white paper
Unlock higher cardholder spend through digital engagement
Digital experience is no longer a differentiator; it’s the driver of card performance. In this white paper, an analysis of FIS transaction data shows how enhanced digital card capabilities influence cardholder behavior – increasing spend, frequency and engagement.
A competitive digital experience
Card performance is determined less by product design and more by sustained engagement. The data shows how digital experiences influence behaviour, increase usage and strengthen long- term customer relationships.
- Spend uplift at scale FIS® Card Suite users generate significantly higher monthly spend than comparable cardholders within the same institution, demonstrating that experience is a direct driver of measurable revenue growth.
- Behavior drives growth Increased transaction frequency reflects a shift in cardholder habit, where the card becomes the default payment method across everyday use cases rather than occasional transactions.
- Broader usage patterns Higher engagement across more merchant categories shows deeper integration into daily financial life, making the card harder to displace and strengthening long-term retention.
- Same customer, different outcome The data confirms that uplift is not driven by different segments, but by improved experience – enabling existing cardholders to deliver greater value without acquisition cost.
ESC
ESC
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