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What we do
PRODUCT OFFERINGS
Test & Learn® helps organizations understand the true impact of their new and existing initiatives and recommends the most profitable next steps.
Test & Learn® platform
Design and analyze hundreds of business experiments
Test & Learn® with SpendingPulse™ modeling
Evaluate large-scale business initiatives
Test & Learn® consulting services
Work with an experienced team of consultants
Who we serve
BUSINESS EXPERIMENTATION FOR YOUR INDUSTRY
Test & Learn® enables organizations across industries to grow the ROI of their business investments through better analytic insights.
CPGs
Optimize pricing strategies, merchandising
Financial institutions
Improve branch profitability, customer loyalty and operational efficiencies
Insurance Carriers
Optimize claims management, distribution and drive operational efficiencies
Restaurants
Evaluate promotions, price elasticity of menu items and labor needs
Retail
Quantify the impact of promotions, merchandising strategies and supply chain investments
Telecommunications
Optimize save offers, promo roll offs and bundling pricing strategies
Travel
Understand the impact of major capital investments and new pricing models
Strategies we power
TEST & LEARN® IN ACTION
Test & Learn® empowers you to make smarter decisions by optimizing strategies across your business.
Labor & operations
Optimize labor strategies and operational investments
Loyalty
Understand the impact of customer loyalty initiatives
Marketing
Quantify the ROI of marketing investments across your media mix
Merchandising
Adjust product offerings and space planning more effectively
Network strategy
Evaluate capital expenditures and network decisions
Pricing
Determine optimal pricing strategies
Resources
UNMATCHED ANALYTIC EXPERTISE
Mastercard offers various resources to enable organizations to drive more data-driven decisions using business experimentation tactics.
Reports
Read insights from our experts
Developers
Test & Learn for FI banner
Who we serve

Test & Learn® for financial institutions

USE CASES

Drive smarter decisions across all banking initiatives

Banks must be able to deploy strategies to grow their business, enhance customer lifecycle marketing and offer a digital first banking experience. With Test & Learn®, a banking analytics solution, banks can achieve their business objectives by driving initiatives to improve branch profitability, customer loyalty, operational efficiencies and more.

A bank increased its loyalty rewards campaign ROI

A bank needed help measuring the impact of its latest loyalty rewards campaign. Using Test & Learn® software, the bank found the program drove an 18% lift in total spend per week for opt-in cardholders and identified the most effective loyalty offer construct. By targeting the cardholders projected to respond most profitably going forward, the bank was able to generate a 4x ROI improvement.

Customer story

Related resources

Banking's Next Experiment: Innovation in a Post-Covid World
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Cardholder or card not present as physical and digital payments blur?

The terms card present (CP) and card not present (CnP) gloss over a technical distinction between card versus cardholder presence. Evolving notions of credential/card on file (CoF) with cardholder presence add to the confusion.

Outlook Report
Economic Outlook 2023

This year's Economic Outlook report explores the causes and effects shaping the speed and path of real economic growth, - focusing on housing prices, interest rates, inflation, consumer spending & omnichannel growth.

White Paper
Weathering a Downturn: Forecasting for Issuing Banks

Financial forecasting is often viewed with a skepticism associated in the past with weather forecasting, when heeding sailors’ and shepherds’ warnings seemed the best bet. Read on to learn how financial forecasting is now catching up with the weather.