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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 organisations using Mastercard Test & Learn.¹

6x

faster analysis reported by clients using Test & Learn™ compared to 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 

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

Marketing

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

Loyalty

Measure and optimise customer loyalty strategies and programmes.

Merchandising

Adjust product offerings and space planning more effectively.

Labour and operations

Improve workforce strategies and operational investments.

Network strategy

Evaluate capital expenditures and network decisions.

Strategy and innovation

Safely deploy AI, validate significant investments and scale innovation with confidence.

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Mastercard’s Test & Learn™ product gave us the ability to standardise 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 swiftly

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 concentrate investment where it delivers the greatest results.

Flexible engagement models to suit your needs

Choose the approach that works best for your business: software, expert consultancy 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 decision-making.

What makes us different

Strengthen your perspective on 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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Prioritise what’s next

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

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Operationalise 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 maximise 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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Book a demo

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 organisation based on interviewed customers.

2. Internal analysis 

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

4. Internal analysis