Option A
- Annual fee
- Free
- Cashback
- 2.4%
- Simplified value / year
- SAR 1,728
Credit Cards
Find the right card for each customer — and the opportunity across your portfolio.
A customer may qualify for several cards, but the strongest fit depends on eligibility, spending behaviour, fees, reward mechanics and what that customer values. SoyakaAI applies the same analysis across an institution's customer base to reveal cross-sell, retention and product opportunities.
Working proof
Illustrative scenario01 · Portfolio opportunity
10,000 customersIllustrative customer portfolio
| Primary card need | Customers | No card, or different need |
|---|---|---|
| Everyday value | 4,100 | 1,900 |
| Cashback | 3,200 | 1,400 |
| Low annual fee | 1,800 | 900 |
| Travel | 900 | 300 |
02 · One customer match
Cashback is the priority
IncomeSAR 18,000/moCard spendSAR 6,000/mo
Your cardSecond of three eligible options
Wins on: eligibility at this income and no annual fee.
Loses on: 0.2 points of cashback—about SAR 144 a year at this customer's stated spend.
Illustrative customer portfolio and customer using synthetic figures and generic labels. The annual figure is a simplified illustrative value—a flat cashback rate on stated spend, less the annual fee. Real value also depends on reward categories, earning caps, redemption rules and qualifying conditions. Eligibility rules, product terms and the final offer remain with the institution.
What this helps you do
Uncover opportunities in the customer base you already have.
See customers by their primary card need, including those who hold no card or one designed for a different need. Where policy allows, a card can sit alongside an existing lending relationship.
Match an individual customer to the strongest eligible fit.
For one customer and one stated priority, see the options they qualify for—ranked on criteria your team can inspect.
Understand where your card proposition wins or needs refinement.
See your own card against the alternatives and the feature carrying it or costing it—the same analysis that shapes a proposition before launch.
From customer need to proposition
How it works
Group the customer base by its primary card need
Cashback, travel, low fee and everyday value—the priorities customers choose between, applied to the customers you already hold.
Match each customer to the cards they qualify for
Eligibility first, then a transparent comparison against that customer’s priority, spending pattern, fees, reward rules and benefit conditions.
Place your own card in that ranking
See where it sits, which customers it fits best and what strengthens or weakens it against the alternatives available to them.
How we engage
Start with what you already have
Work can begin as consultancy, a portfolio analysis or a batch assessment, and connect to your systems later where that adds value. The same work supports a new card programme—segmentation, proposition design, eligibility rules and launch planning—before there is a portfolio to analyse.
FAQ
Questions institutions ask
Is this only for brokerages and marketplaces?
No. A brokerage can compare across issuers; an existing issuer can apply the same analysis to its own customer base and proposition. A new entrant can use it for segmentation, product design and launch planning.
How do you determine which card is the strongest fit?
Eligibility comes first—only cards the customer qualifies for enter the comparison. Those cards are then compared transparently against the customer’s stated priority, spending pattern, fees, reward rules and benefit conditions. The institution controls eligibility and the final offer.
Do we need a new platform or a full customer-data integration?
No. Consultancy can begin with no integration at all, and a portfolio assessment uses only the minimum agreed fields. Integration can follow later if it adds value.