Adapting to the ‘Buy with AI Era’: A New Mandate for Card Issuers and Loyalty Teams
The card is no longer just a method of payment, it’s becoming the new front door to banking. With Visa and Mastercard ushering in an era of agentic AI powered intelligent cards, the expectations of cardholders have permanently changed. They want more than transactions; they want relevance, value, and real-time personalization. At Flybits, we’re helping banks and issuers meet that opportunity.
A New Playbook for Cards Teams
For decades, card programs have relied on reactive strategies: generic campaigns, delayed insights, and static offers. But in the “Buy with AI” era, cardholders are influenced by context, not channels. Life events, not just transactions – trigger moments of intent. And personalization isn’t just a feature anymore; it’s a growth strategy.
That’s why Flybits is leading the charge with an advanced personalization platform built specifically for card, payments, and loyalty teams. Our technology enables banks to combine real-time data, contextual intelligence, and AI-driven decisioning to transform every stage of the cardholder lifecycle, from onboarding and activation to spend stimulation, retention, and cross-sell.
The Flybits Advantage: Context, Not Complexity
Banks have the data. But unlocking it, across silos, platforms, and teams has been the barrier. Flybits changes that.
Our modular platform makes it simple to:
Connect any data source (transactional, CRM, loyalty, location, 0 and 1st-party) without custom integrations.
Create dynamic segments using real-time behavioral and contextual signals.
Deliver timely, hyper-personalized prompts across your existing digital channels – no need to rebuild infrastructure.
Benchmark your performance against anonymized insights from 130M+ cardholders.
Self-fund richer offers using our Cardholder Value Return Program that turns anonymized data into incentive capital.
Real Impact: Smarter Engagement, Stronger Loyalty
This isn’t just about innovation—it’s about outcomes. Issuers working with Flybits have seen:
55% more cardholder engagement
12% more account reactivations
11% increase in spend
From nudging new users to activate digital wallets, to offering time-sensitive perks that prevent churn, Flybits empowers banks to deliver the right experience at the right moment—without waiting on analytics teams or engineering resources.
Designing for the Agentic AI Era
In a world where AI agents will soon shop, compare, and transact on behalf of consumers, banks must evolve or risk irrelevance. The institutions that win will be those that can respond in milliseconds, not months.
Flybits gives banks the infrastructure to operate at that speed. We turn cardholder data into intelligence, context into action, and personalization into profit.
Because the future isn’t just about smarter cards – it’s about smarter banks.
Let’s redefine the cardholder experience.
Contact us at sales@flybits.com to learn more.
About Flybits:
Flybits revolutionizes how financial institutions deliver personalization. Their award-winning framework simplifies the connection between financial institutions, their data, and their customers. Flybits’ platform accelerates the delivery of critical use cases with minimal IT intervention, empowering digital teams to seamlessly deliver data-led insights across all channels. Supported by leading fintech investors including Point72 Ventures, Mastercard, Citi Ventures, TD Bank Group, and Information Venture Partners, Flybits has offices in New York, London, and Toronto.
