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Test & Learn™

Make decisions with confidence

Test ideas in the real world, understand what drives results, and scale what works across your business.

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249%

ROI achieved by organizations using Mastercard Test & Learn.¹

6x

clients report that analysis is 6 times faster with Test & Learn™ than with previous methods.1

5x

ROI achieved for 92% of Test & Learn initiatives.²

175bn

transactions in 2025 and 3.3bn cards across 210 countries, bringing market context to your decision-making.³

Apply Test & Learn wherever performance matters 

Bring AI speed together with trusted, rigorous measurement to understand impact, align teams, and drive confident action.

Marketing

Quantify and optimize the ROI of marketing investments across your media mix. 

Loyalty

Measure and optimize customer loyalty strategies and programs.

Merchandising

Adjust product offerings and space planning more effectively.

Labor and operations

Improve workforce strategies and operational investments.

Network strategy

Evaluate capital expenditures and network decisions.

Strategy and innovation

Safely deploy AI, validate big bets, and scale innovation with confidence.

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Mastercard’s Test & Learn™ product gave us the ability to standardize how we measure our ideas and to give us the confidence that those ideas are going to work in our network.

Wayne Grenfell General Manager, Data Analytics and Insights 7-Eleven Australia

Drive outcomes with continuous learning

Start with a clear objective

Define what success looks like and the assumptions you want to test.

Set up and run tests quickly

Use AI to accelerate test setup and ensure they are structured to deliver trusted, real-world insights.

Understand what drives impact 

Measure performance and identify where results are strongest across channels, customer segments, or locations.

Scale what works 

Apply proven outcomes across your business and focus investment where it delivers the greatest results.

Flexible engagement models to fit your needs

Choose the approach that works best for your business—software, expert consulting, or a hybrid model that combines both.

Test & Learn™ platform

Design, run, and scale experiments independently.

Advisory and Transformation

Access strategic guidance, expertise, and best-practice methodologies from our team of experimentation experts.

Test & Learn platform with Advisory and Transformation

Combine powerful technology, data and expertise to build a culture of data-driven decisioning.

What makes us different

Strengthen your view of what’s driving performance

Mastercard’s spend insights and AI help you see performance clearly and validate results in the context of the broader market.

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Prioritize what’s next

Benefit from advanced modeling to understand in which locations or with which consumer segments a program will perform best with broader rollout.

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Operationalize for speed

Access AI‑enabled experimentation that automates analysis and enables faster, smarter decisions.

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Tap into leading expertise

With our extensive team of industry, data, analytics and subject matter experts, we provide the valuable insights and guidance you need to thrive.

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CUSTOMER STORY

How 7-Eleven Australia partnered with Mastercard to build a faster, more consistent decision-engine

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CUSTOMER STORY

How Domino’s Pizza Indonesia served up a data-driven growth strategy with Test & Learn™

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Frequently purchased together

Unlock deeper insights and maximize the impact by pairing Test & Learn™ with complementary offerings designed to drive smarter decisions.

Mastercard Advisors

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Shopper Intelligence

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Places

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Featured resources

Developer Resources

Developers

Build with Mastercard

Access API documentation and developer tools to integrate secure, scalable, and innovative commerce solutions.

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Frequently asked questions

Test and learn is a business experimentation methodology that measures the true incremental impact of a decision before it is scaled. A change is applied to test groups and withheld from matched control groups, and the performance difference between them isolates cause and effect, so organizations roll out only what is proven to work.

A/B testing compares two versions of a single variable. Test and learn is the broader business experimentation discipline that extends beyond a single test to include hypothesis, test design, cross-channel measurement and rollout — applied to real-world changes across stores, branches, regions and customer segments. 

Enterprise test and learn software should provide AI-assisted test design, matched test and control group selection, cross-channel KPI measurement, incrementality analysis that isolates halo and cannibalization and a library of past results so teams can build on prior learnings.

Mastercard Test & Learn™ is a business experimentation and decisioning solution that helps organizations design and analyze in-market tests to measure the true impact of a business initiative before scaling it.  It uses AI-enabled workflows to speed test design, analysis and readouts while preserving analytical rigor, and adds Mastercard’s proprietary spend insights for broader market context.

Mastercard Test & Learn™ pairs AI-enabled business experimentation with Mastercard’s proprietary spend insights of 175 billion transactions in 2025 and 3.3 billion cards across 210 countries. That external market context provides businesses with broader market context to validate results and understand what is truly driving performance.

Organizations using Mastercard Test & Learn™ achieved a 249% ROI in a Forrester Total Economic Impact™ study commissioned by Mastercard (June 2026). Clients in that same study report that analysis is six times faster with Test & Learn™ than with their previous methods. Organizations that used Test & Learn™ to inform initiatives also saw average annual incremental sales increases of over $18 million (Frost & Sullivan, 2025). 

Mastercard Test & Learn™ can be applied across marketing, loyalty programs, merchandising, labor and operations, network strategy and innovation — helping teams understand what drives performance in each area.

It fits enterprises making repeatable, high-stakes decisions across many locations, channels or customer segments. Three engagement models flex to your team: the self-service software platform, Advisory & Transformation for expert-led consulting, or a hybrid combining platform access with strategic expertise. Book a demo to see it against your own use case.

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Request a personalized demo to learn how Mastercard can enhance your business through our products and services.

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1. The Total Economic Impact of Mastercard Test & Learn, a commissioned study conducted by Forrester Consulting, July 2026. Results are for a composite organization based on interviewed customers.

2. Internal analysis 

3. Frost & Sullivan analysis. *60+ Sample Test & Learn Engagements, 230+ initiatives analyzed, 9 industries represented 

4. Internal analysis