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Spend & engagement
Why offers move spend and keep a card top of mind · 4 articles
Right Offer, Right Moment: Personalisation and Timing
A good offer at the wrong time is noise. The same offer at the right moment feels like service. How banks can personalise offers and time them well.
Habit Loops: How Card Offers Build Everyday Frequency
The most valuable cardholder is not the one who spends big once, but the one who uses your card without thinking. Offers can help build that habit.
Top of Mind, Top of Wallet: Why the Card People Think About Wins
Most cardholders carry several cards. The one they use is rarely the best one. It is the one they remember. Here is how offers keep your card in mind.
Why Card-Linked Offers Drive Incremental Spend
A discount on its own rarely changes behaviour. An offer tied to a specific card, place and moment does. Here is the mechanism behind the extra spend.