Before Personalization Breeze, this issuer, like many financial institutions, faced specific challenges that made it difficult to realize its vision for personalization. The first challenge was their data. Transactional cardholder data is complex and difficult to standardize for actionable use. Generating predictive insights from this data is also challenging, as it requires advanced machine learning models and data science expertise, which most issuers don’t have in-house.

Second, implementing any new system in the financial sector, especially for personalization, is an uphill and time-consuming battle due to strict regulations and intricate internal processes. Navigating this, and operating new technologies, typically requires new resources that FIs may not be able or prepared to support.

This issuer bypassed its challenges with Dynamic Yield by Mastercard’s unique solution, Personalization Breeze. In this case study, we’ll walk through how Personalization Breeze drove a significant increase in cardholder spending for this issuer in only three months.