Beyond Rewards with SmartDelay: A New Way to Build Banking Loyalty
The payments landscape is more competitive than ever, shaped by an estimated 1.2 billion credit cards in circulation across the Americas. The greatest opportunity lies within the mid-tier and mass-affluent segments, accounting for an estimated 45% to 55% of total market spend. For issuers, engaging this audience is critical to driving loyalty, retention, and long-term portfolio growth.
SmartDelayTM is a travel benefit that feels premium, without the premium complexities. A perfect fit for mid-tier cardholders, SmartDelay provides a high-perceived value, low-cost benefit, delivering lounge access or lounge alternative, when travel plans change unexpectedly.
Powered by parametric disruption technology, SmartDelay monitors eligible flights in real time and triggers support automatically in the event of a delay.
When a delay qualifies, cardholders automatically receive lounge access, cash payout*, or, alternative benefits, all triggered in real time. For banks, this turns travel disruption into a powerful service moment that builds trust, strengthens loyalty, and keeps your card top of wallet.
SmartDelay Features:
Extensive network
of over 1,800 airport lounges and dining experiences.
Seamless Integration
minimal disruption and maximum impact.
White-labelled
to ensure brand consistency and loyalty.
Zero claims or admin
just real-time customer satisfaction.
Core Benefits
Differentiate your card proposition. Deliver with less complexity.
1. Strengthen your value proposition
Enhance your mid-tier card offering with a travel disruption benefit that helps differentiate your portfolio, elevate perceived value, and support stronger customer acquisition and retention.
2. Drive value efficiently
SmartDelay helps you deliver a differentiated travel benefit without the cost and complexity associated with traditional premium propositions, making it easier to create value at the mid-tier level.
3. Differentiate through digital delivery
Deliver a more seamless customer experience through automated, real-time support. By monitoring eligible flights and triggering lounge access or an alternative benefit when disruption occurs, SmartDelay helps reduce friction, reinforce your digital experience, and bring your card benefits proposition to life in a more visible way.
4. Keep operations simple
Reduce operational burden with a benefit that removes the need for claims handling, manual administration, and complex qualification processes.
Value for Issuers. Value for Cardholders.
For your credit card company | For new and existing customers |
• Cost-effective brand differentiation in a crowded market. | • Enhanced experiences during moments of disruption. |
See how SmartDelay can increase engagement and strengthen loyalty for your card portfolio.
Explore SmartDelay Resources
Why mid-tier card benefits matter more than ever
See how SmartDelay works
See SmartDelay in action
*A service under SmartDelay+ and currently available in select markets.
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