Abstract: A tailored messaging capability (also referred to as customized messaging) delivers individually relevant or individualized spend recommendations regarding merchants to cardholders at a level of granularity not previously available. This capability brings together the cardholder and the merchant environments to support a spend-centric revenue model. Based on a cardholder's spending history, this tool provides relevant merchant recommendations to the individual cardholder based on that cardholder's unique spend potential in view of that of their peer group. This capability encourages business spend in categories which have historically been paid by invoice, cash, or check. By highlighting relevant merchants, not only is perception of coverage shifted, but specific spend behavior is influenced.