aspg-37-4403-1792226105 20261017083505 American Scientific Publishing Group admin@americaspg.com American Scientific Publishing Group Financial Technology and Innovation FinTechI 2836-5372 2025 5 1 Samandarboy Sulaymanov Tashkent State University of Economics, Tashkent, Uzbekistan Olimjonov Abbosjon Olimjonovich Tashkent State University of Economics, Tashkent, Uzbekistan Digital card products create business value only when issued accounts translate into sustained, responsible use. This paper develops an expenditure-based segmentation model for embedded FinTech card strategy using a real credit-card micro-dataset. Average monthly card expenditure is treated as an observable engagement outcome and is examined alongside income, age, and home-ownership status. The empirical design combines descriptive portfolio profiling, robust regression, cross-validated prediction, and product-action mapping. The results show that income is the strongest observed driver of monthly spend, but the relationship is nonlinear and does not fully explain customer heterogeneity. A quartile-based segmentation separates low-use, developing-use, active-use, and premium-use customers, with mean monthly expenditure increasing from 39.92 to 666.35 across the four operating segments. The analysis argues that card engagement should be managed as a portfolio state rather than as a simple activation metric. The study contributes a transparent business-analytics framework that links observed card expenditure to embedded-finance decisions, including activation support, limit calibration, reward design, and repayment-aware engagement monitoring. 2025 24 30 4403 https://creativecommons.org/licenses/by/4.0/ 10.54216/FinTech-I.050103 https://americaspg.com/journal/37/article/4403 https://americaspg.com/storage/articles/manuscripts/01M2KCBBGVKYV98WT2PH9PV1B9.pdf