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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 is-active" 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 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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 is-active" 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" 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class="basic-html__inner"><div class="basic-html__content"><div class="basic-html__summary"><h2>Market Trends provides a simple, curated view of actionable insights—all in one platform</h2><p>Market Trends is a platform that brings together key research, industry insights and trends from around the world with market and card comparison tools to help you stay ahead of the curve, remain competitive and make informed decisions. With easy access to tools enabling real-time decision making, you can create smarter interactions that drive incremental behaviors and profit.</p></div></div></div></div></div><div class="grid-item col-sm-12 col-lg-6"><div class="video-module"><div class="video--inner"><div class="video--content"><div><div class="video-embed-field-provider-vidyard video-embed-field-responsive-video form-group"><img id="vidyard_embed_code_6oWvRTWMLUrCKzEm81nbbw" class="vidyard-player-embed" alt="" data-uuid="6oWvRTWMLUrCKzEm81nbbw" data-v="4" data-type="inline" data-width="854" data-height="480" data-autoplay src="https://play.vidyard.com/6oWvRTWMLUrCKzEm81nbbw.jpg"></div></div></div></div></div></div></div></div></div></div><div class="full-breakout gray_15"><div class="u-site-container"><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>By using Market Trends, you can</h2></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><div alt="Understand consumers" title="Understand consumers" data-langcode="en" data-entity-type="media" data-entity-uuid="9f658495-0c1a-44c3-99e0-d8a8f299a759" data-embed-button="media_browser" data-entity-embed-display="media_image" data-entity-embed-display-settings='{"image_style":"icon_large_160x160_","image_link":"","image_loading":{"attribute":"lazy"}}' class="embedded-entity"> <img loading="lazy" src="/sites/default/files/styles/icon_large_160x160_/public/Understand%20consumers%20larger.webp?itok=QGWaRNN_" alt="Understand consumers" title="Understand consumers" typeof="foaf:Image"></div><h3 class="basic-html__eyebrow">Understand consumers</h3><p>Keep up with new trends in consumer preferences and behaviors to develop relevant and competitive financial products.</p></body></html></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><div alt="Remain competitive" title="Remain competitive" data-langcode="en" data-entity-type="media" data-entity-uuid="ceb2e13e-eed6-45f2-9cb8-ab1ecf81402d" data-embed-button="media_browser" data-entity-embed-display="media_image" data-entity-embed-display-settings='{"image_style":"icon_large_160x160_","image_link":"","image_loading":{"attribute":"lazy"}}' class="embedded-entity"> <img loading="lazy" src="/sites/default/files/styles/icon_large_160x160_/public/Remain%20competitive%20larger.webp?itok=n8vGZ_2T" alt="Remain competitive" title="Remain competitive" typeof="foaf:Image"></div><h3 class="basic-html__eyebrow">Remain competitive</h3><p>Understand value propositions of new entry credit cards and compare them to others already in the market.</p></body></html></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><div alt="Unlock potential" title="Unlock potential" data-langcode="en" data-entity-type="media" data-entity-uuid="8e941641-7377-4b45-9bb1-2b909e817431" data-embed-button="media_browser" data-entity-embed-display="media_image" data-entity-embed-display-settings='{"image_style":"icon_large_160x160_","image_link":"","image_loading":{"attribute":"lazy"}}' class="embedded-entity"> <img loading="lazy" src="/sites/default/files/styles/icon_large_160x160_/public/Unlock%20potential%20larger.webp?itok=4RfBhst3" alt="Unlock potential" title="Unlock potential" typeof="foaf:Image"></div><h3 class="basic-html__eyebrow">Unlock potential</h3><p>Learn about new payment technologies, how they are impacting different markets and opportunities to leverage them.</p></body></html></div></div></div></div></div></div></div></div></div><div class="full-breakout gray_1"><div class="u-site-container"><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__eyebrow">PRODUCT OFFERINGS</div></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><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_Card-3_orng_0.png.webp" alt="Cards Lab icon" class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Cards Lab</div><div class="banner__summary"><p>Improve card value propositions with unique market insights and a seamless user experience.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="https://www.mastercardservices.com/en/mastercard-market-trends/cards-lab">Learn 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-related-content banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <picture > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/mc_icon_Banner-Ad_orng_3.png.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/mc_icon_Banner-Ad_orng_3.png.webp" media="(max-width: 1280px)"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Banner-Ad_orng_3.png.webp" alt="DIGITAL SAFARI " class="image image--picture" width="800" height="800" loading="lazy" /></picture></div><div class="banner__content"><div class="banner__eyebrow">DIGITAL SAFARI</div><div class="banner__summary"><p>Gain actionable insights and reimagine your digital transformation plans form the world’s most innovative organizations.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="/en/capabilities/mastercard-market-trends/what-we-do/digital-safari">Learn 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-related-content banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <picture > <source srcset="/sites/default/files/styles/image_process_webp/public/Digital%20payment.png.webp" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Digital%20payment.png.webp" alt="Digital payment index" class="image image--picture" width="147" height="147" loading="lazy" /></picture></div><div class="banner__content"><div class="banner__eyebrow">DIGITAL PAYMENT INDEX</div><div class="banner__summary"><p>Explore the rapidly evolving digital payments landscape and gain actionable insights and comparable data across numerous markets.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="/en/capabilities/mastercard-market-trends/what-we-do/digital-payment-index">Learn 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-related-content banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <picture > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/mc_icon_Design-Thinking-1_orng.png.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/mc_icon_Design-Thinking-1_orng.png.webp" media="(max-width: 1280px)"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Design-Thinking-1_orng.png.webp" alt="LEARNING LAB " class="image image--picture" width="800" height="800" loading="lazy" /></picture></div><div class="banner__content"><div class="banner__eyebrow">LEARNING LAB</div><div class="banner__summary"><p>Transform the way you upskill, build expertise, and unlock growth through comprehensive courses, including live webinars, interactive quizzes, podcasts and more.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="/en/capabilities/mastercard-market-trends/what-we-do/learning-lab">Learn 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-related-content banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <picture > <source srcset="/sites/default/files/styles/image_process_webp/public/Circles%20icon_3.png.webp" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Circles%20icon_3.png.webp" alt="Macrosnapshot icon" class="image image--picture" width="264" height="264" loading="lazy" /></picture></div><div class="banner__content"><div class="banner__eyebrow">MacroSnapshot</div><div class="banner__summary"><p>Harness the power of real-time economic insights to drive business strategy and change, enabling your organization to thrive in uncertainty.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="/en/capabilities/mastercard-market-trends/what-we-do/macrosnapshot">Learn 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-related-content banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <picture > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/mc_icon_Chart-Line-Up_orng_7.png.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/mc_icon_Chart-Line-Up_orng_7.png.webp" media="(max-width: 1280px)"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Chart-Line-Up_orng_7.png.webp" alt="MARKET TRENDS PLATFORM " class="image image--picture" width="800" height="800" loading="lazy" /></picture></div><div class="banner__content"><div class="banner__eyebrow">MARKET TRENDS</div><div class="banner__summary"><p>Make the most effective go-to-market and operational decisions to support business growth and maximize profit.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="/en/capabilities/mastercard-market-trends/what-we-do/market-trends-platform">Learn 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-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/mc_icon_Personalization-1_orng_7.png.webp" alt="Personalization blueprint icon" class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Personalization Blueprint</div><div class="banner__summary"><p>Access the comprehensive and expert resources needed to capitalize on the increased revenue gains associated with a tailored customer experience.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="https://www.mastercardservices.com/en/mastercard-market-trends/personalization-blueprint">Learn 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-related-content banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <picture > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/mc_icon_Solutions_orng_0.png.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/mc_icon_Solutions_orng_0.png.webp" media="(max-width: 1280px)"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Solutions_orng_0.png.webp" alt="SANDBOX AS A SERVICE " class="image image--picture" width="800" height="800" loading="lazy" /></picture></div><div class="banner__content"><div class="banner__eyebrow">SANDBOX AS A SERVICE</div><div class="banner__summary"><p>Test and validate startup solutions to partner with by experiencing live user journeys in our core banking sandbox.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="/en/capabilities/mastercard-market-trends/what-we-do/sandbox-service">Learn 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-related-content banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <picture > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/mc_icon_Seminar_orng_1.png.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/mc_icon_Seminar_orng_1.png.webp" media="(max-width: 1280px)"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Seminar_orng_1.png.webp" alt="START PATH " class="image image--picture" width="800" height="800" loading="lazy" /></picture></div><div class="banner__content"><div class="banner__eyebrow">START PATH</div><div class="banner__summary"><p>Access Mastercard’s highly curated network of high-potential startups, thought leadership and live and virtual events to understand use cases for new technologies.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="/en/capabilities/mastercard-market-trends/what-we-do/start-path">Learn 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 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"><div class="basic-html__eyebrow">WHO WE SERVE</div></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><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><div alt="Understand consumers" title="Understand consumers" data-langcode="en" data-entity-type="media" data-entity-uuid="61054c7a-51b7-413f-a44b-1af5ce2f96e9" data-embed-button="media_browser" data-entity-embed-display="media_image" data-entity-embed-display-settings='{"image_style":"icon_large_160x160_","image_link":"","image_loading":{"attribute":"lazy"}}' class="embedded-entity"> <img loading="lazy" src="/sites/default/files/styles/icon_large_160x160_/public/MAI_Data%26Services_Graphics_800x800_Acquirer_Processors.webp?itok=0ZGDfcs5" alt="Understand consumers" title="Understand consumers" typeof="foaf:Image"></div><h3 class="basic-html__eyebrow">ACQUIRERS & PROCESSORS</h3><p>Acquirers and processors can leverage our solutions to discover new payment options, evaluate the payments landscape and stay updated on the industry developments for business growth.</p></body></html></div></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><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><div alt="Understand consumers" title="Understand consumers" data-langcode="en" data-entity-type="media" data-entity-uuid="944ee5fd-14a4-4ed7-b67e-be2525e20a87" data-embed-button="media_browser" data-entity-embed-display="media_image" data-entity-embed-display-settings='{"image_style":"icon_large_160x160_","image_link":"","image_loading":{"attribute":"lazy"}}' class="embedded-entity"> <img loading="lazy" src="/sites/default/files/styles/icon_large_160x160_/public/MAI_Data%26Services_Graphics_800x800_B2B_Commercial.webp?itok=OSGGUXIt" alt="Understand consumers" title="Understand consumers" typeof="foaf:Image"></div><h3 class="basic-html__eyebrow">B2B AND COMMERCIAL BANKING</h3><p>B2B and Commercial banks can use our solutions to enhance business strategy, offering customers an edge through benchmarking, strategic go-to-market planning, market maturity evaluation and staying informed about disruptive technologies.</p></body></html></div></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><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><div alt="Understand consumers" title="Understand consumers" data-langcode="en" data-entity-type="media" data-entity-uuid="7da60cbf-d397-4ce3-92d4-295ed38b743e" data-embed-button="media_browser" data-entity-embed-display="media_image" data-entity-embed-display-settings='{"image_style":"icon_large_160x160_","image_link":"","image_loading":{"attribute":"lazy"}}' class="embedded-entity"> <img loading="lazy" src="/sites/default/files/styles/icon_large_160x160_/public/MAI_Data%26Services_Graphics_800x800_Fintech.webp?itok=iZuBFGws" alt="Understand consumers" title="Understand consumers" typeof="foaf:Image"></div><h3 class="basic-html__eyebrow">FINTECH</h3><p>Fintechs can access payment trends, innovation frameworks, and industry insights through our solutions, facilitating benchmarking, competitive card product strategies and expansion into new markets and segments.</p></body></html></div></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><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><div alt="Understand consumers" title="Understand consumers" data-langcode="en" data-entity-type="media" data-entity-uuid="f84c671e-520a-40ab-9df6-3f78ea668db3" data-embed-button="media_browser" data-entity-embed-display="media_image" data-entity-embed-display-settings='{"image_style":"icon_large_160x160_","image_link":"","image_loading":{"attribute":"lazy"}}' class="embedded-entity"> <img loading="lazy" src="/sites/default/files/styles/icon_large_160x160_/public/MAI_Data%26Services_Graphics_800x800_Retail_Financial_Services.webp?itok=qAcConJG" alt="Understand consumers" title="Understand consumers" typeof="foaf:Image"></div><h3 class="basic-html__eyebrow">RETAIL FINANCIAL INSTITUTIONS</h3><p>Retail banks can stay competitive and informed by accessing new trends in innovation, technology, and payments, including analyzing technologies, benchmarking value propositions, and validating go-to-market strategies.</p></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__eyebrow">Solutions We Power</div></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><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_Proof-Of-Age_orng_0.png.webp" alt="EDUCATION, TRAININGS, CERTIFICATIONS " class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">EDUCATION, TRAININGS, CERTIFICATIONS</div><div class="banner__summary"><p>Understand payments, de-risk innovation, harness opportunities, improve performance and professional skills. </p></div> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><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_Gears_orng_4.png.webp" alt="INNOVATION ACCELERATOR AND TECHNOLOGY ENABLER " class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">INNOVATION ACCELERATOR AND TECHNOLOGY ENABLER</div><div class="banner__summary"><p>Discover third-party solutions that help accelerate achievement of your business goals.</p></div> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><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_Register_orng.png.webp" alt="MARKET RESEARCH " class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">MARKET RESEARCH</div><div class="banner__summary"><p>View payment trends and market dynamics, including e-commerce growth and customer demographics, by country and region.</p></div> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><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_Concept-2_orng_2.png.webp" alt="NEW PAYMENT TECHNOLOGY " class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">NEW PAYMENT TECHNOLOGY</div><div class="banner__summary"><p>In-depth analysis of payment platforms, from new entrants and disruptive industry players.</p></div> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><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_Virtual-Account-Number_orng.png.webp" alt="ONLINE BENCHMARKING" class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">ONLINE BENCHMARKING</div><div class="banner__summary"><p>Compare card features from around the world to understand areas of opportunity.</p></div> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><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_Efficiency_orng_4.png.webp" alt="STRATEGY DEVELOPMENT " class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">STRATEGY DEVELOPMENT</div><div class="banner__summary"><p>Tap into our expansive database of innovative and emerging digital payment experiences and customer journeys. </p></div> </span></div></div></div></div></div></div></div></div><div class="full-breakout gray_15"><div class="u-site-container"><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__eyebrow">THE MASTERCARD MARKET TRENDS DIFFERENCE</div></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><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/16_Pictogram_2.png.webp" alt="Card Comparison " class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Card Comparison</div><div class="banner__summary"><p>Compare features across all card players, including fees and benefits, to stay ahead of the competition.</p></div> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><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/15_Pictogram_2.png.webp" alt="Market Assessment " class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Market Assessment</div><div class="banner__summary"><p>Dive into insights curated by Mastercard on market dynamics, payment performance metrics and digital trends for more than 70 countries.</p></div> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><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/4_Pictogram_1.png.webp" alt="New Payment Experience " class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">New Payment Experience</div><div class="banner__summary"><p>Shape new business strategies with our database of innovative and emerging digital payment experiences with deep-dive profiles and customer journeys.</p></div> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><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/17_Pictogram_1.png.webp" alt="Trends Reports " class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Trends Reports</div><div class="banner__summary"><p>Explore the latest perspectives on emerging topics across the payment landscape.</p></div> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><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/1_Pictogram_0.png.webp" alt="News and Trends Newsletter " class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">News and Trends Newsletter</div><div class="banner__summary"><p>Catch up on the latest news from your industry and market with insights delivered directly to your inbox and enjoy exclusive invitations to live sessions with industry leaders.</p></div> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img 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