Your card data,
working for you.
Read how your cardholders spend, build the segments your campaigns need, and prove which offers made people spend more. Totals only: no card number ever enters, and a figure about fewer than 10 cardholders is withheld.
Spend you can see is spend you can grow.
Most card portfolios hold years of spend that nobody reads. Reading it tells you where an offer would move spend, who to send it to, and whether it worked.
Pick categories and merchants where your cardholders already spend, or where they spend with someone else.
Segments from rules or from a sentence to Hyduri, kept up to date and sent to your own campaigns.
Uplift measured against a held-back group, so the board sees what an offer added, not only what it touched.
We do not quote an uplift for your bank before your own data has been read: every figure the product shows is your own, or marked as an example.
Everything your data team asks for, in one place.
Some of it comes with every plan; Spend Intelligence is the add-on that reads your card spend.
Spend by category, merchant, channel, city and month; active and dormant cards; cohorts; spend abroad.
Rules, lookalikes, explained scores and suppression lists, usable as audiences in your campaigns.
Read the totals into the BI tools your bank already uses, through the API, with the same privacy limits.
Who visits your offers site and app, where they come from and what they do.
Views, redemptions and cashback per offer, and which offers made cardholders spend more.
How the merchant-funded offers your bank carries perform, as totals. Nothing about another bank's cardholders.
Prepaid compute and storage past the monthly allowance. Packs never expire, and the module pauses rather than surprise you.
Hyduri answers spend questions from your own figures, shows the evidence and drafts the segment for you.
From file to campaign in four steps.
Your data team stays in charge of what comes in; your marketing team uses what comes out.
Upload transaction files, or use the card transaction feed you already send.
Hyduri proposes how the columns map; a person confirms. A full card number is refused.
Dashboards, questions in plain words and segments that stay up to date.
Send a segment to a campaign, run the offer, and read its uplift against a held-back group.
Decisions made on your own figures.
What reading your own spend makes possible.
Every campaign starts from a segment and a category the data points to.
Category and merchant totals to bring to the table when an offer is agreed.
Scheduled reports in PDF or Excel, with what the offers added.
Aggregates only, small groups withheld, and only your bank ever contacts your cardholders.
Start with what is included. Add what you need.
No figure here is a quote: a demo shows the price for your portfolio.
Offer results, site and app analytics, uplift and scheduled reports.
PriceIncluded in every planThe module that reads your card spend, with a monthly allowance of storage and compute.
PriceFrom BHD 750 a monthPrepaid compute and storage, bought in the console when you need more. They never expire.
PricePriced in your consoleA time-limited trial with a small row cap and no charge, where cardoff.ai opens it for your bank.
PriceNo chargeList prices before tax, from cardoff.ai's catalogue. Your bank's agreement may set its own.
Questions banks ask about their data
Does cardoff.ai see our cardholders' card numbers?
No. A full card number is refused when data is loaded. Customer and card references are kept as keyed hashes, and every figure is a total.
Do we need Spend Intelligence to see how offers do?
No. Offer results, site and app analytics and uplift come with every plan. Spend Intelligence adds the reading of your card spend and the segments built from it.
Can we use our own BI tools?
Yes. The totals can be read through the API into the tools your bank uses, with the same privacy limits as the console.
What happens when we use up the allowance?
You are told at 80% and at 100%. Then the module pauses until the next month or a pack, unless your bank chose to be billed for extra use within a cap it sets.
Who contacts our cardholders?
Only your bank. Segments become audiences in your own campaigns; cardoff.ai never messages your cardholders.
