Approach & Methodology
Card Performance Monitoring
Tracking usage, wallet position, and spend momentum, not satisfaction alone
PI-360 CX redefines how card performance is measured and monitored. Rather than relying on satisfaction alone, we track how cards are actually used in wallet, how spend momentum is changing, and how performance compares to named competitors across the market. Powered by the largest ongoing cardholder feedback effort in the U.S., PI-360 CX provides product teams with an early, practical read on whether their card is gaining relevance, losing priority, or at risk of underperforming before issues show up in portfolio results.
Some of the many clients that have leveraged our payments intelligence
Benefits
What Our Monitoring Reveals About Your Card’s Performance
Our performance monitoring goes beyond sentiment to deliver insight that directly informs product decisions.
A deeper understanding of the drivers behind your KPIs
We connect cardholder feedback to usage, wallet position, and spend momentum, revealing what is actually influencing performance rather than relying on satisfaction as a proxy.
Clear visibility into what shapes cardholder behavior and spend
PI-360 CX highlights how cards are being used today and how spend momentum is expected to change, identifying the behavioral drivers and barriers influencing wallet priority.
Alignment around the highest-impact improvement opportunities
By benchmarking against named peers, teams can see where performance gaps exist and which levers will deliver the greatest lift.
A comprehensive view of bank branded and co-branded cards
Our monitoring tracks performance across more than 100 bank-branded and co-branded card portfolios, spanning airlines, hotels, retailers, and fintechs.
Confidence in your product roadmap and investment decisions
Early diagnostics allow teams to act before underperformance becomes entrenched, reducing risk and guiding more confident prioritization.
Use Cases
Where Our Approach to Performance Monitoring has the Most Impact
PI-360 CX is designed for moments when understanding performance is critical to action.
Goal
Outcome
-
Goal
Monitoring shifts in wallet performance
Outcome
Identify whether your card is becoming more central or more peripheral in cardholders’ wallets, and why.
-
Goal
Detecting early signs of declining spend momentum
Outcome
Spot when cardholders plan to reduce usage and understand the drivers before spend erosion accelerates.
-
Goal
Benchmarking against named competitors
Outcome
See how your card performs relative to specific bank-branded and co-branded peers, not abstract market averages.
-
Goal
Diagnosing barriers to greater engagement
Outcome
Understand what is preventing cardholders from using the card more often, spending more, or prioritizing it over alternatives.
-
Goal
Supporting ongoing optimization and refinement
Outcome
Use performance monitoring to inform targeted improvements rather than broad, unfocused changes.
Our Process
Analyses Powered by Card Performance Monitoring Insights
PI-360 CX combines large-scale cardholder feedback with performance-focused analytics to deliver actionable monitoring and diagnostics.
Marketplace Benchmark Assessment
Behavioral Drivers and Spend Barrier Analysis
We analyze what is driving or limiting usage and spend, identifying the factors influencing cardholder decisions and changes in momentum.
Friction and Experience Issue Analysis
We identify specific points of friction affecting engagement, including rewards, benefits, terms, and experience elements that impact usage and satisfaction.
Identify and Prioritize Improvement Opportunities
We identify the specific value proposition, experience, and benefit areas limiting performance, and prioritize improvements by benchmarking their impact against relevant market norms.
Have a question or want to explore working together?
Reach out to learn more, request a success story, or to discuss your specific objectives.
We are ready when you are.
Contact Us