What term refers to the demographics of a cardholder's portfolio?

The term that refers to the demographics of a cardholder's portfolio is "Cardholder Profile." This term encompasses various characteristics and details about cardholders, such as age, gender, income level, purchasing behavior, and other demographic information that can be used for analysis and marketing purposes.

Understanding a cardholder's profile is essential for businesses as it allows them to tailor their services and marketing strategies to better meet the needs and preferences of their customers, ultimately enhancing customer satisfaction and loyalty. The insight gained from cardholder profiles can also aid in fraud prevention, risk assessment, and identifying trends in consumer behavior, which are vital for maintaining competitive advantage in the payment processing landscape.

The other terms listed do not specifically relate to the demographics of a cardholder's portfolio. The Cardholder Information Security Program pertains to security measures in place to protect cardholder data, Card Not Present refers to a transaction type involving online or phone sales where the card is not physically presented, and a Cardholder Master File is a database storing cardholder account information but does not capture demographic details in the same way a profile does.