Mastercard's 0.44% Slide and 47th-Ranked $1.33B Volume Amid Launch of On-Demand Decisioning Tool to Boost Bank Autonomy

Mastercard (MA) closed September 9, 2025, , , ranking 47th in market activity. The company introduced On-Demand Decisioning (ODD), a new tool enabling financial institutions to customize transaction authorization rules directly on the Mastercard network. This solution allows banks to automate decision-making processes, prioritize high-value customers, and reduce declines during card reissuance, enhancing both consumer and merchant experiences.

Launched at Mastercard’s RiskX summit in Rome, ODD features a customizable rules engine that grants issuers control over transaction approvals or declines. Financial institutions can choose whether Mastercard executes decisions autonomously or reviews them before finalizing. , Mastercard’s executive vice president of Fraud & Decisioning Solutions, emphasized the solution’s role in balancing security and agility for digital transactions. Porto Bank highlighted ODD’s seamless integration and low operational risk in optimizing authorization strategies.

ODD will be available globally by October 11, excluding India. The solution aims to strengthen Mastercard’s position in cybersecurity innovation while offering partners greater flexibility in managing transaction outcomes. The release underscores the company’s focus on empowering financial institutions with tools to align transaction decisions with their customer experience strategies.

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