba.jp","anobii.com","answers.yahoo.com","asmallworld.net","avforums.com","backtype.com","badoo.com","bebo.com","bigadda.com","bigtent.com","biip.no","blackplanet.com","blog.seesaa.jp","blogspot.com","blogster.com","blomotion.jp","bolt.com","brightkite.com","buzznet.com","cafemom.com","care2.com","classmates.com","cloob.com","collegeblender.com","cyworld.co.kr","cyworld.com.cn","dailymotion.com","delicious.com","deviantart.com","digg.com","diigo.com","disqus.com","draugiem.lv","facebook.com","faceparty.com","fc2.com","flickr.com","flixster.com","fotolog.com","foursquare.com","friendfeed.com","friendsreunited.co.uk","friendsreunited.com","friendster.com","fubar.com","gaiaonline.com","geni.com","goodreads.com","grono.net","habbo.com","hatena.ne.jp","hi5.com","hotnews.infoseek.co.jp","hyves.nl","ibibo.com","identi.ca","imeem.com","instagram.com","intensedebate.com","irc-galleria.net","iwiw.hu","jaiku.com","jp.myspace.com","kaixin001.com","kaixin002.com","kakaku.com","kanshin.com","kozocom.com","last.fm","linkedin.com","livejournal.com","lnkd.in","matome.naver.jp","me2day.net","meetup.com","mister-wong.com","mixi.jp","mixx.com","mouthshut.com","mp.weixin.qq.com","multiply.com","mumsnet.com","myheritage.com","mylife.com","myspace.com","myyearbook.com","nasza-klasa.pl","netlog.com","nettby.no","netvibes.com","nextdoor.com","nicovideo.jp","ning.com","odnoklassniki.ru","ok.ru","orkut.com","pakila.jp","photobucket.com","pinterest.at","pinterest.be","pinterest.ca","pinterest.ch","pinterest.cl","pinterest.co","pinterest.co.kr","pinterest.co.uk","pinterest.com","pinterest.de","pinterest.dk","pinterest.es","pinterest.fr","pinterest.hu","pinterest.ie","pinterest.in","pinterest.jp","pinterest.nz","pinterest.ph","pinterest.pt","pinterest.se","plaxo.com","plurk.com","plus.google.com","plus.url.google.com","po.st","reddit.com","renren.com","skyrock.com","slideshare.net","smcb.jp","smugmug.com","sonico.com","studivz.net","stumbleupon.com","t.163.com","t.co","t.hexun.com","t.ifeng.com","t.people.com.cn","t.qq.com","t.sina.com.cn","t.sohu.com","tabelog.com","tagged.com","taringa.net","thefancy.com","toutiao.com","tripit.com","trombi.com","trytrend.jp","tuenti.com","tumblr.com","twine.com","twitter.com","uhuru.jp","viadeo.com","vimeo.com","vk.com","wayn.com","weibo.com","weourfamily.com","wer-kennt-wen.de","wordpress.com","xanga.com","xing.com","yammer.com","yaplog.jp","yelp.co.uk","yelp.com","youku.com","youtube.com","yozm.daum.net","yuku.com","zhihu.com","zooomr.com"]}},"all_params":[],"ckeditorAccordion":{"accordionStyle":{"collapseAll":null,"keepRowsOpen":null,"animateAccordionOpenAndClose":1,"openTabsWithHash":1}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"ajax":[],"Toolshed":{"breakpoints":[]},"user":{"uid":0,"permissionsHash":"42e224bc136a67bb41c0e1a4d9c323926ea4bc9281df51e9f9cca6037ce183db"}}</script><script src="/sites/default/files/js/js_4j_H_IW_aXf_2S6wLAChSXcWrLORfgBKDS_8scGbqWU.js?scope=header&delta=0&language=en&theme=particle&include=eJxtUEGSxCAI_NAkPskiwiRuVFzA2crv14xVySUXaOm2bczBBxZyefT5LP5HfYqLgByvHFA9IC_koUA6LAZ1SmaxrPrMXmjQSBkKLqDkbjioN4C6s_jfRnKoSXcdFBcyaWouMO-REvxNVRgHWUGQzY32MJqUmwSaTCDsp6V2b8ru-3KX9HCJ3LnqfeJmKRZ6hZ0wGouH0AUYubgLzW_hYlTwvAarQN3UobQKab4ncyu1LSnqRvj8Q5-IxP5K99UEzrUvXcwHEG5KyWmKYb8TCn2iEk4bZ6qw0j9StK6d"></script><script src="https://assets.adobedtm.com/launch-EN180f18f50fab4ffbb58b1069201b66db.min.js"></script><script src="/themes/custom/particle/apps/drupal/dist/mastercard-outline/dist/mds.js?sl5bxz" type="module" weight="100"></script><script src="/themes/custom/particle/apps/drupal/dist/mastercard-outline/dist/mds-legacy.js?sl5bxz" type="nomodule" weight="100"></script><style> .banner__content .banner__summary { max-width: inherit; } margin-top: 1em; }*/ .ei-style .banner__eyebrow { color: #BD986F; } .hero-banner__cta a.btn.btn-secondary { background: #ffffff; } #tab-2 div, #tab-1 div, #tab-6 div { text-align:left; } .col-lg-4 .banner__image img { height: 270px; width: 360px; } </style> <script>!function(e){var n="https://s.go-mpulse.net/boomerang/";if("False"=="True")e.BOOMR_config=e.BOOMR_config||{},e.BOOMR_config.PageParams=e.BOOMR_config.PageParams||{},e.BOOMR_config.PageParams.pci=!0,n="https://s2.go-mpulse.net/boomerang/";if(window.BOOMR_API_key="9KCLH-2CSPW-V55XE-RANF3-RM2DM",function(){function e(){if(!o){var e=document.createElement("script");e.id="boomr-scr-as",e.src=window.BOOMR.url,e.async=!0,i.parentNode.appendChild(e),o=!0}}function t(e){o=!0;var n,t,a,r,d=document,O=window;if(window.BOOMR.snippetMethod=e?"if":"i",t=function(e,n){var t=d.createElement("script");t.id=n||"boomr-if-as",t.src=window.BOOMR.url,BOOMR_lstart=(new Date).getTime(),e=e||d.body,e.appendChild(t)},!window.addEventListener&&window.attachEvent&&navigator.userAgent.match(/MSIE [67]\./))return window.BOOMR.snippetMethod="s",void t(i.parentNode,"boomr-async");a=document.createElement("IFRAME"),a.src="about:blank",a.title="",a.role="presentation",a.loading="eager",r=(a.frameElement||a).style,r.width=0,r.height=0,r.border=0,r.display="none",i.parentNode.appendChild(a);try{O=a.contentWindow,d=O.document.open()}catch(_){n=document.domain,a.src="javascript:var d=document.open();d.domain='"+n+"';void(0);",O=a.contentWindow,d=O.document.open()}if(n)d._boomrl=function(){this.domain=n,t()},d.write("<bo"+"dy onload='document._boomrl();'>");else if(O._boomrl=function(){t()},O.addEventListener)O.addEventListener("load",O._boomrl,!1);else if(O.attachEvent)O.attachEvent("onload",O._boomrl);d.close()}function a(e){window.BOOMR_onload=e&&e.timeStamp||(new Date).getTime()}if(!window.BOOMR||!window.BOOMR.version&&!window.BOOMR.snippetExecuted){window.BOOMR=window.BOOMR||{},window.BOOMR.snippetStart=(new Date).getTime(),window.BOOMR.snippetExecuted=!0,window.BOOMR.snippetVersion=12,window.BOOMR.url=n+"9KCLH-2CSPW-V55XE-RANF3-RM2DM";var i=document.currentScript||document.getElementsByTagName("script")[0],o=!1,r=document.createElement("link");if(r.relList&&"function"==typeof r.relList.supports&&r.relList.supports("preload")&&"as"in r)window.BOOMR.snippetMethod="p",r.href=window.BOOMR.url,r.rel="preload",r.as="script",r.addEventListener("load",e),r.addEventListener("error",function(){t(!0)}),setTimeout(function(){if(!o)t(!0)},3e3),BOOMR_lstart=(new Date).getTime(),i.parentNode.appendChild(r);else t(!1);if(window.addEventListener)window.addEventListener("load",a,!1);else if(window.attachEvent)window.attachEvent("onload",a)}}(),"".length>0)if(e&&"performance"in e&&e.performance&&"function"==typeof e.performance.setResourceTimingBufferSize)e.performance.setResourceTimingBufferSize();!function(){if(BOOMR=e.BOOMR||{},BOOMR.plugins=BOOMR.plugins||{},!BOOMR.plugins.AK){var n=""=="true"?1:0,t="",a="bdpnbeqxgluoqz2djrva-f-1036e569e-clientnsv4-s.akamaihd.net",i="false"=="true"?2:1,o={"ak.v":"39","ak.cp":"1622319","ak.ai":parseInt("1039542",10),"ak.ol":"0","ak.cr":2,"ak.ipv":4,"ak.proto":"http/1.1","ak.rid":"d0f5a50","ak.r":40747,"ak.a2":n,"ak.m":"b","ak.n":"essl","ak.bpcip":"8.222.208.0","ak.cport":45658,"ak.gh":"104.88.70.143","ak.quicv":"","ak.tlsv":"tls1.2","ak.0rtt":"","ak.0rtt.ed":"","ak.csrc":"-","ak.acc":"bbr","ak.t":"1732463722","ak.ak":"hOBiQwZUYzCg5VSAfCLimQ==PDZzzEDB1rxsY7aGxNdCzbmfTwpTT0Y7/hVYpEnVZYaDn0D/DUl5bmanAbda1V8oXK7l1Xd3YwtL5crLNHAcf0ayz9A6stXh1GSJ12gy82pJOP5exURSmQTOVdFbSUE6Ro0IcfQgYXBh5yhOO4DKd1OlpRLfOuFXWDZ5IAU1Tpe3HEIZDFVA8/ulX0KPZI7QGSWa3kwZfpWHjEa1SRdr/fF83i+NJrn7a7/UVChPRcTy1DDkDSzw4RbpTk8YjThe2UQb4FOqGtm3kd4CpDnfdUCHkBx7eL7uRg8ioXDyG4doiJm55BYW8WCkmXBDdDtdWUJkl9vcJpq2UiHHk5EXh3vZyrnQmc0Mz1gT/ZM/cUbcvFlamnIKGSmGjAbepAz4ZCRZKvHEgzz10IvywVy9mnOS5VcOaOsobX3x/loHkNw=","ak.pv":"23","ak.dpoabenc":"","ak.tf":i};if(""!==t)o["ak.ruds"]=t;var r={i:!1,av:function(n){var t="http.initiator";if(n&&(!n[t]||"spa_hard"===n[t]))o["ak.feo"]=void 0!==e.aFeoApplied?1:0,BOOMR.addVar(o)},rv:function(){var e=["ak.bpcip","ak.cport","ak.cr","ak.csrc","ak.gh","ak.ipv","ak.m","ak.n","ak.ol","ak.proto","ak.quicv","ak.tlsv","ak.0rtt","ak.0rtt.ed","ak.r","ak.acc","ak.t","ak.tf"];BOOMR.removeVar(e)}};BOOMR.plugins.AK={akVars:o,akDNSPreFetchDomain:a,init:function(){if(!r.i){var e=BOOMR.subscribe;e("before_beacon",r.av,null,null),e("onbeacon",r.rv,null,null),r.i=!0}return this},is_complete:function(){return!0}}}}()}(window);</script></head><body> <a href="#main-content" class="visually-hidden focusable"> Skip to main content </a><div class="dialog-off-canvas-main-canvas" data-off-canvas-main-canvas> <header id="header" class="header has-primary-nav"><div class="header__inner"><div class="header__branding"><div id="block-particle-mcdslogo" data-block-plugin-id="mcds_menu_mcds_logo"><div> <aside class="mcds-branding"><div class="mcds-branding__site-logo"> <a href="/en" title="Mastercard Data & Services" rel="home"> <mc-svg color="brand-primary" svg-name="logo-standalone" > </mc-svg> </a></div><div class="mcds-branding__site-slogan"> <a href="/en" title="Mastercard Data & Services" rel="home"> <mc-svg color="brand-primary" svg-name="mcds-logo" > </mc-svg> </a></div> </aside></div></div></div><div class="header__mobile"> <i class="icon icon--menu header__nav-icon" role="button" aria-label="Mobile Navigation" aria-expanded="false"></i><div class="header__mobile-nav"> <nav role="navigation" aria-labelledby="block-primarynavigation-menu" id="block-primarynavigation" data-block-plugin-id="system_menu_block:primary-navigation"><div class="visually-hidden" id="block-primarynavigation-menu">Primary Navigation</div> <mc-primary-nav slot="main-nav"> <nav class="main-nav--nav"><ul class="menu--simple-mega-menu primary-nav--menu"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Overview </button><div class="primary-nav--menu--mega-menu-dropdown overview_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav main-column="center"><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"><div class="mc-multi-column-nav__overview-title"><div>Overview</div></div></div><div class="mc-multi-column-nav__content"><div class="mc-multi-column-nav__overview-tagline"><div>Get to know Mastercard Data & Services</div></div></div></div><div slot="mc-multi-column-nav--center-col"><ul class="mc-multi-column-nav__links mc-multi-column-nav__links--overview"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/overview/about" data-drupal-link-system-path="node/4886">What is Data & Services?</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercard.us/en-us/vision/corp-responsibility/data-responsibility.html">Our data advantage</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/overview/partners/become-partner" data-drupal-link-system-path="node/8081">Become a partner</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/overview/partners/find-partner" data-drupal-link-system-path="node/8076">Find a partner</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/case-studies" data-drupal-link-system-path="node/361">Customer stories</a></li></ul></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Featured customer story</div> </mc-title></div><div class="mc-multi-column-nav__content article-card-container"><div><div class="paragraph--article-card"><mds-article-card summary="How areeba created a simple and secure digital wallet" article-card-title="Case Study" url="/en/capabilities/digital-labs/case-studies/how-areeba-created-simple-and-secure-digital-wallet" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/areeba%20teaser.png.webp" alt="areeba teaser" loading="lazy" > </picture></mds-article-card></div></div></div></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Capabilities </button><div class="primary-nav--menu--mega-menu-dropdown flyout_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav columns="2" main-column="left" ><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Capabilities</div> </mc-title></div><div class="mc-multi-column-nav__content"><ul class="mc-multi-column-nav__links mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Business experimentation solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Business experimentation solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/market-basket-analyzer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/46">Market Basket Analyzer</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/menu-analyzer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/276">Menu Analyzer</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/test-learn" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/61">Test & Learn®</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Business intelligence </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Business intelligence </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/acquiring-optimizer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7631">Acquiring Optimizer</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/portfolio-optimizer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7616">Portfolio Optimizer</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/commercial-card-insights" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7626">Commercial Card Insights</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/commercial-rebates-incentives-platform" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Commercial Rebates & Incentives Platform</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/global-treasury-intelligence" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5641">Global Treasury Intelligence</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/portfolio-intelligence-solutions" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7331">Portfolio Intelligence Solutions</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/business-card-acquisition" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Business Card Acquisition</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/success-planning-fintechs" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Success Planning for Fintechs</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/supplier-enablement-activation-service" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Supplier Enablement & Activation Service</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Customer engagement solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Customer engagement solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Loyalty platforms </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Loyalty platforms </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/rewards" data-drupal-link-system-path="node/7711">Mastercard Rewards</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/offers" data-drupal-link-system-path="node/246">Offers</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/sessionm" data-drupal-link-system-path="node/3786">SessionM</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Loyalty services </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Loyalty services </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/mastercard-cardholder-services" data-drupal-link-system-path="node/406">Cardholder Services & Benefits </a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/marketing-services" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/391">Marketing Services</a></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Personalization </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Personalization </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/dynamic-yield" data-drupal-link-system-path="node/5291">Dynamic Yield</a></li></ul></div></div></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Cyber solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Cyber solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/capabilities/cyber-crisis-exercise" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Cyber Crisis Exercise</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/cyber-front" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5701">Cyber Front</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/cyber-insights" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8701">Cyber Insights</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/cyber-quant" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/2201">Cyber Quant</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Location spend insights </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Location spend insights </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/places" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7621">Places</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/spendingpulse" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/66">SpendingPulse™ </a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/tourism-insights" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7906">Tourism insights</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Market intelligence </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Market intelligence </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/mastercard-market-trends" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4381">Mastercard Market Trends</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/capabilities/merchant-insights-and-analytics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Merchant Insights & Analytics</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/world-payments-advisory" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5316">World Payments Advisory™</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> SME Solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > SME Solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/payment-facilitator-accelerator" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/10691">Payment Facilitator Accelerator</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/sme-portfolio-optimization" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8191">SME Portfolio Optimization</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/sme-commercial-value-proposition" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8196">SME Commercial Value Proposition</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/small-business-credit-analytics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7886">Small Business Credit Analytics</a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4896">See all products</a></li></ul></div></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl" ><div>Featured report</div> </mc-title></div><div class="mc-multi-column-nav__content featured-articles-container"><div class="paragraph--article-card"><mds-article-card summary="September 2023 Gartner® Market Guide for Loyalty Program Vendors" article-card-title="Analyst report" url="https://www.mastercardservices.com/en/advisors/consumer-engagement-loyalty/insights/september-2023-gartner-market-guide-loyalty-program" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/LandingPagePreview_GartnerMarketGuide.png.webp" alt="LandingPagePreview_GartnerMarketGuide" loading="lazy" > </picture></mds-article-card></div></div></div><div slot="mc-multi-column-nav--promo-panel"> <mc-promo-panel> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Broker_orng_6.png.webp" alt="Test & Learn®" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/capabilities/test-learn"></a><div slot="mc-callout--body">Mastercard Test & Learn helps business leaders make decisions with confidence by analyzing in-market business experiments.</div> <mc-button slot="mc-callout--cta" url="/en/capabilities/test-learn" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > Test & Learn® </mc-button></mc-callout> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Agile_orng_0.png.webp" alt="sessionm" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/capabilities/sessionm"></a><div slot="mc-callout--body">Automate, manage, measure and optimize loyalty and customer engagement at scale.</div> <mc-button slot="mc-callout--cta" url="/en/capabilities/sessionm" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > SessionM </mc-button></mc-callout> </mc-promo-panel></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Advisory </button><div class="primary-nav--menu--mega-menu-dropdown flyout_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav columns="2" main-column="left" ><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Practices</div> </mc-title></div><div class="mc-multi-column-nav__content"><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Consulting Services </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Consulting Services </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/ai-advanced-analytics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7436">AI & advanced analytics</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/consumer-engagement-loyalty" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4806">Consumer engagement & loyalty</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/cyber-enterprise-risk" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4726">Cyber & enterprise risk</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/data-strategy-management" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4801">Data & infrastructure</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/economics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7076">Economic consulting</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/future-tech" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7931">Future tech</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/payments" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4811">Payments</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/sustainability-financial-inclusion" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5051">Sustainability & financial inclusion</a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/implementation-services" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4791">Implementation Services</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/digital-labs" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4991">Innovation Services</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/marketing-services" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/391">Marketing Services</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/396">See all advisors services</a></li></ul></div></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl" ><div>Featured articles</div> </mc-title></div><div class="mc-multi-column-nav__content featured-articles-container"><div class="paragraph--article-card"><mds-article-card summary="Why data strategy is critical for ESG" article-card-title="Blog" url="/en/advisors/data-infrastructure-consulting/insights/why-data-strategy-critical-esg" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Thumbnail_V2%20updated.png.webp" alt="ESG data strategy" loading="lazy" > </picture></mds-article-card></div><div class="paragraph--article-card"><mds-article-card summary="Four European takes on open banking" article-card-title="Article " url="/en/advisors/sustainability-financial-inclusion-consulting/insights/four-european-takes-open-banking" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/CS230881%20-teaser_668x500.png.webp" alt="Four European takes on open banking teaser" loading="lazy" > </picture></mds-article-card></div></div></div><div slot="mc-multi-column-nav--promo-panel"> <mc-promo-panel> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/NGO1.png.webp" alt="LOYALTY & PERSONALIZATION" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/advisors/consumer-engagement-loyalty"></a><div slot="mc-callout--body">Build and sustain authentic relationships with your customers</div> <mc-button slot="mc-callout--cta" url="/en/advisors/consumer-engagement-loyalty" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > Consumer Engagement & Loyalty Consulting </mc-button></mc-callout> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icons_banking_orng_contactless_payment_turnstile-1.png.webp" alt="" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/advisors/payments"></a><div slot="mc-callout--body">Future-proof your payments business with consulting support on strategy to implementation</div> <mc-button slot="mc-callout--cta" url="/en/advisors/payments" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > Payments Consulting </mc-button></mc-callout> </mc-promo-panel></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Industries </button><div class="primary-nav--menu--mega-menu-dropdown flyout_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav columns="2" main-column="left" ><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Industries</div> </mc-title></div><div class="mc-multi-column-nav__content"><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Financial services </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Financial services </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/acquirers-and-processors" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8311">Acquirers and processors</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/commercial-banks" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4731">Commercial banking</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/retail-banking" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4736">Retail banking</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/small-business" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4766">Small business services</a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/consumer-packaged-goods" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4756">Consumer goods</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/fintech" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4741">Fintech</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/governments" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4771">Governments</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/industries/high-tech-digital-players" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">High tech & digital</a></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Retail </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Retail </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/industries/drugstores-pharmacies" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Drugstores & pharmacies</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/fashion-specialty-retail" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/9246">Fashion & specialty retail</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/fuel-convenience" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8456">Fuel & convenience</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/industries/grocery-mass-market-retail" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Grocery & mass market retail</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/mastercard-retailers" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4746">All retail</a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/restaurants" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4751">Restaurants</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/telecom-and-media" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4761">Telecom & media</a></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Travel & Hospitality </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Travel & Hospitality </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/airlines" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4721">Airlines</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/travel-and-hospitality" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8331">All travel & hospitality </a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/hotels" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8346">Hotels</a></li></ul></div></div></li></ul></div></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl" ><div>Featured articles</div> </mc-title></div><div class="mc-multi-column-nav__content featured-articles-container"><div class="paragraph--article-card"><mds-article-card summary="Retail banking trends go deeper than retail banking products" article-card-title="Trends report" url="/en/advisors/data-infrastructure-consulting/insights/retail-banking-trends" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Report_668X500.png.webp" alt="Retail banking teaser" loading="lazy" > </picture></mds-article-card></div><div class="paragraph--article-card"><mds-article-card summary="Lessons a fintech company should not find out the hard way" article-card-title="Trends Report" url="/en/advisors/payments-consulting/insights/lessons-fintech-company-should-not-find-out-hard-way" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/lessons%20of%20a%20fintech%20company%20teaser.png.webp" alt="lessons of a fintech company teaser" loading="lazy" > </picture></mds-article-card></div></div></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Resources </button><div class="primary-nav--menu--mega-menu-dropdown overview_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav main-column="center"><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"><div class="mc-multi-column-nav__overview-title"><div>Resources</div></div></div><div class="mc-multi-column-nav__content"><div class="mc-multi-column-nav__overview-tagline"><div>Insights to keep your business moving forward</div></div></div></div><div slot="mc-multi-column-nav--center-col"><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation mc-multi-column-nav__links"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/reports" data-drupal-link-system-path="node/11">Blog & reports</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/economics-institute" data-drupal-link-system-path="node/2446">Economics Institute</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/mastercard-market-trends" data-drupal-link-system-path="node/4381">Market Trends</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/events" data-drupal-link-system-path="node/31">Events</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/webinars" data-drupal-link-system-path="node/7936">Webinars</a></li></ul></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Featured articles</div> </mc-title></div><div class="mc-multi-column-nav__content article-card-container"><div><div class="paragraph--article-card"><mds-article-card summary="Economic Outlook 2024" article-card-title="Mastercard Economic Institute" url="/en/advisors/economic-consulting/insights/economic-outlook-2024" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Tile%20image%20-%20668%20x500.png.webp" alt="e24 tile image" loading="lazy" > </picture></mds-article-card></div></div></div></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <mc-button url="/en/overview/demo-request" link-color="neutral-gray7" size="medium-small" color="brand-primary" target="_self" button-color="dark" text-align="center" aria-disabled="false" arrow="false" > Request a demo </mc-button></li></ul> </nav></mc-primary-nav> </nav><div class="header__search-block-form" role="search" aria-labelledby="block-headersearchform" id="block-headersearchform" data-block-plugin-id="mcds_search_header_block"><div class="visually-hidden" id="block-headersearchform">Header Search form</div> <mc-multi-column-nav columns="2" main-column="center" search-panel><div class="mc-multi-column-nav__left-col"><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm"><div>Search</div> </mc-title></div><div class="mc-multi-column-nav__content"> <mc-title level="h2" color="neutral-white" level-size="4xl" font-weight="mediumlight" text-transform="none"><div>What can we <br/> help you find?</div> </mc-title></div></div></div><div class="mc-multi-column-nav__center-col"><div slot="mc-multi-column-nav--center-col" class="header__search-block-form__wrapper"><form class="header-search-form" data-drupal-selector="header-search-form" action="/en" method="post" id="header-search-form" accept-charset="UTF-8"><div class="form form--search form--header-search"><div class="form-group js-form-item form-item js-form-type-textfield form-item-keyword js-form-item-keyword form-no-label"> <input class="form-control form--search form-text" placeholder="I’m looking for..." data-drupal-selector="edit-keyword" type="text" id="edit-keyword" name="keyword" value="customer insights" size="60" maxlength="128" /></div></div><span class="btn-wrapper"> <input data-drupal-selector="edit-submit" type="submit" id="edit-submit--2" name="op" value="Search" class="button js-form-submit form-submit" /></span><input autocomplete="off" data-drupal-selector="form-ld5zbwcxlpa-ew0idkmsqcycn39ru7rn7bsscc-ld6w" type="hidden" name="form_build_id" value="form-LD5ZbwcxLpa_ew0IdkMsqCYCN39ru7rn7bsScC_lD6w" /><input data-drupal-selector="edit-header-search-form" type="hidden" name="form_id" value="header_search_form" /></form> <mc-svg color="neutral-gray7" svg-name="magnifying-glass" class="icon icon--search header__search-form-icon"></mc-svg><div class="mc-multi-column-nav__popular-searches"> <mc-title level="h3" color="neutral-white" text-transform="uppercase" level-size="sm"><div>Popular searches</div> </mc-title><div class="site_setting_entity"><div><div><a href="/en/industries/retail/insights/retail-industry-trends-2024">Retail trends</a></div><div><a href="/en/advisors/economic-consulting/insights/economic-outlook-2024">Economic outlook</a></div></div></div></div></div></div><div class="mc-multi-column-nav__right-col"><div slot="mc-multi-column-nav--right-col"></div></div> </mc-multi-column-nav></div></div></div><div class="header__main-nav"> <nav role="navigation" aria-labelledby="block-primarynavigation-menu" id="block-primarynavigation" data-block-plugin-id="system_menu_block:primary-navigation"><div class="visually-hidden" id="block-primarynavigation-menu">Primary Navigation</div> <mc-primary-nav slot="main-nav"> <nav class="main-nav--nav"><ul class="menu--simple-mega-menu primary-nav--menu"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Overview </button><div class="primary-nav--menu--mega-menu-dropdown overview_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav main-column="center"><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"><div class="mc-multi-column-nav__overview-title"><div>Overview</div></div></div><div class="mc-multi-column-nav__content"><div class="mc-multi-column-nav__overview-tagline"><div>Get to know Mastercard Data & Services</div></div></div></div><div slot="mc-multi-column-nav--center-col"><ul class="mc-multi-column-nav__links mc-multi-column-nav__links--overview"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/overview/about" data-drupal-link-system-path="node/4886">What is Data & Services?</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercard.us/en-us/vision/corp-responsibility/data-responsibility.html">Our data advantage</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/overview/partners/become-partner" data-drupal-link-system-path="node/8081">Become a partner</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/overview/partners/find-partner" data-drupal-link-system-path="node/8076">Find a partner</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/case-studies" data-drupal-link-system-path="node/361">Customer stories</a></li></ul></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Featured customer story</div> </mc-title></div><div class="mc-multi-column-nav__content article-card-container"><div><div class="paragraph--article-card"><mds-article-card summary="How areeba created a simple and secure digital wallet" article-card-title="Case Study" url="/en/capabilities/digital-labs/case-studies/how-areeba-created-simple-and-secure-digital-wallet" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/areeba%20teaser.png.webp" alt="areeba teaser" loading="lazy" > </picture></mds-article-card></div></div></div></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Capabilities </button><div class="primary-nav--menu--mega-menu-dropdown flyout_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav columns="2" main-column="left" ><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Capabilities</div> </mc-title></div><div class="mc-multi-column-nav__content"><ul class="mc-multi-column-nav__links mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Business experimentation solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Business experimentation solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/market-basket-analyzer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/46">Market Basket Analyzer</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/menu-analyzer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/276">Menu Analyzer</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/test-learn" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/61">Test & Learn®</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Business intelligence </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Business intelligence </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/acquiring-optimizer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7631">Acquiring Optimizer</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/portfolio-optimizer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7616">Portfolio Optimizer</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/commercial-card-insights" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7626">Commercial Card Insights</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/commercial-rebates-incentives-platform" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Commercial Rebates & Incentives Platform</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/global-treasury-intelligence" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5641">Global Treasury Intelligence</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/portfolio-intelligence-solutions" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7331">Portfolio Intelligence Solutions</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/business-card-acquisition" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Business Card Acquisition</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/success-planning-fintechs" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Success Planning for Fintechs</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/supplier-enablement-activation-service" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Supplier Enablement & Activation Service</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Customer engagement solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Customer engagement solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Loyalty platforms </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Loyalty platforms </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/rewards" data-drupal-link-system-path="node/7711">Mastercard Rewards</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/offers" data-drupal-link-system-path="node/246">Offers</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/sessionm" data-drupal-link-system-path="node/3786">SessionM</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Loyalty services </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Loyalty services </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/mastercard-cardholder-services" data-drupal-link-system-path="node/406">Cardholder Services & Benefits </a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/marketing-services" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/391">Marketing Services</a></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Personalization </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Personalization </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/dynamic-yield" data-drupal-link-system-path="node/5291">Dynamic Yield</a></li></ul></div></div></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Cyber solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Cyber solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/capabilities/cyber-crisis-exercise" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Cyber Crisis Exercise</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/cyber-front" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5701">Cyber Front</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/cyber-insights" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8701">Cyber Insights</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/cyber-quant" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/2201">Cyber Quant</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Location spend insights </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Location spend insights </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/places" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7621">Places</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/spendingpulse" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/66">SpendingPulse™ </a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/tourism-insights" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7906">Tourism insights</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Market intelligence </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Market intelligence </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/mastercard-market-trends" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4381">Mastercard Market Trends</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/capabilities/merchant-insights-and-analytics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Merchant Insights & Analytics</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/world-payments-advisory" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5316">World Payments Advisory™</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> SME Solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > SME Solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/payment-facilitator-accelerator" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/10691">Payment Facilitator Accelerator</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/sme-portfolio-optimization" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8191">SME Portfolio Optimization</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/sme-commercial-value-proposition" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8196">SME Commercial Value Proposition</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/small-business-credit-analytics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7886">Small Business Credit Analytics</a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4896">See all products</a></li></ul></div></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl" ><div>Featured report</div> </mc-title></div><div class="mc-multi-column-nav__content featured-articles-container"><div class="paragraph--article-card"><mds-article-card summary="September 2023 Gartner® Market Guide for Loyalty Program Vendors" article-card-title="Analyst report" url="https://www.mastercardservices.com/en/advisors/consumer-engagement-loyalty/insights/september-2023-gartner-market-guide-loyalty-program" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/LandingPagePreview_GartnerMarketGuide.png.webp" alt="LandingPagePreview_GartnerMarketGuide" loading="lazy" > </picture></mds-article-card></div></div></div><div slot="mc-multi-column-nav--promo-panel"> <mc-promo-panel> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Broker_orng_6.png.webp" alt="Test & Learn®" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/capabilities/test-learn"></a><div slot="mc-callout--body">Mastercard Test & Learn helps business leaders make decisions with confidence by analyzing in-market business experiments.</div> <mc-button slot="mc-callout--cta" url="/en/capabilities/test-learn" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > Test & Learn® </mc-button></mc-callout> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Agile_orng_0.png.webp" alt="sessionm" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/capabilities/sessionm"></a><div slot="mc-callout--body">Automate, manage, measure and optimize loyalty and customer engagement at scale.</div> <mc-button slot="mc-callout--cta" url="/en/capabilities/sessionm" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > SessionM </mc-button></mc-callout> </mc-promo-panel></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Advisory </button><div class="primary-nav--menu--mega-menu-dropdown flyout_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav columns="2" main-column="left" ><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Practices</div> </mc-title></div><div class="mc-multi-column-nav__content"><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Consulting Services </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Consulting Services </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/ai-advanced-analytics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7436">AI & advanced analytics</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/consumer-engagement-loyalty" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4806">Consumer engagement & loyalty</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/cyber-enterprise-risk" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4726">Cyber & enterprise risk</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/data-strategy-management" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4801">Data & infrastructure</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/economics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7076">Economic consulting</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/future-tech" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7931">Future tech</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/payments" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4811">Payments</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/sustainability-financial-inclusion" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5051">Sustainability & financial inclusion</a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/implementation-services" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4791">Implementation Services</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/digital-labs" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4991">Innovation Services</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/marketing-services" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/391">Marketing Services</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/396">See all advisors services</a></li></ul></div></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl" ><div>Featured articles</div> </mc-title></div><div class="mc-multi-column-nav__content featured-articles-container"><div class="paragraph--article-card"><mds-article-card summary="Why data strategy is critical for ESG" article-card-title="Blog" url="/en/advisors/data-infrastructure-consulting/insights/why-data-strategy-critical-esg" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Thumbnail_V2%20updated.png.webp" alt="ESG data strategy" loading="lazy" > </picture></mds-article-card></div><div class="paragraph--article-card"><mds-article-card summary="Four European takes on open banking" article-card-title="Article " url="/en/advisors/sustainability-financial-inclusion-consulting/insights/four-european-takes-open-banking" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/CS230881%20-teaser_668x500.png.webp" alt="Four European takes on open banking teaser" loading="lazy" > </picture></mds-article-card></div></div></div><div slot="mc-multi-column-nav--promo-panel"> <mc-promo-panel> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/NGO1.png.webp" alt="LOYALTY & PERSONALIZATION" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/advisors/consumer-engagement-loyalty"></a><div slot="mc-callout--body">Build and sustain authentic relationships with your customers</div> <mc-button slot="mc-callout--cta" url="/en/advisors/consumer-engagement-loyalty" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > Consumer Engagement & Loyalty Consulting </mc-button></mc-callout> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icons_banking_orng_contactless_payment_turnstile-1.png.webp" alt="" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/advisors/payments"></a><div slot="mc-callout--body">Future-proof your payments business with consulting support on strategy to implementation</div> <mc-button slot="mc-callout--cta" url="/en/advisors/payments" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > Payments Consulting </mc-button></mc-callout> </mc-promo-panel></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Industries </button><div class="primary-nav--menu--mega-menu-dropdown flyout_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav columns="2" main-column="left" ><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Industries</div> </mc-title></div><div class="mc-multi-column-nav__content"><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Financial services </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Financial services </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/acquirers-and-processors" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8311">Acquirers and processors</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/commercial-banks" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4731">Commercial banking</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/retail-banking" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4736">Retail banking</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/small-business" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4766">Small business services</a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/consumer-packaged-goods" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4756">Consumer goods</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/fintech" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4741">Fintech</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/governments" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4771">Governments</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/industries/high-tech-digital-players" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">High tech & digital</a></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Retail </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Retail </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/industries/drugstores-pharmacies" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Drugstores & pharmacies</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/fashion-specialty-retail" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/9246">Fashion & specialty retail</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/fuel-convenience" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8456">Fuel & convenience</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/industries/grocery-mass-market-retail" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Grocery & mass market retail</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/mastercard-retailers" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4746">All retail</a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/restaurants" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4751">Restaurants</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/telecom-and-media" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4761">Telecom & media</a></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Travel & Hospitality </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Travel & Hospitality </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/airlines" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4721">Airlines</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/travel-and-hospitality" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8331">All travel & hospitality </a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/hotels" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8346">Hotels</a></li></ul></div></div></li></ul></div></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl" ><div>Featured articles</div> </mc-title></div><div class="mc-multi-column-nav__content featured-articles-container"><div class="paragraph--article-card"><mds-article-card summary="Retail banking trends go deeper than retail banking products" article-card-title="Trends report" url="/en/advisors/data-infrastructure-consulting/insights/retail-banking-trends" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Report_668X500.png.webp" alt="Retail banking teaser" loading="lazy" > </picture></mds-article-card></div><div class="paragraph--article-card"><mds-article-card summary="Lessons a fintech company should not find out the hard way" article-card-title="Trends Report" url="/en/advisors/payments-consulting/insights/lessons-fintech-company-should-not-find-out-hard-way" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/lessons%20of%20a%20fintech%20company%20teaser.png.webp" alt="lessons of a fintech company teaser" loading="lazy" > </picture></mds-article-card></div></div></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Resources </button><div class="primary-nav--menu--mega-menu-dropdown overview_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav main-column="center"><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"><div class="mc-multi-column-nav__overview-title"><div>Resources</div></div></div><div class="mc-multi-column-nav__content"><div class="mc-multi-column-nav__overview-tagline"><div>Insights to keep your business moving forward</div></div></div></div><div slot="mc-multi-column-nav--center-col"><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation mc-multi-column-nav__links"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/reports" data-drupal-link-system-path="node/11">Blog & reports</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/economics-institute" data-drupal-link-system-path="node/2446">Economics Institute</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/mastercard-market-trends" data-drupal-link-system-path="node/4381">Market Trends</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/events" data-drupal-link-system-path="node/31">Events</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/webinars" data-drupal-link-system-path="node/7936">Webinars</a></li></ul></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Featured articles</div> </mc-title></div><div class="mc-multi-column-nav__content article-card-container"><div><div class="paragraph--article-card"><mds-article-card summary="Economic Outlook 2024" article-card-title="Mastercard Economic Institute" url="/en/advisors/economic-consulting/insights/economic-outlook-2024" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Tile%20image%20-%20668%20x500.png.webp" alt="e24 tile image" loading="lazy" > </picture></mds-article-card></div></div></div></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <mc-button url="/en/overview/demo-request" link-color="neutral-gray7" size="medium-small" color="brand-primary" target="_self" button-color="dark" text-align="center" aria-disabled="false" arrow="false" > Request a demo </mc-button></li></ul> </nav></mc-primary-nav> </nav><div class="header__search-block-form" role="search" aria-labelledby="block-headersearchform" id="block-headersearchform" data-block-plugin-id="mcds_search_header_block"><div class="visually-hidden" id="block-headersearchform">Header Search form</div> <mc-multi-column-nav columns="2" main-column="center" search-panel><div class="mc-multi-column-nav__left-col"><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm"><div>Search</div> </mc-title></div><div class="mc-multi-column-nav__content"> <mc-title level="h2" color="neutral-white" level-size="4xl" font-weight="mediumlight" text-transform="none"><div>What can we <br/> help you find?</div> </mc-title></div></div></div><div class="mc-multi-column-nav__center-col"><div slot="mc-multi-column-nav--center-col" class="header__search-block-form__wrapper"><form class="header-search-form" data-drupal-selector="header-search-form" action="/en" method="post" id="header-search-form" accept-charset="UTF-8"><div class="form form--search form--header-search"><div class="form-group js-form-item form-item js-form-type-textfield form-item-keyword js-form-item-keyword form-no-label"> <input class="form-control form--search form-text" placeholder="I’m looking for..." data-drupal-selector="edit-keyword" type="text" id="edit-keyword" name="keyword" value="customer insights" size="60" maxlength="128" /></div></div><span class="btn-wrapper"> <input data-drupal-selector="edit-submit" type="submit" id="edit-submit--2" name="op" value="Search" class="button js-form-submit form-submit" /></span><input autocomplete="off" data-drupal-selector="form-ld5zbwcxlpa-ew0idkmsqcycn39ru7rn7bsscc-ld6w" type="hidden" name="form_build_id" value="form-LD5ZbwcxLpa_ew0IdkMsqCYCN39ru7rn7bsScC_lD6w" /><input data-drupal-selector="edit-header-search-form" type="hidden" name="form_id" value="header_search_form" /></form> <mc-svg color="neutral-gray7" svg-name="magnifying-glass" class="icon icon--search header__search-form-icon"></mc-svg><div class="mc-multi-column-nav__popular-searches"> <mc-title level="h3" color="neutral-white" text-transform="uppercase" level-size="sm"><div>Popular searches</div> </mc-title><div class="site_setting_entity"><div><div><a href="/en/industries/retail/insights/retail-industry-trends-2024">Retail trends</a></div><div><a href="/en/advisors/economic-consulting/insights/economic-outlook-2024">Economic outlook</a></div></div></div></div></div></div><div class="mc-multi-column-nav__right-col"><div slot="mc-multi-column-nav--right-col"></div></div> </mc-multi-column-nav></div></div> <button class="header__search" aria-label="Search" aria-expanded="false" aria-controls="block-headersearchform"> <span class="hidden" aria-hidden="true">Search Button</span> <mc-svg color="neutral-white" svg-name="magnifying-glass" class="icon header__search-icon" aria-hidden="true"></mc-svg> </button></div></header><div class="layout-container"><div><div data-drupal-messages-fallback class="hidden"></div></div> <main class="u-site-container" role="main"> <a id="main-content" tabindex="-1"></a><div class="main-content"><div><div id="block-particle-content" data-block-plugin-id="system_main_block"> <article about="/en/homepage" class="mcds-v2 landing-page"><div class="full-breakout hero-banner mobile-bg--gray-6"><div class="hero-banner__image-wrapper height-600"><div class="hero-banner--image"> <picture > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/212f52dd3ace6__homepage_banner_02_1440x720_v0_1.png.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp_lg/public/212f52dd3ace6__homepage_banner_02_1440x720_v0_1.png.webp" media="(max-width: 1280px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/212f52dd3ace6__homepage_banner_02_1440x720_v0_1.png.webp" media="(max-width: 1920px)"> <img src="/sites/default/files/styles/image_process_webp/public/212f52dd3ace6__homepage_banner_02_1440x720_v0_1.png.webp" alt="Woman overlooking city banner" class="image image--picture" width="1743" height="720" loading="lazy" /></picture></div></div><div class="u-site-container"><div class="hero-banner--overlay canvas-dark"><div class="grid-item col-sm-12 col-lg-12"><div class="hero-banner--content"><h1 class="hero-banner--title heading1 ">If you could make smarter decisions, imagine the outcome</h1><div class="hero-banner__buttons-container"><div class="hero-banner__cta hero-banner__cta-primary"> <span class="btn-wrapper btn-wrapper--btn-primary"><a class="btn btn-primary" href=https://www.mastercardservices.com/en/solutions> Explore our products </a></span></div><div class="hero-banner__cta hero-banner__cta-secondary"> <span class="btn-wrapper btn-wrapper--btn-secondary"><a class="btn btn-secondary" href=https://www.mastercardservices.com/en/industries> Solutions for your industry </a></span></div></div></div></div></div></div></div><div class="full-breakout gray_2"><div class="u-site-container full_width"><div class="component-row vertical-padding_small"><div class="paragraph paragraph--type--logos paragraph--view-mode--default u-site-container"><div class="grid-item col-sm-12 col-lg-12"><div class="mcds-component-carousel-slick" style="display: none"><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/american-logo.png.webp" alt="American Airlines Logo" class="image image--primary" width="161" height="60" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/bp-logo-black-and-white_sm_0.png.webp" alt="BP logo" class="image image--primary" width="236" height="223" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/coca-cola-logo-black-and-white_0.png.webp" alt="Coca-cola Logo" class="image image--primary" width="236" height="77" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/mc-donald-logo_1.png.webp" alt="McDonalds Logo " class="image image--primary" width="83" height="73" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/nestle-logo-bw.png.webp" alt="Nestle Logo" class="image image--primary" width="236" height="68" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/subway-logo-black-and-white_1.png.webp" alt="Subway logo" class="image image--primary" width="236" height="65" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/virgin-atlantic-logo-large.png.webp" alt="Virgin Atlantic Logo" class="image image--primary" width="236" height="57" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/wild%20fork%20logo_0.png.webp" alt="Wild fork logo" class="image image--primary" width="236" height="32" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/walgreens%20logo%20new%20bw.png.webp" alt="walgreens logo bw" class="image image--primary" width="236" height="47" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/J-Crew-Logo.png.webp" alt="J-Crew-Logo" class="image image--primary" width="236" height="45" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/procter%20and%20gamble%20logo.png.webp" alt="Procter & Gamble logo" class="image image--primary" width="236" height="104" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/Elf_logo_PNG1w.png.webp" alt="eyes lips face logo" class="image image--primary" width="236" height="133" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/Thorntons_logo.png.webp" alt="Thorntons_logo" class="image image--primary" width="236" height="45" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/Myer%20logo.png.webp" alt="Myer logo" class="image image--primary" width="236" height="38" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/Monzo-Logo-PNG_013.png.webp" alt="Monzo-Logo" class="image image--primary" width="236" height="52" loading="lazy" /></div><div class="logo" slot="logo"> <img src="/sites/default/files/styles/logos/public/asda%20logo.png.webp" alt="ASDA logo" class="image image--primary" width="236" height="70" loading="lazy" /></div></div></div></div></div></div></div><div class="full-breakout"> <outline-grid gap-size="medium" is-nested="" container-align="center"> <outline-column content-align="top" col-span-default="12" row-span="1"> <mc-side-by-side cta-text="" cta-url="" background-color="gray1" media-left > <picture slot=mc-side-by-side--media > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/homepage_what-is_v4.png.webp" media="(max-width: 3840px)"> <img src="/sites/default/files/styles/image_process_webp/public/homepage_what-is_v4.png.webp" alt="Professional services conversation" class="image image--picture" width="1000" height="767" loading="lazy" /></picture> <mc-title level="h2" color="mc-side-by-side-text-color" text-transform="none" level-size="4xl" font-weight="mediumlight" slot="mc-side-by-side--title"> Mastercard Data & Services, the professional services and solutions arm of Mastercard </mc-title><div slot="mc-side-by-side--description"> <outline-styled-text><p>Enhance business performance, elevate consumer experiences and enable innovation with our world-renowned industry experts and proprietary data and technology.</p><mc-button aria-disabled="false" arrow="false" button-color="dark" color="brand-primary" icon-position="right" icon-size="medium" is-arrow="true" size="medium" svg-name="arrow-icon" target="_self" text-align="left" text-color="currentColor" url="/about" variant="link" class="mb-6"> Discover who we are </mc-button><mc-detail body-font-size="lg"><mc-svg slot="mc-detail--icon" svg-name="fintech"></mc-svg><div slot="mc-detail--title" variant="">Real-time transaction data and proprietary analysis</div></mc-detail><mc-detail body-font-size="lg"><mc-svg slot="mc-detail--icon" svg-name="chart-line-up"></mc-svg><div slot="mc-detail--title">Global economic and consumer insights and analysis</div></mc-detail><mc-detail body-font-size="lg"><mc-svg slot="mc-detail--icon" svg-name="commercial"></mc-svg><div slot="mc-detail--title">Data-driven consulting & marketing services</div></mc-detail> </outline-styled-text></div><div slot="mc-side-by-side--eyebrow"> GOING BEYOND THE TRANSACTION</div> </mc-side-by-side> </outline-column> </outline-grid></div><div class="full-breakout gray_15"><div class="u-site-container full_width"><div class="component-row"><div class="row-content__wrapper"><div class="grid-item col-sm-12 col-lg-12"><div class="basic-html basic-html--primary"><div class="basic-html__inner"><div class="basic-html__content"><h1 class="basic-html__headline basic-html__h1">Did you know we have…</h1></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><div class="statistic canvas-default"><div class="statistic__inner"><div class="statistic__content"><div class="statistic__stat">3,900+</div><div class="statistic__description">Clients in 120+ Countries</div></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><div class="statistic canvas-default"><div class="statistic__inner"><div class="statistic__content"><div class="statistic__stat">125B+</div><div class="statistic__description">Purchase Transactions</div></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><div class="statistic canvas-default"><div class="statistic__inner"><div class="statistic__content"><div class="statistic__stat">600+</div><div class="statistic__description">Solutions Patented</div></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><div class="statistic canvas-default"><div class="statistic__inner"><div class="statistic__content"><div class="statistic__stat">80M+</div><div class="statistic__description">Merchant Locations</div></div></div></div></div></div></div></div></div><div class="full-breakout gray_2"><div class="u-site-container full_width"><div class="component-row"><div class="row-content__wrapper"><div class="grid-item col-sm-12 col-lg-12"><div class="u-site-container paragraph paragraph--type--tab-nav paragraph--view-mode--default"> <mc-tab-group-2col placement=""><div slot="mc-tab-group-2col--title"> <mc-title level="h3" color="neutral-gray7" text-transform="uppercase" level-size="sm" font-weight="bold"><div>Industries we serve</div> </mc-title> <mc-title level="h2" color="neutral-gray7" text-transform="none" level-size="4xl" font-weight="mediumlight"><div>Solving problems across a variety of industries </div> </mc-title></div> <mc-tab two-col="" slot="nav" panel="76466"><div>Retail banks</div> </mc-tab><mc-tab-panel two-col="" name="76466"> <outline-grid gap-size="large" is-nested="" container-align="center"> <outline-column class="" content-align="top" col-span-default="12" col-span-sm="12" col-span-md="12" col-span-lg="12" col-span-xl="6" col-span-xxl="6" row-span="1"><div><h3 style="text-align:left;">We help<strong> retail banks</strong> continuously innovate and optimize their programs</h3><p>Mastercard Data & Services empowers retail banks to create and develop winning strategies, embrace data to improve outcomes, acquire and retain customers and manage payments effectively.</p></div><p> <a class="btn btn-primary" href="/en/industries/retail-banking"> <span class="btn-wrapper btn-wrapper--btn-primary">Explore retail banking solutions</span> </a></p> </outline-column> <outline-column class="" content-align="top" col-span-default="12" col-span-sm="12" col-span-md="12" col-span-lg="12" col-span-xl="6" col-span-xxl="6" row-span="1"><div><h4 class="basic-html__eyebrow">Featured banking capabilities</h4><mc-detail body-font-size="xl" url="/en/mastercard-advisors-consulting"><mc-svg slot="mc-detail--icon" svg-name="customer-relationship-mgmt"></mc-svg><div slot="mc-detail--title">Mastercard Advisors Consulting</div></mc-detail><mc-detail body-font-size="lg" url="/en/mastercard-market-trends"><mc-svg slot="mc-detail--icon" svg-name="fintech"></mc-svg><div slot="mc-detail--title">Mastercard Market Trends</div></mc-detail><mc-detail body-font-size="lg" url="/en/portfolio-intelligence-solutions"><mc-svg slot="mc-detail--icon" svg-name="commercial"></mc-svg><div slot="mc-detail--title">Portfolio Intelligence Solutions</div></mc-detail><mc-detail body-font-size="lg" url="/en/test-learn"><mc-svg slot="mc-detail--icon" svg-name="chart-line-up"></mc-svg><div slot="mc-detail--title">Test & Learn®</div></mc-detail></div> </outline-column> </outline-grid><div></div> <outline-grid gap-size="small" is-nested="" container-align="center"> </outline-grid></mc-tab-panel> <mc-tab two-col="" slot="nav" panel="76486"><div>Commercial banks</div> </mc-tab><mc-tab-panel two-col="" name="76486"> <outline-grid gap-size="large" is-nested="" container-align="center"> <outline-column class="" content-align="top" col-span-default="12" col-span-sm="12" col-span-md="12" col-span-lg="12" col-span-xl="6" col-span-xxl="6" row-span="1"><div><h3 style="text-align:left;">We help <strong>commercial banks</strong> deliver the next frontier of B2B payments</h3><p>Mastercard Data & Services empowers commercial banks to make data-driven strategy decisions, deliver differentiated solutions, win new customers and grow existing relationships.</p></div><p> <a class="btn btn-primary" href="/en/industries/commercial-banks"> <span class="btn-wrapper btn-wrapper--btn-primary">Explore commercial banking solutions</span> </a></p> </outline-column> <outline-column class="" content-align="top" col-span-default="12" col-span-sm="12" col-span-md="12" col-span-lg="12" col-span-xl="6" col-span-xxl="6" row-span="1"><div><h4 class="basic-html__eyebrow">Featured banking capabilities</h4><mc-detail body-font-size="lg" url="/en/global-treasury-intelligence"><mc-svg slot="mc-detail--icon" svg-name="fintech"></mc-svg><div slot="mc-detail--title">Global Treasury Intelligence</div></mc-detail><mc-detail body-font-size="xl" url="/en/mastercard-advisors-consulting"><mc-svg slot="mc-detail--icon" svg-name="customer-relationship-mgmt"></mc-svg><div slot="mc-detail--title">Mastercard Advisors Consulting</div></mc-detail></div> </outline-column> </outline-grid><div></div> <outline-grid gap-size="small" is-nested="" container-align="center"> </outline-grid></mc-tab-panel> <mc-tab two-col="" slot="nav" panel="76516"><div>Fintech</div> </mc-tab><mc-tab-panel two-col="" name="76516"> <outline-grid gap-size="large" is-nested="" container-align="center"> <outline-column class="" content-align="top" col-span-default="12" col-span-sm="12" col-span-md="12" col-span-lg="12" col-span-xl="6" col-span-xxl="6" row-span="1"><div><h3 style="text-align:left;">We empower <strong>fintech</strong> companies and <strong>digital players</strong> to turn bold ideas into tangible results.</h3><p>Mastercard Data & Services empowers fintech companies and digital partners to build new products, launch data-driven strategies and grow their business for the future.</p></div><p> <a class="btn btn-primary" href="/en/industries/fintech"> <span class="btn-wrapper btn-wrapper--btn-primary">Explore fintech solutions</span> </a></p> </outline-column> <outline-column class="" content-align="top" col-span-default="12" col-span-sm="12" col-span-md="12" col-span-lg="12" col-span-xl="6" col-span-xxl="6" row-span="1"><div><h4 class="basic-html__eyebrow">Featured fintech capabilities</h4><mc-detail body-font-size="lg" url="/en/mastercard-advisors-consulting"><mc-svg slot="mc-detail--icon" svg-name="customer-relationship-mgmt"></mc-svg><div slot="mc-detail--title">Mastercard Advisors Consulting</div></mc-detail><mc-detail body-font-size="lg" url="/en/portfolio-intelligence-solutions"><mc-svg slot="mc-detail--icon" svg-name="acquiring"></mc-svg><div slot="mc-detail--title">Portfolio Intelligence Solutions</div></mc-detail><mc-detail body-font-size="lg" url="/en/portfolio-optimizer"><mc-svg slot="mc-detail--icon" svg-name="market-assessment"></mc-svg><div slot="mc-detail--title">Portfolio Optimizer</div></mc-detail><mc-detail body-font-size="lg" url="/en/node/4991"><mc-svg slot="mc-detail--icon" svg-name="mc-icon-processing-orng"></mc-svg><div slot="mc-detail--title">Digital Labs</div></mc-detail></div> </outline-column> </outline-grid><div></div> <outline-grid gap-size="small" is-nested="" container-align="center"> </outline-grid></mc-tab-panel> <mc-tab two-col="" slot="nav" panel="76526"><div>Retail</div> </mc-tab><mc-tab-panel two-col="" name="76526"> <outline-grid gap-size="large" is-nested="" container-align="center"> <outline-column class="" content-align="top" col-span-default="12" col-span-sm="12" col-span-md="12" col-span-lg="12" col-span-xl="6" col-span-xxl="6" row-span="1"><div><h3 style="text-align:left;">We help <strong>retailers</strong> understand and engage consumers in a personalized way, driving profitability.</h3><p>Mastercard Data & Services enables retailers to personalize the shopping experience, drive stronger relationships with customers, understand the macro-consumer environment and optimize key investments, such as store remodels or retail space planning.</p></div><p> <a class="btn btn-primary" href="/en/industries/mastercard-retailers"> <span class="btn-wrapper btn-wrapper--btn-primary">Explore retail solutions</span> </a></p> </outline-column> <outline-column class="" content-align="top" col-span-default="12" col-span-sm="12" col-span-md="12" col-span-lg="12" col-span-xl="6" col-span-xxl="6" row-span="1"><div><h4 class="basic-html__eyebrow">Featured retail capabilities</h4><mc-detail body-font-size="lg" url="/en/spendingpulse"><mc-svg slot="mc-detail--icon" svg-name="global-commerce"></mc-svg><div slot="mc-detail--title">SpendingPulse™</div></mc-detail><mc-detail body-font-size="lg" url="/en/test-learn"><mc-svg slot="mc-detail--icon" svg-name="chart-line-up"></mc-svg><div slot="mc-detail--title">Test & Learn®</div></mc-detail><mc-detail body-font-size="lg" url="https://www.dynamicyield.com/" target="_blank"><mc-svg slot="mc-detail--icon" svg-name="data"></mc-svg><div slot="mc-detail--title">Dynamic Yield</div></mc-detail><mc-detail body-font-size="lg" url="/en/sessionm"><mc-svg slot="mc-detail--icon" svg-name="customer-relationship-mgmt"></mc-svg><div slot="mc-detail--title">SessionM</div></mc-detail></div> </outline-column> </outline-grid><div></div> <outline-grid gap-size="small" is-nested="" container-align="center"> </outline-grid></mc-tab-panel> <mc-tab two-col="" slot="nav" panel="76536"><div>Restaurants</div> </mc-tab><mc-tab-panel two-col="" name="76536"> <outline-grid gap-size="large" is-nested="" container-align="center"> <outline-column class="" content-align="top" col-span-default="12" col-span-sm="12" col-span-md="12" col-span-lg="12" col-span-xl="6" col-span-xxl="6" row-span="1"><div><h3 style="text-align:left;">We help <strong>restaurant brands</strong> and <strong>franchised stores</strong> understand how to optimize and accelerate their businesses.</h3><p>Mastercard Data & Services partners with clients to assist in menu management, personalized offers and marketing, and incrementality analysis to help grow clients’ core business.</p></div><p> <a class="btn btn-primary" href="/en/industries/restaurants"> <span class="btn-wrapper btn-wrapper--btn-primary">Explore restaurant solutions</span> </a></p> </outline-column> <outline-column class="" content-align="top" col-span-default="12" col-span-sm="12" col-span-md="12" col-span-lg="12" col-span-xl="6" col-span-xxl="6" row-span="1"><div><h4 class="basic-html__eyebrow">Featured restaurant capabilities</h4><mc-detail body-font-size="lg" url="/en/menu-analyzer"><mc-svg slot="mc-detail--icon" svg-name="restaurant-1"></mc-svg><div slot="mc-detail--title">Menu Analyzer</div></mc-detail><mc-detail body-font-size="lg" url="/en/spendingpulse"><mc-svg slot="mc-detail--icon" svg-name="global-commerce"></mc-svg><div slot="mc-detail--title">SpendingPulse™</div></mc-detail><mc-detail body-font-size="lg" url="https://www.dynamicyield.com/" target="_blank"><mc-svg slot="mc-detail--icon" svg-name="data"></mc-svg><div slot="mc-detail--title">Dynamic Yield</div></mc-detail><mc-detail body-font-size="lg" url="/en/sessionm"><mc-svg slot="mc-detail--icon" svg-name="customer-relationship-mgmt"></mc-svg><div slot="mc-detail--title">SessionM</div></mc-detail></div> </outline-column> </outline-grid><div></div> <outline-grid gap-size="small" is-nested="" container-align="center"> </outline-grid></mc-tab-panel> <mc-tab two-col="" slot="nav" panel="76546"><div>Consumer Goods</div> </mc-tab><mc-tab-panel two-col="" name="76546"> <outline-grid gap-size="large" is-nested="" container-align="center"> <outline-column class="" content-align="top" col-span-default="12" col-span-sm="12" col-span-md="12" col-span-lg="12" col-span-xl="6" col-span-xxl="6" row-span="1"><div><h3 style="text-align:left;">We help <strong>consumer goods</strong> companies understand consumer needs and build strategies for growth.</h3><p>Mastercard Data & Services partners with consumer packaged goods companies and fast-moving consumer goods companies to grow their business by optimizing products, pricing, and marketing through in-market testing, developing loyalty solutions, and understanding changes and forecasted shifts in consumer spending.</p></div><p> <a class="btn btn-primary" href="/en/industries/consumer-packaged-goods"> <span class="btn-wrapper btn-wrapper--btn-primary">Explore manufacturing solutions</span> </a></p> </outline-column> <outline-column class="" content-align="top" col-span-default="12" col-span-sm="12" col-span-md="12" col-span-lg="12" col-span-xl="6" col-span-xxl="6" row-span="1"><div><h4 class="basic-html__eyebrow">Featured consumer goods capabilities</h4><mc-detail body-font-size="lg" url="/en/test-learn"><mc-svg slot="mc-detail--icon" svg-name="chart-line-up"></mc-svg><div slot="mc-detail--title">Test & Learn®</div></mc-detail><mc-detail body-font-size="lg" url="/en/spendingpulse"><mc-svg slot="mc-detail--icon" svg-name="global-commerce"></mc-svg><div slot="mc-detail--title">SpendingPulse™</div></mc-detail><mc-detail body-font-size="lg" url="/en/sessionm"><mc-svg slot="mc-detail--icon" svg-name="customer-relationship-mgmt"></mc-svg><div slot="mc-detail--title">SessionM</div></mc-detail></div> </outline-column> </outline-grid><div></div> <outline-grid gap-size="small" is-nested="" container-align="center"> </outline-grid></mc-tab-panel> <mc-tab two-col="" slot="nav" panel="76556"><div>Travel</div> </mc-tab><mc-tab-panel two-col="" name="76556"> <outline-grid gap-size="large" is-nested="" container-align="center"> <outline-column class="" content-align="top" col-span-default="12" col-span-sm="12" col-span-md="12" col-span-lg="12" col-span-xl="6" col-span-xxl="6" row-span="1"><div><h3 style="text-align:left;">We help <strong>travel, hospitality & entertainment operators</strong> grow profitably and engage customers.</h3><p>Mastercard Data & Services supports industry leaders to deliver personalized experiences, build loyalty, drive innovation, and make data driven decisions across their business.</p></div><p> <a class="btn btn-primary" href="/en/industries/airlines"> <span class="btn-wrapper btn-wrapper--btn-primary">Explore travel solutions</span> </a></p> </outline-column> <outline-column class="" content-align="top" col-span-default="12" col-span-sm="12" col-span-md="12" col-span-lg="12" col-span-xl="6" col-span-xxl="6" row-span="1"><div><h4 class="basic-html__eyebrow">Featured travel capabilities</h4><mc-detail body-font-size="lg" url="/en/test-learn"><mc-svg slot="mc-detail--icon" svg-name="chart-line-up"></mc-svg><div slot="mc-detail--title">Test & Learn®</div></mc-detail><mc-detail body-font-size="lg" url="/en/solutions/consumer-engagement/loyalty-offers"><mc-svg slot="mc-detail--icon" svg-name="gift"></mc-svg><div slot="mc-detail--title">Loyalty Offers</div></mc-detail><mc-detail body-font-size="lg" url="https://www.dynamicyield.com/" target="_blank"><mc-svg slot="mc-detail--icon" svg-name="data"></mc-svg><div slot="mc-detail--title">Dynamic Yield</div></mc-detail><mc-detail body-font-size="lg" url="/en/marketing-services"><mc-svg slot="mc-detail--icon" svg-name="mc-icon-pin-touch-id-orng"></mc-svg><div slot="mc-detail--title">Marketing services</div></mc-detail></div> </outline-column> </outline-grid><div></div> <outline-grid gap-size="small" is-nested="" container-align="center"> </outline-grid></mc-tab-panel> </mc-tab-group-2col></div></div></div></div></div></div><div class="full-breakout gray_1"><div class="u-site-container full_width"><div class="component-row"><div class="row-content__wrapper"><div class="grid-item col-sm-12 col-lg-4"><div class="banner banner--inline banner--ratio-landscape_4_3"><div class="banner__inner"><div class="banner__image"> <picture > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/woman-using-phone-outside-night_4x3.png.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/woman-using-phone-outside-night_4x3.png.webp" media="(max-width: 1280px)"> <img src="/sites/default/files/styles/image_process_webp/public/woman-using-phone-outside-night_4x3.png.webp" alt="Woman using data on phone" class="image image--picture" width="867" height="650" loading="lazy" /></picture></div><div class="banner__content"><div class="banner__headline">Our data promise</div><div class="banner__summary"><p>We comply with the strictest standards of global data protection laws and have earned certifications for our privacy practices.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="https://www.mastercard.us/en-us/vision/corp-responsibility/data-responsibility.html">Read more</a> <i class="icon icon--right-arrow banner__icon--right-arrow"></i> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><div class="banner banner--inline banner--ratio-landscape_4_3"><div class="banner__inner"><div class="banner__image"> <picture > <source srcset="/sites/default/files/styles/image_process_webp/public/Holiday%20MEI.png.webp" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Holiday%20MEI.png.webp" alt="Family looking at christmas decorations" class="image image--picture" width="668" height="500" loading="lazy" /></picture></div><div class="banner__content"><div class="banner__headline">US holiday spending outlook 2024: Meet this year’s holiday shopper</div><div class="banner__summary"> <article><p>What’s the outlook for US holiday spending? All aboard the Mastercard Holiday Express as we tour the economic landscape and meet this year’s holiday shopper.</p></article></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="/en/advisors/economic-consulting/insights/us-holiday-spending-outlook-2024-meet-year-s-holiday-shopper">Read the report</a> <i class="icon icon--right-arrow banner__icon--right-arrow"></i> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><div class="banner banner--inline banner--ratio-landscape_4_3"><div class="banner__inner"><div class="banner__image"> <picture > <source srcset="/sites/default/files/styles/image_process_webp/public/Open%20banking%20in%20the%20US_668X500.png.webp" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Open%20banking%20in%20the%20US_668X500.png.webp" alt="Open banking in the US teaser" class="image image--picture" width="668" height="500" loading="lazy" /></picture></div><div class="banner__content"><div class="banner__headline">Orchestrating open banking in the U.S.</div><div class="banner__summary"><p>At the convergence of regulation and consumer demand with the implementation of section 1033 of the Dodd-Frank Act.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="/en/advisors/data-infrastructure-consulting/insights/orchestrating-open-banking-us">Read more</a> <i class="icon icon--right-arrow banner__icon--right-arrow"></i> </span></div></div></div></div></div></div></div></div><div class="full-breakout banner-wrapper canvas-default"><div class="grid-item col-sm-12 col-lg-12"><div class="banner banner--no-overlay banner--ratio-landscape_4_3"><div class="banner__inner min-height-400"><div class="banner__image"> <picture > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/SessionM%20CTA%20banner.jpg.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp_lg/public/SessionM%20CTA%20banner.jpg.webp" media="(max-width: 1280px)"> <source srcset="/sites/default/files/styles/image_process_webp_xl/public/SessionM%20CTA%20banner.jpg.webp" media="(max-width: 1920px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/SessionM%20CTA%20banner.jpg.webp" media="(max-width: 3840px)"> <img src="/sites/default/files/styles/image_process_webp/public/SessionM%20CTA%20banner.jpg.webp" alt="SessionM interested" class="image image--picture" width="2880" height="1000" loading="lazy" /></picture></div><div class="banner__content"><div class="banner__summary"><h2>Interested?</h2><p>Want to learn more about how Mastercard Data & Services can enhance your <br />business performance, elevate consumer experiences and enable innovation?</p><p>Let one of our specialists show you. </p></div> <span class="btn-wrapper btn-wrapper-- btn-wrapper--orange"><a class="btn btn-orange" href=/en/overview/demo-request> Request a demo </a></span> </span></div></div></div></div></div></div></article></div></div></div> </main></div><footer class="footer" role="contentinfo"><div id="block-mastercardrefering" data-block-plugin-id="block_content:18abbd1e-7b67-48ec-860f-7c775b7ffc30"><div><style type="text/css">span[data-simple-mega-menu="21"] { display:none; }</style><div class="mastercard__ref"> </div></div></div><div id="block-particle-mcdsglobalfooter" data-block-plugin-id="mcds_core_mcds_global_footer"><div class="mcds-footer-component"><div class="full-breakout"><div class="u-site-container"><div class="component-row"><div class="row-content__wrapper"><div class="grid-item col-sm-12 col-lg-12"> <mcds-footer><div class="mcds-footer-logo" slot="logo"> <mc-svg svg-name="logo-standalone"></mc-svg></div> <outline-heading heading-level="h2" level-size="2xl" level-style="normal" slot="title"> Contact Mastercard Data & Services: </outline-heading><p slot="body">Learn more about our solutions and your customers</p> <mcds-footer-menu slot="navigation"><div slot="heading">About</div> <mc-button url="/en/overview/about" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> What is Data & Services? </mc-button> <mc-button url="https://www.mastercard.us/en-us/vision/corp-responsibility/data-responsibility.html" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Our data advantage </mc-button> <mc-button url="/en/resources/case-studies" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Case studies </mc-button> <mc-button url="https://careers.mastercard.com/us/en" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Careers </mc-button> <mc-button url="https://investor.mastercard.com/overview/default.aspx" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Investor relations </mc-button> <mc-button url="https://www.mastercard.com/news/" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Newsroom </mc-button> </mcds-footer-menu> <mcds-footer-menu slot="navigation"><div slot="heading">Resources</div> <mc-button url="/en/resources/reports" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Articles </mc-button> <mc-button url="/en/resources/events" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Events </mc-button> <mc-button url="/en/resources/webinars" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Webinars </mc-button> </mcds-footer-menu> <mcds-footer-menu slot="navigation"><div slot="heading">Industries</div> <mc-button url="/en/industries/commercial-banks" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Financial services </mc-button> <mc-button url="/en/industries/consumer-packaged-goods" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Consumer goods </mc-button> <mc-button url="/en/industries/restaurants" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Restaurants </mc-button> <mc-button url="/en/industries/retail-banking" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Retail banking </mc-button> <mc-button url="/en/industries/mastercard-retailers" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Retail </mc-button> <mc-button url="/en/capabilities/spendingpulse/travel-hospitality" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Travel </mc-button> <mc-button url="/en/industries" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> See all industries </mc-button> </mcds-footer-menu> <mcds-footer-menu slot="navigation"><div slot="heading">Capabilities</div> <mc-button url="/en/capabilities/spendingpulse" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> SpendingPulse™ </mc-button> <mc-button url="/en/capabilities/test-learn" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Test & Learn® </mc-button> <mc-button url="/en/capabilities" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> See all products </mc-button> </mcds-footer-menu> <mcds-footer-menu slot="navigation"><div slot="heading">Mastercard Advisors</div> <mc-button url="/en/advisors/ai-advanced-analytics" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> AI & advanced analytics </mc-button> <mc-button url="/en/advisors/consumer-engagement-loyalty" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Consumer engagement & loyalty </mc-button> <mc-button url="/en/advisors/cyber-enterprise-risk" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Cyber & enterprise risk </mc-button> <mc-button url="/en/advisors/data-strategy-management" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Data & infrastructure </mc-button> <mc-button url="/en/advisors/economics" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Economic consulting </mc-button> <mc-button url="/en/advisors/future-tech" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Future Technology </mc-button> <mc-button url="/en/advisors/payments" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Payments consulting </mc-button> <mc-button url="/en/advisors/sustainability-financial-inclusion" slot="content" variant="link" size="medium" button-color="light" text-color="currentColor" arrow="false"> Sustainability & Financial Inclusion </mc-button> </mcds-footer-menu> <mc-button url="/en/overview/demo-request" text-align="center" slot="cta"> Get Started </mc-button> <a href="https://www.mastercard.com/" slot="link" class="mcds-footer-link"> Visit Mastercard.com </a><div slot="copyright">© 1994-2024 Mastercard</div><ul class="footer-bottom-links" slot="bottom-links"><li> <a href="https://www.mastercard.us/en-us/vision/corp-responsibility/commitment-to-privacy/privacy.html">Global Privacy Policy</a></li><li> <a href="https://www.mastercard.us/en-us/vision/who-we-are/terms-of-use.html">Terms of Use</a></li></ul><ul class="footer-social-icons" slot="social-icons"><li> <a href="https://www.linkedin.com/company/mastercard-data-and-services/" title="Linkedin"> <mc-svg svg-name="linkedin-alt"></mc-svg> </a></li><li> <a href="#" title="Twitter"> <mc-svg svg-name="twitter"></mc-svg> </a></li></ul> </mcds-footer></div></div></div></div></div></div></div></footer></div> <button id="ot-sdk-btn" class="ot-sdk-show-settings">Manage Cookies</button><script src="/sites/default/files/js/js_BZqb2-N0LSkF-chT9Ai6XBarZTO4HusbTjlkTtI5Z8c.js?scope=footer&delta=0&language=en&theme=particle&include=eJxtUEGSxCAI_NAkPskiwiRuVFzA2crv14xVySUXaOm2bczBBxZyefT5LP5HfYqLgByvHFA9IC_koUA6LAZ1SmaxrPrMXmjQSBkKLqDkbjioN4C6s_jfRnKoSXcdFBcyaWouMO-REvxNVRgHWUGQzY32MJqUmwSaTCDsp6V2b8ru-3KX9HCJ3LnqfeJmKRZ6hZ0wGouH0AUYubgLzW_hYlTwvAarQN3UobQKab4ncyu1LSnqRvj8Q5-IxP5K99UEzrUvXcwHEG5KyWmKYb8TCn2iEk4bZ6qw0j9StK6d"></script><script src="https://cdn.cookielaw.org/scripttemplates/otSDKStub.js" data-document-language data-domain-script="0ff9c6d5-7605-4d44-919a-1e76e22376b9" charset="UTF-8"></script><script src="/sites/default/files/js/js_yrx-WD3ccgpDa_XABlLn1qZ0G_IRs--6bZwWDDalpRw.js?scope=footer&delta=2&language=en&theme=particle&include=eJxtUEGSxCAI_NAkPskiwiRuVFzA2crv14xVySUXaOm2bczBBxZyefT5LP5HfYqLgByvHFA9IC_koUA6LAZ1SmaxrPrMXmjQSBkKLqDkbjioN4C6s_jfRnKoSXcdFBcyaWouMO-REvxNVRgHWUGQzY32MJqUmwSaTCDsp6V2b8ru-3KX9HCJ3LnqfeJmKRZ6hZ0wGouH0AUYubgLzW_hYlTwvAarQN3UobQKab4ncyu1LSnqRvj8Q5-IxP5K99UEzrUvXcwHEG5KyWmKYb8TCn2iEk4bZ6qw0j9StK6d"></script><script src="/modules/contrib/ckeditor_accordion/js/accordion.frontend.min.js?sl5bxz"></script><script src="/sites/default/files/js/js_TQnMnFPr4X75iDDrXDMzpiLXSZkpo1RxH5_xajvbqAc.js?scope=footer&delta=4&language=en&theme=particle&include=eJxtUEGSxCAI_NAkPskiwiRuVFzA2crv14xVySUXaOm2bczBBxZyefT5LP5HfYqLgByvHFA9IC_koUA6LAZ1SmaxrPrMXmjQSBkKLqDkbjioN4C6s_jfRnKoSXcdFBcyaWouMO-REvxNVRgHWUGQzY32MJqUmwSaTCDsp6V2b8ru-3KX9HCJ3LnqfeJmKRZ6hZ0wGouH0AUYubgLzW_hYlTwvAarQN3UobQKab4ncyu1LSnqRvj8Q5-IxP5K99UEzrUvXcwHEG5KyWmKYb8TCn2iEk4bZ6qw0j9StK6d"></script></body></html>