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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 Barry’s leveled up its tiered loyalty program with SessionM" article-card-title="Case Study" url="/en/capabilities/case-studies/how-barry-s-leveled-its-tiered-loyalty-program-sessionm" 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/Barrys%20Teaser.png.webp" alt="People working out at Barrys 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 menu-item--active-trail"> <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/digital-disbursements" data-drupal-link-system-path="node/10656">Digital Disbursements</a></li><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-business-intelligence" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4381">Mastercard Business Intelligence</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 menu-item--active-trail"> <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 menu-item--active-trail primary-nav--menu--cta"> <a href="/en/capabilities/sme-portfolio-optimization" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent is-active" data-drupal-link-system-path="node/8191" aria-current="page">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 article</div> </mc-title></div><div class="mc-multi-column-nav__content featured-articles-container"><div class="paragraph--article-card"><mds-article-card summary="The essential guide to paid loyalty" article-card-title="Blog" url="https://www.mastercardservices.com/en/advisors/consumer-engagement-loyalty-consulting/insights/essential-guide-paid-loyalty" 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/Paid%20loyalty%20teaser_image_1.png.webp" alt="Woman on tablet 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/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="The luxury retail marketer’s guide to customer loyalty<br />" article-card-title="Blog" url="/en/advisors/consumer-engagement-loyalty-consulting/insights/luxury-retail-marketers-guide-customer" 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/CS241234-Illustrations-for-luxury-retail_Teaser_Image_2.png.webp" alt="Woman shopping in retail looking at clothes teaser" loading="lazy" > </picture></mds-article-card></div><div class="paragraph--article-card"><mds-article-card summary="Expert tips for reducing retail shrink" article-card-title="Blog" url="/en/industries/retail/insights/expert-tips-reducing-retail-shrink" 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/Retail%20Blog%20Creatives_Shrink_668X500.png.webp" alt="Retail Blog Creatives_Shrink_668X500" 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="The CMO’s guide to customer engagement in retail" article-card-title="Blog" url="/en/industries/retail/insights/cmo-s-guide-customer-engagement-retail" 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/CMOs%20Guide_Retail_668X500.png.webp" alt="Woman looking at clothes teaser image" loading="lazy" > </picture></mds-article-card></div><div class="paragraph--article-card"><mds-article-card summary="Impact evaluation drives effective public sector change" article-card-title="Blog" url="/en/industries/governments/insights/impact-evaluation-drives-effective-public-sector-change" 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/11.6.tile_image.png.webp" alt="City skyline 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-business-intelligence" data-drupal-link-system-path="node/4381">Mastercard Business Intelligence</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 article</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 2025" article-card-title="Mastercard Economic Institute" url="/en/advisors/economic-consulting/insights/economic-outlook-2025" 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/668x500-Tile.jpg.webp" alt="Steering through change 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 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/capabilities/sme-portfolio-optimization" 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="" size="60" maxlength="128" /></div></div><span class="btn-wrapper"> <input data-drupal-selector="edit-submit" type="submit" id="edit-submit--3" name="op" value="Search" class="button js-form-submit form-submit" /></span><input data-drupal-selector="form-s33vvwfv-62pelyomye3nuhstul1uyixf7sx7n83hvu" type="hidden" name="form_build_id" value="form-S33vVwFv-62pElYomYe3nUhstuL1UYIxf7sX7N83hVU" /><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 Barry’s leveled up its tiered loyalty program with SessionM" article-card-title="Case Study" url="/en/capabilities/case-studies/how-barry-s-leveled-its-tiered-loyalty-program-sessionm" 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/Barrys%20Teaser.png.webp" alt="People working out at Barrys 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 menu-item--active-trail"> <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/digital-disbursements" data-drupal-link-system-path="node/10656">Digital Disbursements</a></li><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-business-intelligence" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4381">Mastercard Business Intelligence</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 menu-item--active-trail"> <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 menu-item--active-trail primary-nav--menu--cta"> <a href="/en/capabilities/sme-portfolio-optimization" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent is-active" data-drupal-link-system-path="node/8191" aria-current="page">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 article</div> </mc-title></div><div class="mc-multi-column-nav__content featured-articles-container"><div class="paragraph--article-card"><mds-article-card summary="The essential guide to paid loyalty" article-card-title="Blog" url="https://www.mastercardservices.com/en/advisors/consumer-engagement-loyalty-consulting/insights/essential-guide-paid-loyalty" 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/Paid%20loyalty%20teaser_image_1.png.webp" alt="Woman on tablet 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/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="The luxury retail marketer’s guide to customer loyalty<br />" article-card-title="Blog" url="/en/advisors/consumer-engagement-loyalty-consulting/insights/luxury-retail-marketers-guide-customer" 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/CS241234-Illustrations-for-luxury-retail_Teaser_Image_2.png.webp" alt="Woman shopping in retail looking at clothes teaser" loading="lazy" > </picture></mds-article-card></div><div class="paragraph--article-card"><mds-article-card summary="Expert tips for reducing retail shrink" article-card-title="Blog" url="/en/industries/retail/insights/expert-tips-reducing-retail-shrink" 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/Retail%20Blog%20Creatives_Shrink_668X500.png.webp" alt="Retail Blog Creatives_Shrink_668X500" 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" 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class="product-detail"><div class="full-breakout hero-banner"><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/SME%20PO%20header%20cropped.jpg.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp_lg/public/SME%20PO%20header%20cropped.jpg.webp" media="(max-width: 1280px)"> <source srcset="/sites/default/files/styles/image_process_webp_xl/public/SME%20PO%20header%20cropped.jpg.webp" media="(max-width: 1920px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/SME%20PO%20header%20cropped.jpg.webp" media="(max-width: 3840px)"> <img src="/sites/default/files/styles/image_process_webp/public/SME%20PO%20header%20cropped.jpg.webp" alt="SME PO header" class="image image--picture" width="2880" height="1200" 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 ">SME Portfolio Optimization</h1><div class="hero-banner--description "><p>Optimize SME spend with a relevant and targeted marketing approach.</p></div><div class="hero-banner--pardot-form"><div class="grid-item col-sm-12 col-lg-12"> <span class="btn-wrapper btn-faas btn-wrapper--pardot-modal-btn btn-wrapper--orange--light"> <a class="btn btn-orange--light pardot-modal-btn" data-id="742535a4-405e-475d-b224-7c7763a8531b" href="#" data-click-bound="true"> Request a consultation </a> </span><div class="pardot-form pardot-form--has-bg-color u-bg--white 1of1 pardot-form--light pardot-modal-form" id="742535a4-405e-475d-b224-7c7763a8531b"><div class="mcds-dxp-wrapper theme-default"><div class="dxp"> <dxp-form data-drupal-default-value-ids="" api-url="https://www.mastercard.com/form-services/data/forms/742535a4-405e-475d-b224-7c7763a8531b" submit-api-url="https://www.mastercard.com/form-services/data/" button-position="left" button-type="primary" button-text="Submit" > </dxp-form></div></div></div></div></div></div></div></div></div></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-8"><div class="basic-html basic-html--primary"><div class="basic-html__inner"><div class="basic-html__content"><div class="basic-html__summary"><h2>Develop a robust SME card portfolio</h2><p>Issuers need tools to efficiently manage the complexity of channeling those offerings in a timely and personalized way, to maximize their relevance and drive spend. SME Portfolio Optimization analyzes your business, the market and your competitors to find the best opportunities to drive growth within your SME portfolio. Mastercard SME Portfolio Optimization helps you grow your SME card portfolio from strategy through execution.</p></div></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><div class="basic-html basic-html--primary"><div class="basic-html__inner"><div class="basic-html__content"><div class="basic-html__summary"> <!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN" "http://www.w3.org/TR/REC-html40/loose.dtd"><html><body><img data-entity-uuid="2ef238fc-fd59-4ea4-a63c-6d836d1b5d8b" data-entity-type="file" src="/sites/default/files/inline-images/Commercial-Banking-CVP-Improve_2.webp" alt="SME Portfolio Optimization" width="1460" height="1459"></body></html></div></div></div></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-12"><div class="basic-html basic-html--primary"><div class="basic-html__inner"><div class="basic-html__content"><div class="basic-html__summary"><h2>Support your SME clients from acquisition through retention</h2></div></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/mc_icon_Algorithm_orng_3.png.webp" alt="Understand your SME strategy and positioning " class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Understand your SME strategy and positioning</div><div class="banner__summary"><p>A current state assessment will help you identify your key business drivers, processes, budgets and communication strategies.</p></div> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/mc_icon_Augmented-Reality_orng_3.png.webp" alt="Leverage an analysis assisted by our AI models " class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Leverage an analysis assisted by our AI models</div><div class="banner__summary"><p>Use AI to identify opportunities to enhance SME spend behavior.</p></div> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/Circles%20icon.png.webp" alt="Address your clients with relevant messaging and recommendations" class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Address your clients with relevant messaging and recommendations</div><div class="banner__summary"><p>Mastercard helps you design marketing campaigns that engage with SME cardholders through a discovery session, touchpoint and test design of campaign construct and execution.</p></div> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/mc_icon_Investigation_orng_4.png.webp" alt="Measure campaign's business impact" class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Measure campaign's business impact</div><div class="banner__summary"><p>Use Test & Learn® to measure the effectiveness of the marketing campaign and identify optimization opportunities for future iterations.</p></div> </span></div></div></div></div></div></div></div></div><div class="full-breakout gray_15"><div class="u-site-container full_width"><div class="component-row vertical-padding_small"><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"><div class="basic-html__summary"><h2>Request more information</h2><p>Let one of our specialists show you how Mastercard Data & Services can enhance your<br>business performance, elevate consumer experiences and enable innovation.</p><p><a class="btn btn-orange--light pardot-modal-btn" href="#" data-id="742535a4-405e-475d-b224-7c7763a8531b" data-click-bound="true">Request a consultation</a></p></div></div></div></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-12"><div class="basic-html basic-html--primary"><div class="basic-html__inner"><div class="basic-html__content"><div class="basic-html__summary"><h2>Understanding the spending behavior of SME cards can unlock market potential</h2></div></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><div class="statistic gray_15"><div class="statistic__inner"><div class="statistic__content"><div class="statistic__stat">76%</div><div class="statistic__description">Percentage of small businesses in the US that still use their personal credit card for their business purchases.*</div></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><div class="statistic gray_15"><div class="statistic__inner"><div class="statistic__content"><div class="statistic__stat">2.5x</div><div class="statistic__description">Increase in revenues when the average SME becomes more engaged.**</div></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><div class="statistic gray_15"><div class="statistic__inner"><div class="statistic__content"><div class="statistic__stat">47%</div><div class="statistic__description">GDV growth opportunity when SMEs use a business product rather than a consumer product.**</div></div></div></div></div><div class="grid-item col-sm-12 col-lg-12"><div class="basic-html basic-html--article"><div class="basic-html__inner"><div class="basic-html__content"><div class="basic-html__summary"><p style="color:--neutral-gray6Point5;font-size:12px;line-height:18px;">* Source: Mastercard for Small Business – Quantitative Research Findings, 2022<br>** Source: Mastercard Economic Institute, Recovery Insights: Small Business Reset, 2021</p></div></div></div></div></div></div></div></div></div><div class="full-breakout gray_15"><div class="u-site-container full_width"><div class="component-row vertical-padding_small"><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"><div class="basic-html__summary"><h2>Mastercard Consulting</h2><p>Partner with our consulting experts to optimize your SME offerings.</p><p><a class="btn btn-orange" href="https://www.mastercardservices.com/en/solutions/payments/mastercard-advisors-consulting" target="_blank">Explore our consulting services</a></p></div></div></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="gold7" media-left > <picture slot=mc-side-by-side--media > <source srcset="/sites/default/files/styles/image_process_webp/public/SME%20PO%20Case%20study.png.webp" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/SME%20PO%20Case%20study.png.webp" alt="SME PO Case study" class="image image--picture" width="760" height="612" 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"> A Middle Eastern bank saw 40% growth in number of cards </mc-title><div slot="mc-side-by-side--description"> <outline-styled-text><p>A bank wanted to increase activation and volume by connecting with SME customers at each stage of their card relationship. Mastercard designed new early month on book (EMOB) communications, targeted upsell campaigns based on share of wallet, reactivated customers with reward offers and reported on campaign performance.</p><p>The bank saw 40% annual growth in number of cards, 4% increase in volume for existing customers, and 10% of inactive customers reactivated.</p> </outline-styled-text></div><div slot="mc-side-by-side--eyebrow"> CUSTOMER STORY</div> </mc-side-by-side> </outline-column> </outline-grid></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/first%20cta%20darker_0.jpg.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp_lg/public/first%20cta%20darker_0.jpg.webp" media="(max-width: 1280px)"> <source srcset="/sites/default/files/styles/image_process_webp_xl/public/first%20cta%20darker_0.jpg.webp" media="(max-width: 1920px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/first%20cta%20darker_0.jpg.webp" media="(max-width: 3840px)"> <img src="/sites/default/files/styles/image_process_webp/public/first%20cta%20darker_0.jpg.webp" alt="Interested SME banner" class="image image--picture" width="2880" height="800" loading="lazy" /></picture></div><div class="banner__content"><div class="banner__summary"><h2>Interested?</h2><p>Connect with our team to explore how Mastercard SME Portfolio Optimization <br>can enhance your business.</p></div> </span><div class="grid-item col-sm-12 col-lg-12"> <span class="btn-wrapper btn-faas btn-wrapper--pardot-modal-btn btn-wrapper--white"> <a class="btn btn-white pardot-modal-btn" data-id="742535a4-405e-475d-b224-7c7763a8531b" href="#" data-click-bound="true"> Book a demo </a> </span><div 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reference-teaser__product"><div class="reference-teaser__inner"> <picture > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/mc_icons_technology_orng_pay_bill_online.png.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/mc_icons_technology_orng_pay_bill_online.png.webp" media="(max-width: 1280px)"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icons_technology_orng_pay_bill_online.png.webp" alt="pay_bill_online_orng_icon.png" class="image image--picture" width="800" height="800" loading="lazy" /></picture><div class="reference-teaser__text"><h5 class="reference-teaser__title"><a href="/en/capabilities/marketing-services"><span>Marketing Services</span></a></h5><p class="reference-teaser__description">Mastercard Marketing Services helps organizations grow with strategies to acquire new customers and engage existing customers.</p><div class="reference-teaser__url"> <span class="btn-inline-wrapper"> <a href="/en/capabilities/marketing-services" class="reference-teaser__link">Read more</a> <i class="icon icon--right-arrow reference-teaser__icon--right-arrow"></i> </span></div></div></div></div><div class="reference-teaser reference-teaser__product"><div class="reference-teaser__inner"> <picture > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/mc_icon_Donation_orng.png.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/mc_icon_Donation_orng.png.webp" media="(max-width: 1280px)"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Donation_orng.png.webp" alt="Rewards" class="image image--picture" width="800" height="800" loading="lazy" /></picture><div class="reference-teaser__text"><h5 class="reference-teaser__title"><a href="/en/capabilities/rewards"><span>Rewards</span></a></h5><p class="reference-teaser__description">Drive customer engagement through rewards programs.</p><div class="reference-teaser__url"> <span class="btn-inline-wrapper"> <a href="/en/capabilities/rewards" class="reference-teaser__link">Read more</a> <i class="icon icon--right-arrow reference-teaser__icon--right-arrow"></i> </span></div></div></div></div><div class="reference-teaser reference-teaser__product"><div class="reference-teaser__inner"> <picture > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/mc_icon_Data_orng.png.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/mc_icon_Data_orng.png.webp" media="(max-width: 1280px)"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Data_orng.png.webp" alt="Customer Data Enhancement" class="image image--picture" width="800" height="800" loading="lazy" /></picture><div class="reference-teaser__text"><h5 class="reference-teaser__title"><a href="/en/capabilities/dynamic-yield"><span>Dynamic Yield</span></a></h5><p class="reference-teaser__description">Transform simple customer interactions into long-lasting, hyper-personalized relationships.</p><div class="reference-teaser__url"> <span class="btn-inline-wrapper"> <a href="/en/capabilities/dynamic-yield" class="reference-teaser__link">Read more</a> <i class="icon icon--right-arrow reference-teaser__icon--right-arrow"></i> </span></div></div></div></div><div class="reference-teaser reference-teaser__product"><div class="reference-teaser__inner"> <picture > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/mc_icon_Merchant-1_orng_4.png.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/mc_icon_Merchant-1_orng_4.png.webp" media="(max-width: 1280px)"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Merchant-1_orng_4.png.webp" alt="SME CVP" class="image image--picture" width="800" height="800" loading="lazy" /></picture><div class="reference-teaser__text"><h5 class="reference-teaser__title"><a href="/en/capabilities/sme-commercial-value-proposition"><span>SME Commercial Value Proposition</span></a></h5><p class="reference-teaser__description">Future-proof your card value proposition with Mastercard’s current state assessment, competitive analysis and product ideation workshop.</p><div class="reference-teaser__url"> <span class="btn-inline-wrapper"> <a href="/en/capabilities/sme-commercial-value-proposition" class="reference-teaser__link">Read more</a> <i class="icon icon--right-arrow reference-teaser__icon--right-arrow"></i> </span></div></div></div></div></div></div></div></div></div></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 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