Moving the needle with digital cardholder engagement
Unlock practical insights to build stronger digital cardholder experiences that drive engagement, loyalty, and AI-ready growth.
Digital cardholder engagement is becoming a critical growth lever for card issuers as mobile-first banking becomes the standard. This report shows how issuers can move beyond basic card features to richer, AI-ready experiences that drive usage, loyalty, and operational efficiency.
This FIS and Celent report examines the evolution of digital cardholder engagement, from table-stakes capabilities like card controls and alerts to differentiated experiences such as subscription management, transaction enrichment, and real-time decline guidance. It also outlines how issuers can prepare for AI-first engagement, including AI copilots, agentic commerce, and interactions with customers’ AI agents.
Key Takeaways
- How stronger digital engagement can increase card usage, loyalty, and transaction activity
- Why issuers must move from basic features to orchestrated cardholder experiences
- What capabilities differentiate leading issuers across setup, transaction, and servicing journeys
- How AI copilots, agentic commerce, and customer AI agents will shape future engagement