What benefits do people want with their credit card? Mastercard knows it

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Credit card benefits were historically focused on wealthy clientele who travels a lot. Mastercard has long been making the advantages of using their credit cards more available to regular users and offers a wide range of rewards through its mujmastercard portal. The goal of our six-month project was to expand their offer with attractive benefits for Premium and Business card holders. Using Human Centered Design we looked for services that would make life substantially easier for users and bring them real benefits, thus increasing their preference for Mastercard cards.

Our joint team conducted dozens of interviews with clients from various socio-economic segments, Mastercard clients, competition clients and people at different life stages in various roles. Analyzing these interviews, we gained more than hundred insights into people’s needs, leading us to over 250 ideas. We subsequently tested more than seventy concepts, prioritized them, and though iteration and definition of their business potential found nine viable courses of action.

Facilitating health care availability has proven the greatest potential by far. We found out that premium clients often do not have access to employee benefits (or even an option to choose it) even though they would like to use it. That is why we proposed a cooperation with an online service ulekare.com that would build on both of these key findings.

Following the fine-tuning of the final design of this service, Mastercard launched it in fall 2020. Premium and Corporate card holders can now consult their condition (physical and mental) with a specialist online and they can make an appointment with medical experts across the Czech Republic. It significantly decreases the waiting time while also guaranteeing care from experienced professionals. The service brings together more than 300 doctors who are available for consultation 24/7.

Mastercard is an attractive company with a globally established brand in financial services. It is an area where we have a strong know how and a lot of experience. We are happy that we could help such a company launch a valuable product that users really appreciate,says Ondřej Moravec about the cooperation.

In working with Direct People, we especially appreciate the speed with which we have discovered the needs of our customers and the way they think about the benefits and their daily value. On top of that across three European markets. Finding valid concepts and establishing potential partnerships for their implementation then felt like obvious work. The whole process was effective, fun and it unlocked new perspectives for the team.“

Michal Čarný
General Manager for Czech Republic and Slovakia, Mastercard

About Mastercard

Mastercard is a leader in global payments and a technology company that connects billions of consumers, thousand of financial institutions, and millions of organizations every day.