PI-360 Payments Intelligence Platform

A continuously updated payments intelligence platform built on millions of real consumer evaluations, providing unmatched visibility into what wins, what fails, and where opportunity exists across the full payments landscape.

PI-360 powers our every client engagement, coupling competitive context with the voice of your customer to ensure product decision are grounded in your customer expectations and aligned with evolving market dynamics.

600+

Payment products and innovative concepts monitored across banks, co-brands, merchants, and fintechs

10M+

Structured consumer payment feature evaluations capturing real acquisition, usage, and preference drivers

70+

 Behavioral and demographic segments tagged for in-moment, segment-level analysis

PI-360 combines market-wide competitive intelligence with large-scale consumer evaluation data, enabling decisions grounded in real market behavior, not assumptions or narrow comp sets.

Competitive Intelligence

Comprehensive visibility into every consumer-facing payment product in the market. PI-360 monitors features, benefits, and value propositions across banks, merchants, and fintechs, including new products and enhancements as they emerge.

Consumer Perspective

Large-scale, ongoing consumer feedback across every payment product and feature in market. PI-360 reveals what resonates, what drives acquisition versus usage, and how your product performs relative to competitors and the broader market.

PI-360 enables more confident, commercially grounded decisions from product development through marketing, activation, and ongoing performance management.

Benefits

How PI-360 Strengthens & Supports the Entire Product Life Cycle

Build the Right Products Faster

PI-360 helps teams move faster with confidence by revealing which product strategies are working in market and why. This reduces guesswork, shortens development cycles, and prevents costly missteps before launch.

Focus on What Actually Matters

By separating signal from noise, PI-360 helps product teams prioritize features and benefits that drive acquisition, engagement, and sustained usage, rather than chasing trends or copying competitors.

Optimize Continuously in Market

PI-360 supports ongoing product refinement by helping teams understand where performance shifts, why they happen, and how to respond, ensuring products remain competitive as the market evolves.

How it Works

How PI-360 Turns Market and Customer Insight into Action

By connecting ongoing consumer response with real-time competitive movement, PI-360 gives teams a clear signal on what to build, what to prioritize, and how to adapt as the market evolves.

Step 1

We Understand the Market Through the Customer Lens

PI-360 is built on large-scale, ongoing consumer feedback and detailed product-level market monitoring across the full payments landscape.

We capture insight across every major product and feature through:

  • Feature and benefit-level evaluation to understand what resonates and why
  • Value-driver and tradeoff measurement to reveal what customers prioritize when choosing a product
  • Perception and preference indicators to quantify product appeal and differentiation
  • Usage intent and behavioral signals to connect features to acquisition and ongoing engagement

This gives us clarity not just on what consumers prefer, but what drives acquisition versus sustained usage across the market.

Step 2

We Map the Full Competitive Landscape

PI-360 is built on large-scale, ongoing consumer feedback and detailed competitive intelligence.

PI-360 places every payment product into clear, current market context by continuously monitoring how strategies are deployed across issuers, merchants, co-brands, and fintechs.

We map the competitive landscape across:

  • Product and portfolio structures including credit, debit, co-brand, and proprietary programs
  • Features, benefits, and value propositions as they are offered and refined in market
  • Pricing, fees, incentives, and economics that shape customer tradeoffs
  • Positioning and points of differentiation across competing products

This creates a true like-to-like benchmark set, allowing products, portfolios, and features to be compared on equal footing – revealing where strategies converge, diverge, and where meaningful differentiation exists

Step 3

We Analyze Performance at the Right Level

PI-360 goes beyond high-level comparisons to understand what is truly driving performance across the market.

We analyze performance across multiple levels, including:

  • Portfolio-level performance to understand how programs stack up relative to relevant benchmark sets
  • Product-level performance to identify why specific cards outperform direct competitors
  • Feature- and benefit-level performance to reveal which elements drive acquisition, engagement, and sustained usage

This multi-level view explains not just which products are winning, but why – connecting customer response to specific features, structures, and value propositions.

Step 4

We Translate Insight into Action

PI-360 is designed to move beyond understanding and diagnosis to support clear, confident product decisions across the lifecycle.

We translate insight into action by supporting decisions around: 

  • Product design and feature prioritization to focus investment on what customers value most
  • Positioning and messaging strategy to ensure products resonate clearly in market
  • Activation and engagement strategy to improve early performance and adoption
  • Ongoing optimization and refinement as customer expectations and competitive dynamics evolve

This ensures insight is not just understood, but applied – helping teams make smarter decisions that improve product performance over time.

Use Cases

How Our Clients Leverage PI-360 in Real Product Decisions

These use cases illustrate how we apply PI-360 alongside our clients to support specific product decisions, from diagnosing performance to designing and refining value propositions.

Merchant or issuer is evaluating credit card performance and looking for market context to understand how results compare to peers and what is limiting engagement and usage.

What PI-360 Brings to the Analysis

PI-360 CX is built on the industry’s largest ongoing data collection of cardholder feedback, enabling deep, portfolio-specific diagnostics rather than high-level market averages.

  • Cardholder experience and engagement feedback, benchmarked directly against competing products.
  • Barriers to engagement, identifying experience friction, benefit gaps, and unmet cardholder expectations.
  • Engagement indicators, showing current spend and likely direction over time.
  • Market-benchmarked diagnostics that clarify improvement priorities for your product portfolio.

How We Use PI-360 to Guide Product Decisions

  • Validate & inform internal performance trends by comparing your results to market norms and competitive benchmarks.
  • Prioritize improvement opportunities based on cardholder feedback and competitive benchmarks.
  • Diagnose underperformance, separating market shifts from product, experience, or value proposition issues.
  • Inform targeted product refinements focused on changes most likely to improve spend, engagement, and momentum.

Merchant or issuer is evaluating whether to launch a new product and needs to understand if sufficient market demand exists, where competitive gaps exist, and the realistic scale of the opportunity before investing in full product development.

What PI-360 Brings to the Analysis

  • Category-specific competitive intelligence grounded in millions of consumer evaluations, enabling a precise view of who is winning in your product category, why they are winning, and where meaningful gaps exist.
  • Audience segmentation identifying which customer and prospect segments are most likely to consider a new product offering.
  • Early-stage demand signals, measuring interest in a potential new product from your brand
  • Behavioral intent indicators including expected acquisition, spend, and wallet shift propensity.

How We Use PI-360 to Guide Product Decisions

  • Assess whether a credible market opportunity exists, based on unmet demand and competitive gaps aligned to your brand.
  • Identify priority audiences for entry, clarifying which customer segments represent the strongest initial adoption potential.
  • Estimate the size of the addressable opportunity, translating demand signals into potential cardholders, spend, and revenue ranges.
  • Establish a fact base to inform next steps, including whether to proceed to value proposition design and optimization.

Merchant or issuer is exploring a new [credit card], whether expanding an existing portfolio, introducing a new tier of product(s), or launching a first card to deepen customer loyalty and drive growth.

What PI-360 Brings to the Analysis

  • Unmatched competitive consumer intelligence at scale, built on 10M+ structured evaluations covering direct peers and in-wallet alternatives across the full payments ecosystem.
  • Performance data at the feature and benefit level that reveals drivers of acquisition, usage, and engagement within target category.
  • Segment-level performance data showing how different customer profiles respond to competing products.
  • Early-stage feedback from your customers and prospects on potential rewards, benefits, terms associated with your product.

How We Use PI-360 to Guide Product Decisions

  • Design differentiated product concepts grounded in market reality, using full visibility into what exists today and what target customers value most.
  • Evaluate how effectively each value proposition attracts priority customer segments
  • Test and benchmark alternative value propositions against named, in-market competitors, not hypothetical norms or generic averages.
  • Identify winning anchor concept based on competitive performance, prioritizing options with the strongest potential for acquisition and sustained usage.

Merchant or issuer is preparing to position and market a new or existing product and needs to define clear, differentiated messaging that resonates with target customers, cuts through a crowded market, and drives acquisition, usage, and engagement.

What PI-360 Brings to the Analysis

  • Unmatched visibility into how payment products are positioned in market, capturing not just features and benefits, but how value is framed, messaged, and differentiated.
  • Segment-level insight into message effectiveness, showing how different audiences respond to positioning themes, benefit framing, and value narratives within a given product category.
  • Large-scale consumer data tied to positioning and claims, revealing which messages drive consideration, credibility, and relevance.

How We Use PI-360 to Guide Product Decisions

  • Identify positioning territories that resonate most with your priority audiences, based on how real customers evaluate and compare competing payment products today.
  • Benchmark positioning approaches against competitors, clarifying which messages outperform.
  • Develop and refine positioning statements, value narratives, and claims, anchored in proven market language rather than generic benefit articulation.
  • Inform marketing strategy and collateral development, including headline messaging, proof points, and benefit hierarchy designed to drive stronger acquisition and engagement.

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