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Test & Learn™ for financial institutions

Make decisions with confidence

Innovate, optimize and drive smarter decisions across all banking initiatives.

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6x

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

92%

of Test & Learn™ engagements generate at least 5 times ROI. 2

175bn

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

Transform ideas into actionable strategies

Leverage Mastercard’s analytics and expertise to accurately measure and optimize any business initiative.

Drive customer engagement

Determine optimal acquisition offers and adopt effective EMOB strategies.

Optimize branch strategy

Improve branch profitability through opening/closing models, remodels and refreshes. 

Improve operational efficiencies

Unlock improvements across staffing models, call center strategies and employee development programs 

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What started as a few isolated pilots became a scalable strategy. With Mastercard’s support, we turned experimentation into a repeatable discipline that drives performance across the business.

Hector Hernandez Heimpel Director of Activation, Use, and Retention of Debit Portfolio Banco Azteca

Continuous learning for better decisions

Turn every initiative into shared learning that builds confidence and sharpens decision making.

Formulate a testable hypothesis

Collaborate with consulting experts to define clear, measurable assumptions to guide experimentation.

Design and implement test

Establish test and control groups, duration, and schedule to generate reliable insights.

Measure impact across all channels

Leverage consulting-led analysis to quantify true performance outcomes and identify customer segments that respond best.

Rollout targeted initiative

 Scale proven strategies with expert guidance to the right markets, products or customers with confidence.

Flexible engagement models to fit your needs

Minimize risk, accelerate efficiency and scale innovation with controlled experimentation.

Test & Learn™ platform

Design, run, and scale experiments independently.

Advisory for business experimentation

Access strategic guidance, expertise, best-practice methodology, and accelerated results without heavy internal lift.

Test & Learn™ platform with Advisory

 Combine powerful software with expert guidance to design, run, and scale experiments—while building a sustainable culture of data-driven decision-making.

What makes us different

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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Prioritize what’s next

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

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Operationalize for speed

Unlock advanced analytics methods and automated processes to reduce manual analysis and enhance efficiency. Move faster, smarter, and with confidence.

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Obtain market context through data

Leverage Mastercard’s highly contextualized transaction data and AI to provide powerful insights and market context to your decision-making.

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Blog

How financial institutions can drive cardholder engagement across the lifecycle

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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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Marketing Services

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Business Intelligence

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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. Internal analysis ↩

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

3. Internal analysis ↩