Mastercard
2000 Purchase Street,
Purchase, 10577, NY,
United States
Purchase, 10577, NY,
United States
1 914-249-2000
Banking and Financial Services
Mastercard Technographics
Mastercard Technographics, Software Purchases, AI and Digital Transformation Initiatives
Discover the latest software purchases and digital transformation initiatives being undertaken by Mastercard and its business and technology executives. Each quarter our research team identifies on-prem and cloud applications that are being used by the 35300 Mastercard employees from the public (Press Releases, Customer References, Testimonials, Case Studies and Success Stories) and proprietary sources.
During our research, we have identified that Mastercard has purchased the following applications: ACI BASE24 for Payment Processing in 2008, Workday HCM for Core HR in 2020, MoneyLion RoarMoney for Digital Banking in 2020 and the related IT decision-makers and key stakeholders.
Our database provides customer insight and contextual information on which enterprise applications and software systems Mastercard is running and its propensity to invest more and deepen its relationship with ACI Worldwide , Workday , Gloat or identify new suppliers as part of their overall Digital and IT transformation projects to stay competitive, fend off threats from disruptive forces, or comply with internal mandates to improve overall enterprise efficiency.
We have been analyzing Mastercard revenues, which have grown to $28.17 billion in 2024, plus its IT budget and roadmap, cloud software purchases, aggregating massive amounts of data points that form the basis of our forecast assumptions for Mastercard intention to invest in emerging technologies such as AI, Machine Learning, IoT, Blockchain, Autonomous Database or in cloud-based ERP, HCM, CRM, EPM, Procurement or Treasury applications.
Mastercard Tech Stack and Enterprise Applications
Mastercard ERP
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
| ACI Worldwide | Legacy | ACI BASE24 | Payment Processing | ERP | n/a | 2008 | 2008 |
In 2008, Mastercard implemented ACI BASE24 as the core processing engine for its Mastercard Integrated Processing Solutions IPS to provide debit, prepaid, ATM driving, exception processing and fraud management across its network. The deployment targeted global card processing and fraud reduction outcomes, with ACI BASE24 positioned to support high-volume transaction switching and routing for Mastercard clients.
The implementation used the BASE24-eps configuration to enable transaction filtering, exception processing workflows, ATM driving logic and real-time fraud handling capabilities. Functional modules implemented included debit and prepaid authorization processing, exception queue management, transaction filtering rulesets and fraud management decisioning consistent with card processing architectures.
Operational coverage was global card processing for Mastercard clients, with the ACI BASE24 engine integrated into Mastercard Integrated Processing Solutions to centralize authorization and exception workflows. Governance focused on standardized exception handling and rule deployment for fraud screening, supporting consistent real-time decisioning across issuing and acquiring flows, and enabling transaction filtering and improved real-time fraud handling as stated in the deployment notes.
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Mastercard HCM
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
| Workday | Legacy | Workday HCM | Core HR | HCM | n/a | 2020 | 2020 |
In 2020, Mastercard implemented Workday HCM as its Core HR platform. The deployment concentrated on core HCM modules and configuration activities typical of Core HR solutions, with dedicated Workday consultants orchestrating the initial build and optimization of employee records, position management, and organizational structures.
Consultants conducted structured fit gap analyses and produced functional specifications to align Workday HCM workflows with Mastercard strategic HR objectives. Configuration work emphasized business process configuration, data model tuning, and automation of onboarding and approvals, and the program reported a 20% reduction in manual effort through these optimizations.
Operational scope included coordinated initiatives across HR, Payroll, and IT teams to align payroll touchpoints and internal technical services with the Workday HCM deployment. Governance was formalized through change control and a support model that delivered a 100% satisfaction rate, enabling a continuing cadence of process optimization and functional refinements.
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Payroll | HCM |
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2020 | 2020 |
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Recruiting, Applicant Tracking System | HCM |
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2020 | 2020 |
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Talent Assessment, Skills Intelligence | HCM |
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2021 | 2022 |
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Mastercard ERP Services and Operations
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
| MoneyLion | Legacy | MoneyLion RoarMoney | Digital Banking | ERP Services and Operations | n/a | 2020 | 2020 |
In 2020 Mastercard served as the exclusive card network partner for MoneyLion's RoarMoney debit card, providing network-level services that underpinned the product launch. Mastercard supplied contactless payments capability, enabling Tap & Go transactions, and delivered card benefits and card-backed protections at RoarMoney introduction, forming a core payments layer for the MoneyLion RoarMoney Digital Banking offering.
Mastercard's role centered on network services and card provisioning integrated into MoneyLion's Digital Banking payments and card issuance functions, supporting contactless transaction routing, consumer-facing card benefits, and protections tied to card activity. The implementation scoped to the U.S. payments and finance area, impacted payments operations, card operations, fraud and risk workflows, and customer support processes, and was executed as a coordinated network partnership at product launch rather than as a separate systems migration.
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Enterprise Asset Management | ERP Services and Operations |
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2015 | 2015 |
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Insurance Claims Management | ERP Services and Operations |
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2022 | 2022 |
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Mastercard AI-Powered Application
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
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Cognitive Computing | AI-Powered Application |
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2021 | 2021 |
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Mastercard Analytics and BI
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
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Analytics and BI | Analytics and BI |
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2022 | 2022 |
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Mastercard Blockchain
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
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Blockchain Platform | Blockchain |
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2022 | 2022 |
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Mastercard Collaboration
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
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Event Management | Collaboration |
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2018 | 2018 |
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Mastercard Content Management
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
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Digital Asset Management | Content Management |
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2016 | 2016 |
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Mastercard eCommerce
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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eCommerce Fraud Protection | eCommerce |
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2025 | 2025 |
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Mastercard CRM
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
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Customer Experience | CRM |
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2016 | 2017 |
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Marketing Automation | CRM |
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2013 | 2013 |
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Tag Management | CRM |
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2021 | 2021 |
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Mastercard TRM
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
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Governance, Risk and Compliance | TRM |
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2020 | 2020 |
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Governance, Risk and Compliance | TRM |
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2020 | 2020 |
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Mastercard PaaS
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
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API Management | PaaS |
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2012 | 2013 |
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Robotic Process Automation | PaaS |
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2017 | 2017 |
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Test Automation Platform | PaaS |
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2023 | 2023 |
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Mastercard IaaS
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
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Backup as a Service (BaaS) | IaaS |
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2016 | 2016 |
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Content Delivery Network | IaaS |
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2020 | 2020 |
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Servers, Storage and Networking | IaaS |
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2020 | 2020 |
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Mastercard CyberSecurity
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
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Identity and Access Management (IAM) | CyberSecurity |
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2016 | 2016 |
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Identity and Access Management (IAM) | CyberSecurity |
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2017 | 2017 |
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IT Decision Makers and Key Stakeholders at Mastercard
| First Name | Last Name | Title | Function | Department | Phone | |
|---|---|---|---|---|---|---|
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Chief People Officer | CXO | HR | |
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Vice President, HR Technology, Employee Experience and Analytics | VP | HR | |
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Director, Global Payroll | Director | HR | |
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Apps Being Evaluated by Mastercard Executives
APPS RUN THE WORLD tracks software evaluation trends across 2 million companies worldwide, including buyer insights from Mastercard IT executives and key decision makers. This section highlights Mastercard's latest recorded technology evaluations, including SAP Ariba for Procurement on 2026-03-31, YayPay by Quadient for AR Automation on 2026-03-30, and Unit4 Scanmarket (formerly Symfact) for Contract Lifecycle Management, Sourcing on 2026-03-25. As part of ARTW Buyer Intent and technographics insights, these findings provide useful visibility into the Mastercard digital transformation priorities and AI adoption trends.
| Date | Company | Status | Vendor | Product | Category | Market |
|---|---|---|---|---|---|---|
| 2026-03-31 | Mastercard | Evaluated | SAP | SAP Ariba | Procurement | Procurement |
| 2026-03-30 | Mastercard | Evaluated | Quadient | YayPay by Quadient | AR Automation | ERP |
| 2026-03-25 | Mastercard | Evaluated | UNIT4 | Unit4 Scanmarket (formerly Symfact) | Contract Lifecycle Management, Sourcing | Content Management |
| 2026-03-24 | Mastercard | Evaluated |
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Application Hosting and Computing Services | IaaS |
| 2026-03-23 | Mastercard | Evaluated |
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Collaboration | Collaboration |
| 2026-03-12 | Mastercard | Evaluated |
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Payment Processing | ERP |
| 2026-02-28 | Mastercard | Evaluated |
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Benefits Administration | HCM |
| 2026-02-27 | Mastercard | Evaluated |
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Risk Management | TRM |
| 2026-02-26 | Mastercard | Evaluated |
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Customer Loyalty | CRM |
| 2026-02-24 | Mastercard | Evaluated |
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Payment Processing | ERP |
FAQ - APPS RUN THE WORLD Mastercard Technographics
Mastercard is a Banking and Financial Services organization based in United States,
with around 35300 employees and annual revenues of $28.17 billion.
Mastercard operates a diverse technology stack with applications such as
ACI BASE24, Workday HCM and MoneyLion RoarMoney,
covering areas like Payment Processing, Core HR and Digital Banking.
Mastercard has invested in cloud applications and AI-driven platforms to optimize efficiency and growth,
collaborating with vendors such as ACI Worldwide, Workday and MoneyLion.
Mastercard recently adopted applications including
Riskified Chargeback Guarantee in 2025, BrowserStack Percy in 2023 and Milliman Payment Integrity in 2022,
highlighting its ongoing modernization strategy.
APPS RUN THE WORLD maintains an up-to-date database of Mastercard’s key decision makers and IT executives,
available to Premium subscribers.
Our research team continuously updates Mastercard’s profile with verified software purchases,
vendor relationships, and digital initiatives identified from public and proprietary sources.
Subscribe to APPS RUN THE WORLD to access the complete Mastercard technographics profile,
including detailed breakdowns by category, vendor, and IT decision makers.