Mastercard

Spending Pulse - Macroeconomic and Regional Near Real Time Retail Spend Data

SpendingPulse™ is a macroeconomic indicator of retail sales across all payment types., using advanced models to calculate total and sector level retail sales based on aggregate sales activity in the Mastercard payments network, survey-based estimates for other payment types, and is tuned for national and regional factors.

Features

  • Customized content available on demand, updated weekly for 10 sectors
  • Split by channel for insights into store and online sales
  • Geographical interface to enable dynamic visualizations of performance benchmarks
  • Updated weekly with daily data, 7 to 10 days lag
  • Intuitive platform for easy access and set up
  • Based on actual transactions on the Mastercard network
  • Analysis by geography, KPI, time period and sector
  • Uses algorithms and business surveys for absolute market values

Benefits

  • Access customised interface to visualise performance benchmarks
  • Daily insights from 2018 and near real time data updates
  • Sales by KPI, channel (in store, online), region and time.
  • Easy access - only email and user name required
  • Easily export data to Excel
  • Build forecasts for the oncoming 18 months
  • Build out executive-level reports to capture retail macro trends
  • Visualise and analyse pandemic impact

Pricing

£50,000.00 a unit a year

Service documents

Request an accessible format
If you use assistive technology (such as a screen reader) and need versions of these documents in a more accessible format, email the supplier at nabeel.irshad@mastercard.com. Tell them what format you need. It will help if you say what assistive technology you use.

Framework

G-Cloud 13

Service ID

5 0 9 6 0 0 7 3 2 4 1 3 3 0 9

Contact

Mastercard Nabeel Irshad
Telephone: 44 786 6165 112
Email: nabeel.irshad@mastercard.com

Service scope

Software add-on or extension
No
Cloud deployment model
Private cloud
Service constraints
Service support is during normal office hours only (Monday -Friday 0900-1700). Outages and maintenance will be communicated to clients with at least 24 hours notice.
System requirements
Access via web interface using any standard browser

User support

Email or online ticketing support
Email or online ticketing
Support response times
Users may email their account manager for support, training requests and other related information. Responses will be provided within 48 hours. Service support is available during standard office hours (Monday - Friday 0900-1700)
User can manage status and priority of support tickets
No
Phone support
No
Web chat support
No
Onsite support
No
Support levels
1. Standard Support, as covered in the licence price: support is provided via email contact with either your product or account manager. This includes:

- initial platform on-boarding / training session for client users – normally a 60 minute discussion;
- a monthly technical and data interpretation support from the centralised SpendingPulse support team, estimated to last typically 30 minutes
- a Bi-Annual Insights presentation from a SpendingPulse Product Analyst, including a review of Client Usage, Value Creation, and additional applications
- access to best practice webinars, available on an occasional basis

2. Insights and Executive package (available at additional cost to the standard pricing):

- two Mastercard-led analyses leveraging SpendingPulse insights to address a pertinent business question, e.g. comparison of own-brand performance versus sector, identification of opportunity times / geographies. Client presentation to key executives and agency stakeholders
- an annual executive briefing by a Mastercard senior analyst / economist on recent spending insights and trends relevant to the client
Support available to third parties
No

Onboarding and offboarding

Getting started
Mastercard will provide up to 60 minutes training to a customer organisation within the first month after contract start. Account and product managers will maintain contact to ensure access to the platform is enabled during this first month. Off boarding similarly straightforward, with access coming to an end through the disabling of login credentials
Service documentation
Yes
Documentation formats
PDF
End-of-contract data extraction
Clients have a right to their data already downloaded from the portal even following contract termination. After termination, however, the users' credentials will no longer be enabled for access.
End-of-contract process
At contract end, clients will no longer able to access the service via web interface.

Using the service

Web browser interface
Yes
Supported browsers
  • Internet Explorer 11
  • Microsoft Edge
  • Firefox
  • Chrome
  • Safari
  • Opera
Application to install
No
Designed for use on mobile devices
No
Service interface
No
User support accessibility
None or don’t know
API
No
Customisation available
No

Scaling

Independence of resources
Our service is already scaled to global levels of demand. It is available across multiple European territories as well as North America. We will ensure appropriate capacity is held within the product to anticipate future levels of demand.

Analytics

Service usage metrics
No

Resellers

Supplier type
Not a reseller

Staff security

Staff security clearance
Conforms to BS7858:2019
Government security clearance
Up to Developed Vetting (DV)

Asset protection

Knowledge of data storage and processing locations
Yes
Data storage and processing locations
Other locations
User control over data storage and processing locations
No
Datacentre security standards
Supplier-defined controls
Penetration testing frequency
At least every 6 months
Penetration testing approach
In-house
Protecting data at rest
Other
Other data at rest protection approach
Data centres are fully air-gapped and accessible only to authorised personnel. For users working remote from office locations, VPN access is mandatory. Further detail is available upon request however is limited due to the sensitive nature of the assets and infrastructure we must safeguard.
Data sanitisation process
Yes
Data sanitisation type
Deleted data can’t be directly accessed
Equipment disposal approach
In-house destruction process

Data importing and exporting

Data export approach
Export to Excel is straightforward and is provided via an enabled button on the platform which provides for download of a CSV file to an appropriate location on the users' interface / laptop.
Data export formats
  • CSV
  • Other
Other data export formats
.PDF
Data import formats
CSV

Data-in-transit protection

Data protection between buyer and supplier networks
Private network or public sector network
Data protection within supplier network
Other
Other protection within supplier network
Data centres are fully air-gapped and accessible only to authorised personnel. For users working remote from office locations, VPN access is mandatory. Further detail is available upon request.

Availability and resilience

Guaranteed availability
This service does not have a guaranteed availability level but has suffered no unplanned outages in the past two years of operation. Refunds will only be considered in exceptional circumstances, to be agreed by the account manager with the customer on a pro rated basis.
Approach to resilience
Available on request
Outage reporting
Information will be provided to clients prior to any planned service outage and on a reasonable endeavours basis if unplanned. Planned maintenance on average denies service for three hours every six months.

Identity and authentication

User authentication needed
No
Access restrictions in management interfaces and support channels
We provide login credentials to allow users to access the service. These will be enabled for the duration of the service contract. One set of login credentials will be provided per contract.
Access restriction testing frequency
At least once a year
Management access authentication
Username or password

Audit information for users

Access to user activity audit information
No audit information available
Access to supplier activity audit information
No audit information available
How long system logs are stored for
User-defined

Standards and certifications

ISO/IEC 27001 certification
No
ISO 28000:2007 certification
No
CSA STAR certification
No
PCI certification
Yes
Who accredited the PCI DSS certification
Accredited by payment regulators across multiple territories.
PCI DSS accreditation date
01/01/2022
What the PCI DSS doesn’t cover
Mastercard is fully accredited against PCI DSS requirements across the territories we operate in around the world.
Cyber essentials
No
Cyber essentials plus
No
Other security certifications
No

Security governance

Named board-level person responsible for service security
Yes
Security governance certified
Yes
Security governance standards
Other
Other security governance standards
– Center for Internet Security (CIS) Critical Security Controls for Effective Cyber Defense (CIS Controls)
– American National Standards Institute/International Society of Automation (ANSI/ISA)-62443-2-1 (99.02.01)-2009
– International Organization for Standardization (ISO)/International
Electrotechnical Commission (IEC) 27001
– NIST Special Publication (SP) 800-53 Rev. 4 - NIST SP 800-53
Information security policies and processes
– Center for Internet Security (CIS) Critical Security Controls for Effective Cyber Defense (CIS Controls)
– American National Standards Institute/International Society of Automation(ANSI/ISA)-62443-2-1 (99.02.01)-2009
– International Organization for Standardization (ISO)/International
Electrotechnical Commission (IEC) 27001
– NIST Special Publication (SP) 800-53 Rev. 4 - NIST SP 800-53

Operational security

Configuration and change management standard
Supplier-defined controls
Configuration and change management approach
Change Control and Configuration Management will include a registered take back plan, a testing process, management approval, and updated documentation, in line with PCI DSS guidelines for the payment industry. More detail is available on request.
Vulnerability management type
Undisclosed
Vulnerability management approach
Some limited further detail is available upon request but because of the sensitive nature of the business Mastercard conducts in the payment sphere we are not at liberty to provide detail publicly.
Protective monitoring type
Undisclosed
Protective monitoring approach
Some limited further detail is available upon request but because of the sensitive nature of the business Mastercard conducts in the payment sphere we are not at liberty to provide detail publicly.
Incident management type
Undisclosed
Incident management approach
Some limited further detail is available upon request but because of the sensitive nature of the business Mastercard conducts in the payment sphere we are not at liberty to provide detail publicly.

Secure development

Approach to secure software development best practice
Supplier-defined process

Public sector networks

Connection to public sector networks
No

Social Value

Fighting climate change

Fighting climate change

Mastercard have committed to create a more sustainable and inclusive digital economy, with a pledge to reach net zero emissions by 2050.
This goal builds upon our existing Greenhouse Gas (GHG) commitments that align with the Business Ambition for 1.5°C pledge. Mastercard is currently working towards its SBTi-approved goal to reduce total Scope 1 and 2 emissions by 38% and Scope 3 emissions by 20% by 2025 from a 2016 baseline.
These targets reflect a long-term commitment by the company to monitor and implement best practices to reduce emissions across the business, drive operational energy efficiency, and further engage suppliers in value chain decarbonization. Progress already made towards these goals includes achieving 100% renewable electricity in 2020, reinforced by a commitment to RE100.
Mastercard is also mobilizing its technology, expertise, and trusted global partnerships network to lead on collective climate action, through innovative initiatives such as the Greener Payments Partnership and the Priceless Planet Coalition.
These are activities that will continue as we execute G Cloud contracts in the areas of customer activity.
Covid-19 recovery

Covid-19 recovery

Mastercard products and services are being used every day to understand the strength of the retail recovery in the high street, both amongst private organisations and public sector agencies with responsibility for town centres and wider economic performance. Mastercard prepaid economic stimulus cards have been issued in Northern Ireland, Jersey and across various municipalities across the UK to boost high street spending. Meanwhile our tourism data is being used by DMOs to understand how domestic tourism has supplanted international travel whilst borders have been disrupted by the pandemic. We anticipate similarly activities being undertaken using Mastercard resources to support post-pandemic growth and build resilience on the high street and across the SME sector.
Tackling economic inequality

Tackling economic inequality

Mastercard is at the hub of movement to develop financial technology with a social purpose, and we support new fintech propositions that are seeking to push back the boundaries that stand in the way of access to financial services. We take a firm stand on the theme of financial inclusion, whereby we will work as a priority with partners to ensure the digital economy, the ability to save and the ability to borrow are as widely available as possible. Indeed, such growth is an existential requirement for Mastercard, hence it is a business imperative we work in this way.
Mastercard provides customers and partners with training opportunities on the payments ecosystem, plus a range of tools to boost commercial returns within a secure cyber environment. Meanwhile Mastercard enables employee access to apprenticeship schemes to ensure it provides genuine lifelong professional development.
Equal opportunity

Equal opportunity

Mastercard follows many elements of best practice in the UK, including the following:
- appropriate channels for effective voice, such as trade union recognition
- investment in workforce development
- no inappropriate use of zero hours contracts
- action to tackle the gender pay gap and create a more diverse and inclusive workplace
- providing fair pay for workers (for example, payment of the real Living Wage)
- offer flexible and family friendly working practices for all workers from day one of employment
- oppose the use of fire and rehire practices, both within its businesses and across its global supply chain
- late payment policies to ensure prompt payment of SME suppliers
Wellbeing

Wellbeing

We are committed to supporting our diverse and inclusive workforce across the globe. As part of that commitment, we offer generous benefit programs that are designed using global standards to ensure the financial, emotional, and medical safety of all our employees and their loved ones. We offer best-in-class benefits and programs to support the wellbeing of our employees, including quarterly meeting-free days; learning opportunities for leaders to manage their hybrid workforces; flexibility to work away from the office, and resources focused on mental and physical wellbeing.
Results from this approach are encouraging: Mastercard regularly comes in the top ten of favoured employers and is a top-rated employer on online employee review forums including Glassdoor.

Pricing

Price
£50,000.00 a unit a year
Discount for educational organisations
No
Free trial available
No

Service documents

Request an accessible format
If you use assistive technology (such as a screen reader) and need versions of these documents in a more accessible format, email the supplier at nabeel.irshad@mastercard.com. Tell them what format you need. It will help if you say what assistive technology you use.