No, only issuers with at least 75K processed transactions in the last 12 months will have access to Diagnose module. Access to Diagnose products is tied to users' MIC Lite access which has an eligibility requirement of minimum 75K processed transactions in the last 12 months.

Yes, users must have a MC Connect account and they must be subscribed to MIC Lite/MIC 2.0 is order to be able to view Diagnose products. MIC Lite is mandatory for all MPMS customers so irrespective of whether they have signed themselves up for it or not, they would be paying for the subscription.

Currently, we don't have any benchmarks on Auth Diagnostics. On EBH, we show regional benchmarks similar to how we have them on MIC Lite and 2.0. We don't have customized benchmarks right now on EBH. However, Truata can have customized benchmarks configured on MIC 2.0.

All products use Mastercard processed+ GCO data.

No, currently client data can only be ingested on MIC 2.0 platform.

- We don’t have insights on virtual cards in any of Diagnose products. However, approval rate insights on tokenized v/s non-tokenized (or MDES v/s Non-MDES) transactions are available in Auth Diagnostics.

- We have top digital wallets for CNP transactions by spend/trx/active cards across Ecommerce/Non-Ecom/Domestic/XB, in Executive Briefings Hub.

- We have insights on MDES v/s Non-MDES transactions, Digital v/s non-digital transactions and different wallet providers on MIC 2.0.

We have data aggregated at monthly level on EBH, Auth Diagnostics and Truata Pioneer.

• MIC Lite is a self-service dashboard that allows very granular deep-dives, however EBH provides pre-curated executive reports that are designed specially for Executive level audience.
• Unlike MIC, EBH homepage provides a quick holistic performance summary across clearing, card not present and operational performance and executive reports follow a storyline that starts with an executive summary and then deep dives into top performance areas. Quick navigation buttons on homepage allow deep dives into specific interest areas without the need for scrolling through dashboards.
• EBH provides much limited filter options than MIC but users can easily switch between their debit/credit portfolios, view performance for Domestic/Cross-Border/CP/CNP etc. using toggle buttons on reports.
• EBH also provides textual summaries on each section for easy understanding.
• Auth Diagnostics provides insights based on raw data as well as cleansed data. However, MIC provides insights based on cleansed data only.
• Auth Diagnostics provides authorization insights on Automatic Billing Updater (ABU) program, Card-on-file transactions, MDES, 3DS, Card verification code etc. – this is not available on MIC Lite
• Auth Diagnostics also contains best practises in each section that issuers can follow to optimize their approval rate performance.

Diagnose products are different from MIC in terms of executive summaries, storyline, UX, ease of consuming insights without the need to make multiple selections on filters. What's also different is the spend forecasting report that provides spend forecasts for current and next year for different acquisition groups. Auth Diagnostics provides insights on approval rate performances for ABU, 3DS etc. - this is not available on MIC, and cardholder analytics provides GDPR compliant benchmarking insights in real time, across multiple dimensions and without the need for an analytics team.
 

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