MasterCard SpendingPulse

Accurate, timely consumer spending data for issuers

Information + Insight = Opportunity

Do changing consumer spending patterns
impact your payments business?
Are you looking for a more strategic way
to allocate promotional resources?
Would reliable spending guidance help
you plan more successful top-of-wallet
campaigns?

Now there is a powerful tool that offers an

accurate, sector-specific view of consumer
spending. By harnessing this information
you can structure advertising and
promotions more effectively and increase
market share.

MasterCard SpendingPulse translates

retail sales information into valuable insights
by tracking industry data and performance,
analyzing trends, and providing guidance
that identifies opportunities to capitalize on
spending. Knowing how much consumers
are spending, in what retail category that
spend is occurring, and when spending
occurs enables you to allocate your
marketing resources to gain a greater
share of the payments marketplace.
Expert Analysis to Fuel Payments
Success
Data is only useful if its translated in a way
that highlights opportunities for growth.
SpendingPulse aggregates consumer
spending using data from the extensive
MasterCard network along with estimates
of cash and check payments to provide
unbiased, accurate reports on retail
sales, earlier than traditional sources.
These reports are segmented by category
and region.
SpendingPulse delivers strong benefits
to every level of your organization.
Top executives, heads of card strategy,
and marketing managers will benefit
by knowing:
Where consumer spending is going
in the coming months
What the total consumer spending
opportunity is for your business
When and where your cards need to be
top of wallet to capture the most active
spending in specific categories
How to benchmark your portfolios
performance versus overall category
spending
Which retail sectors to explore for
co-branding opportunities or rewards
programs

TM
Profit from Our Perspective
Information You Can Trust Informing the Financial World
SpendingPulse reports make data actionable by offering precise, timely views and insights Issuers can rely on the accuracy and speed
into consumer spending. You receive numbers that are compiled, modeled, analyzed, and of SpendingPulseits already a trusted
interpreted, as well as: source for financial analysts, top officials,
and leading media.
Meaningful charts/graphs on which to build your marketing campaigns/calendars
Access to our analysts and economists, who understand payments and the overall MasterCard SpendingPulse, a
retail marketand who can explain the stories behind the numbers division of the credit card company,
predicted sales this Black Friday
SpendingPulse offers monthly reports for: would rise up to five percent...
The New York Times, November 24, 2007

U.S. Total Retail Sales Restaurants

Apparel Luxury Retail Sales MasterCards SpendingPulse data
e-Commerce Airline, Hotel, and Lodging
is based on purchases made by more
than 300 million MasterCard debit
Electronics and Appliances Gasoline (weekly)
and credit card users and broader
Furniture and Furnishings UK Total Retail Sales
estimates of spending with cash and
checks. It encompasses sales at stores,
These reports can help you understand sales performance metrics, track timing of on the Internet, of gift cards, gasoline
consumer spending by industry sector, and secure better, faster, more comprehensive and meals at restaurants.
data. You can make business decisions that capitalize on consumer spending patterns, The New York Times, December 26, 2007
and ultimately increase competitive advantage and market share.
U.S. retail sales in some categories
fell in Decemberaccording to
MasterCard SpendingPulse, a unit of
MasterCard Advisors. But online sales
surged 32% last month and sales
of luxury goodscontinued to post
strong growth... MasterCard said.
The Wall Street Journal, January 9, 2008

For More Information

SpendingPulse provides valuable
consumer spending information and
Contact your MasterCard representative,
insight for your payments business visit www.mastercardadvisors.com,
or email us directly at
About MasterCard Advisors spendingpulse_support@mastercard.com.
MasterCard Advisors, LLC, the professional services arm of MasterCard Worldwide,
provides payments-focused consulting, information, and outsourcing services to financial
institutions and merchants worldwide. With its unparalleled category expertise, deep
understanding of customer needs, and successful track record in addressing complex
challenges throughout the payments lifecycle, MasterCard Advisors delivers customized
end-to-end solutions that maximize the value of clients cards and payments businesses.
MasterCard Advisors shares the goals and vision of its clients, and works in partnership
with them to deliver actionable insights that drive tangible impact and financial gain.

Note: SpendingPulse reports are not reflective of MasterCard financial performance.

2008 MasterCard Advisors LLC

A MasterCard Worldwide Business