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TEST & LEARN™

Test drive ideas at the speed of AI

Discover how Mastercard Test & Learn helps organizations evaluate and scale ideas for maximum business impact.

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A trusted system for enterprise decision-making

Confidence

Validate with rigor.

Consistency

Use the same decision framework across initiatives.

Context

Great decisions in market signals.

Governance

Apply trusted measurement before scaling actions.

Move faster. Measure impact. Scale with certainty.

Products, promotions and pricing

From retail to restaurants, understand what drives adoption margin and revenue.

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Store and network strategy

Evaluate how locations, formats and competitive dynamics influence performance.

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Marketing and media

Pinpoint which investments drive incremental return.

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Operations and investment decisions

Quantify the impact of strategic initiatives before you scale.

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Customer and loyalty growth

Measure which strategies strengthen engagement, retention and lifetime value.

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And more

Apply Test & Learn wherever performance matters.

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From experimentation to enterprise impact

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.2

92%

Of Test & Learn™ engagements generate at least 5 times ROI.3

175bn

Transactions in 2025 and 3.3bn cards across 210 countries, bringing market context to your decision-making.4

Proven across industries

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

Make decisions with clarity and market context

Know what drives outcomes, prioritize highest- value opportunities and scale with precision.

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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 State of Business Experimentation customer study 

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

4. Internal analysis