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class="primary-nav--menu--link"> Overview </button><div class="primary-nav--menu--mega-menu-dropdown overview_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav main-column="center"><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"><div class="mc-multi-column-nav__overview-title"><div>Overview</div></div></div><div class="mc-multi-column-nav__content"><div class="mc-multi-column-nav__overview-tagline"><div>Get to know Mastercard Data & Services</div></div></div></div><div slot="mc-multi-column-nav--center-col"><ul class="mc-multi-column-nav__links mc-multi-column-nav__links--overview"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/overview/about" data-drupal-link-system-path="node/4886">What is Data & Services?</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercard.us/en-us/vision/corp-responsibility/data-responsibility.html">Our data advantage</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/overview/partners/become-partner" data-drupal-link-system-path="node/8081">Become a partner</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/overview/partners/find-partner" data-drupal-link-system-path="node/8076">Find a partner</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/case-studies" data-drupal-link-system-path="node/361">Customer stories</a></li></ul></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Featured customer story</div> </mc-title></div><div class="mc-multi-column-nav__content article-card-container"><div><div class="paragraph--article-card"><mds-article-card summary="How Barry’s leveled up its tiered loyalty program with SessionM" article-card-title="Case Study" url="/en/capabilities/case-studies/how-barry-s-leveled-its-tiered-loyalty-program-sessionm" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Barrys%20Teaser.png.webp" alt="People working out at Barrys Teaser" loading="lazy" > </picture></mds-article-card></div></div></div></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded menu-item--active-trail"> <button class="primary-nav--menu--link"> Capabilities </button><div class="primary-nav--menu--mega-menu-dropdown flyout_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav columns="2" main-column="left" ><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Capabilities</div> </mc-title></div><div class="mc-multi-column-nav__content"><ul class="mc-multi-column-nav__links mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded menu-item--active-trail"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Business experimentation solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Business experimentation solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/market-basket-analyzer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/46">Market Basket Analyzer</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/menu-analyzer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/276">Menu Analyzer</a></li><li class="primary-nav--menu--item menu-item--active-trail primary-nav--menu--cta"> <a href="/en/capabilities/test-learn" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent is-active" data-drupal-link-system-path="node/61" aria-current="page">Test & Learn®</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Business intelligence </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Business intelligence </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/acquiring-optimizer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7631">Acquiring Optimizer</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/portfolio-optimizer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7616">Portfolio Optimizer</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/commercial-card-insights" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7626">Commercial Card Insights</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/commercial-rebates-incentives-platform" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Commercial Rebates & Incentives Platform</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/global-treasury-intelligence" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5641">Global Treasury Intelligence</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/portfolio-intelligence-solutions" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7331">Portfolio Intelligence Solutions</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/business-card-acquisition" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Business Card Acquisition</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/success-planning-fintechs" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Success Planning for Fintechs</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/supplier-enablement-activation-service" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Supplier Enablement & Activation Service</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Customer engagement solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Customer engagement solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Loyalty platforms </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Loyalty platforms </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/digital-disbursements" data-drupal-link-system-path="node/10656">Digital Disbursements</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/rewards" data-drupal-link-system-path="node/7711">Mastercard Rewards</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/offers" data-drupal-link-system-path="node/246">Offers</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/sessionm" data-drupal-link-system-path="node/3786">SessionM</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Loyalty services </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Loyalty services </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/mastercard-cardholder-services" data-drupal-link-system-path="node/406">Cardholder Services & Benefits </a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/marketing-services" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/391">Marketing Services</a></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Personalization </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Personalization </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/dynamic-yield" data-drupal-link-system-path="node/5291">Dynamic Yield</a></li></ul></div></div></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Cyber solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Cyber solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/capabilities/cyber-crisis-exercise" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Cyber Crisis Exercise</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/cyber-front" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5701">Cyber Front</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/cyber-insights" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8701">Cyber Insights</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/cyber-quant" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/2201">Cyber Quant</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Location spend insights </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Location spend insights </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/places" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7621">Places</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/spendingpulse" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/66">SpendingPulse™ </a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/tourism-insights" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7906">Tourism insights</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Market intelligence </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Market intelligence </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/mastercard-business-intelligence" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4381">Mastercard Business Intelligence</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/capabilities/merchant-insights-and-analytics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Merchant Insights & Analytics</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/world-payments-advisory" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5316">World Payments Advisory™</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> SME Solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > SME Solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/payment-facilitator-accelerator" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/10691">Payment Facilitator Accelerator</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/sme-portfolio-optimization" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8191">SME Portfolio Optimization</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/sme-commercial-value-proposition" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8196">SME Commercial Value Proposition</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/small-business-credit-analytics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7886">Small Business Credit Analytics</a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4896">See all products</a></li></ul></div></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl" ><div>Featured article</div> </mc-title></div><div class="mc-multi-column-nav__content featured-articles-container"><div class="paragraph--article-card"><mds-article-card summary="The essential guide to paid loyalty" article-card-title="Blog" url="https://www.mastercardservices.com/en/advisors/consumer-engagement-loyalty-consulting/insights/essential-guide-paid-loyalty" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Paid%20loyalty%20teaser_image_1.png.webp" alt="Woman on tablet teaser" loading="lazy" > </picture></mds-article-card></div></div></div><div slot="mc-multi-column-nav--promo-panel"> <mc-promo-panel> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Broker_orng_6.png.webp" alt="Test & Learn®" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/capabilities/test-learn"></a><div slot="mc-callout--body">Mastercard Test & Learn helps business leaders make decisions with confidence by analyzing in-market business experiments.</div> <mc-button slot="mc-callout--cta" url="/en/capabilities/test-learn" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > Test & Learn® </mc-button></mc-callout> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Agile_orng_0.png.webp" alt="sessionm" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/capabilities/sessionm"></a><div slot="mc-callout--body">Automate, manage, measure and optimize loyalty and customer engagement at scale.</div> <mc-button slot="mc-callout--cta" url="/en/capabilities/sessionm" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > SessionM </mc-button></mc-callout> </mc-promo-panel></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Advisory </button><div class="primary-nav--menu--mega-menu-dropdown flyout_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav columns="2" main-column="left" ><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Practices</div> </mc-title></div><div class="mc-multi-column-nav__content"><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Consulting Services </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Consulting Services </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/ai-advanced-analytics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7436">AI & advanced analytics</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/consumer-engagement-loyalty" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4806">Consumer engagement & loyalty</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/cyber-enterprise-risk" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4726">Cyber & enterprise risk</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/data-strategy-management" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4801">Data & infrastructure</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/economics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7076">Economic consulting</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/future-tech" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7931">Future tech</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/payments" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4811">Payments</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/sustainability-financial-inclusion" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5051">Sustainability & financial inclusion</a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/implementation-services" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4791">Implementation Services</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/digital-labs" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4991">Innovation Services</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/marketing-services" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/391">Marketing Services</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/396">See all advisors services</a></li></ul></div></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl" ><div>Featured articles</div> </mc-title></div><div class="mc-multi-column-nav__content featured-articles-container"><div class="paragraph--article-card"><mds-article-card summary="The luxury retail marketer’s guide to customer loyalty<br />" article-card-title="Blog" url="/en/advisors/consumer-engagement-loyalty-consulting/insights/luxury-retail-marketers-guide-customer" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/CS241234-Illustrations-for-luxury-retail_Teaser_Image_2.png.webp" alt="Woman shopping in retail looking at clothes teaser" loading="lazy" > </picture></mds-article-card></div><div class="paragraph--article-card"><mds-article-card summary="Expert tips for reducing retail shrink" article-card-title="Blog" url="/en/industries/retail/insights/expert-tips-reducing-retail-shrink" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Retail%20Blog%20Creatives_Shrink_668X500.png.webp" alt="Retail Blog Creatives_Shrink_668X500" loading="lazy" > </picture></mds-article-card></div></div></div><div slot="mc-multi-column-nav--promo-panel"> <mc-promo-panel> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/NGO1.png.webp" alt="LOYALTY & PERSONALIZATION" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/advisors/consumer-engagement-loyalty"></a><div slot="mc-callout--body">Build and sustain authentic relationships with your customers</div> <mc-button slot="mc-callout--cta" url="/en/advisors/consumer-engagement-loyalty" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > Consumer Engagement & Loyalty Consulting </mc-button></mc-callout> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icons_banking_orng_contactless_payment_turnstile-1.png.webp" alt="" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/advisors/payments"></a><div slot="mc-callout--body">Future-proof your payments business with consulting support on strategy to implementation</div> <mc-button slot="mc-callout--cta" url="/en/advisors/payments" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > Payments Consulting </mc-button></mc-callout> </mc-promo-panel></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Industries </button><div class="primary-nav--menu--mega-menu-dropdown flyout_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav columns="2" main-column="left" ><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Industries</div> </mc-title></div><div class="mc-multi-column-nav__content"><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Financial services </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Financial services </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/acquirers-and-processors" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8311">Acquirers and processors</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/commercial-banks" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4731">Commercial banking</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/retail-banking" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4736">Retail banking</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/small-business" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4766">Small business services</a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/consumer-packaged-goods" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4756">Consumer goods</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/fintech" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4741">Fintech</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/governments" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4771">Governments</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/industries/high-tech-digital-players" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">High tech & digital</a></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Retail </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Retail </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/industries/drugstores-pharmacies" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Drugstores & pharmacies</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/fashion-specialty-retail" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/9246">Fashion & specialty retail</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/fuel-convenience" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8456">Fuel & convenience</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/industries/grocery-mass-market-retail" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Grocery & mass market retail</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/mastercard-retailers" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4746">All retail</a></li></ul></div></div></li><li class="primary-nav--menu--item 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primary-nav--menu--cta"> <a href="/en/industries/airlines" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4721">Airlines</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/travel-and-hospitality" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8331">All travel & hospitality </a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/hotels" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8346">Hotels</a></li></ul></div></div></li></ul></div></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl" ><div>Featured articles</div> </mc-title></div><div class="mc-multi-column-nav__content featured-articles-container"><div class="paragraph--article-card"><mds-article-card summary="The CMO’s guide to customer engagement in retail" article-card-title="Blog" url="/en/industries/retail/insights/cmo-s-guide-customer-engagement-retail" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/CMOs%20Guide_Retail_668X500.png.webp" alt="Woman looking at clothes teaser image" loading="lazy" > </picture></mds-article-card></div><div class="paragraph--article-card"><mds-article-card summary="Impact evaluation drives effective public sector change" article-card-title="Blog" url="/en/industries/governments/insights/impact-evaluation-drives-effective-public-sector-change" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/11.6.tile_image.png.webp" alt="City skyline teaser" loading="lazy" > </picture></mds-article-card></div></div></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Resources </button><div class="primary-nav--menu--mega-menu-dropdown overview_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav main-column="center"><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"><div class="mc-multi-column-nav__overview-title"><div>Resources</div></div></div><div class="mc-multi-column-nav__content"><div class="mc-multi-column-nav__overview-tagline"><div>Insights to keep your business moving forward</div></div></div></div><div slot="mc-multi-column-nav--center-col"><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation mc-multi-column-nav__links"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/reports" data-drupal-link-system-path="node/11">Blog & reports</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/economics-institute" data-drupal-link-system-path="node/2446">Economics Institute</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/mastercard-business-intelligence" data-drupal-link-system-path="node/4381">Mastercard Business Intelligence</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/events" data-drupal-link-system-path="node/31">Events</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/resources/webinars" data-drupal-link-system-path="node/7936">Webinars</a></li></ul></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Featured article</div> </mc-title></div><div class="mc-multi-column-nav__content article-card-container"><div><div class="paragraph--article-card"><mds-article-card summary="Economic Outlook 2025" article-card-title="Mastercard Economic Institute" url="/en/advisors/economic-consulting/insights/economic-outlook-2025" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/668x500-Tile.jpg.webp" alt="Steering through change teaser" loading="lazy" > </picture></mds-article-card></div></div></div></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <mc-button url="/en/overview/demo-request" link-color="neutral-gray7" size="medium-small" color="brand-primary" target="_self" button-color="dark" 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slot="mc-multi-column-nav--center-col" class="header__search-block-form__wrapper"><form class="header-search-form" data-drupal-selector="header-search-form" action="/en/capabilities/test-learn" method="post" id="header-search-form" accept-charset="UTF-8"><div class="form form--search form--header-search"><div class="form-group js-form-item form-item js-form-type-textfield form-item-keyword js-form-item-keyword form-no-label"> <input class="form-control form--search form-text" placeholder="I’m looking for..." data-drupal-selector="edit-keyword" type="text" id="edit-keyword" name="keyword" value="" size="60" maxlength="128" /></div></div><span class="btn-wrapper"> <input data-drupal-selector="edit-submit" type="submit" id="edit-submit--2" name="op" value="Search" class="button js-form-submit form-submit" /></span><input data-drupal-selector="form-jnj-urcg-gfuuyqv9sdok4tdti0fex3-mnntgqadjnm" type="hidden" name="form_build_id" value="form-JNJ_urcG_GFuUyQv9Sdok4Tdti0feX3-mNnTgQADJNM" /><input data-drupal-selector="edit-header-search-form" type="hidden" name="form_id" value="header_search_form" /></form> <mc-svg color="neutral-gray7" svg-name="magnifying-glass" class="icon icon--search header__search-form-icon"></mc-svg><div class="mc-multi-column-nav__popular-searches"> <mc-title level="h3" color="neutral-white" text-transform="uppercase" level-size="sm"><div>Popular searches</div> </mc-title><div class="site_setting_entity"><div><div><a href="/en/industries/retail/insights/retail-industry-trends-2024">Retail trends</a></div><div><a href="/en/advisors/economic-consulting/insights/economic-outlook-2024">Economic outlook</a></div></div></div></div></div></div><div class="mc-multi-column-nav__right-col"><div slot="mc-multi-column-nav--right-col"></div></div> </mc-multi-column-nav></div></div></div><div class="header__main-nav"> <nav role="navigation" aria-labelledby="block-primarynavigation-menu" id="block-primarynavigation" data-block-plugin-id="system_menu_block:primary-navigation"><div class="visually-hidden" id="block-primarynavigation-menu">Primary Navigation</div> <mc-primary-nav slot="main-nav"> <nav class="main-nav--nav"><ul class="menu--simple-mega-menu primary-nav--menu"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Overview </button><div class="primary-nav--menu--mega-menu-dropdown overview_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav main-column="center"><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"><div class="mc-multi-column-nav__overview-title"><div>Overview</div></div></div><div class="mc-multi-column-nav__content"><div class="mc-multi-column-nav__overview-tagline"><div>Get to know Mastercard Data & Services</div></div></div></div><div slot="mc-multi-column-nav--center-col"><ul class="mc-multi-column-nav__links mc-multi-column-nav__links--overview"><li class="primary-nav--menu--item 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level-size="sm-lh-xl"><div>Featured customer story</div> </mc-title></div><div class="mc-multi-column-nav__content article-card-container"><div><div class="paragraph--article-card"><mds-article-card summary="How Barry’s leveled up its tiered loyalty program with SessionM" article-card-title="Case Study" url="/en/capabilities/case-studies/how-barry-s-leveled-its-tiered-loyalty-program-sessionm" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Barrys%20Teaser.png.webp" alt="People working out at Barrys Teaser" loading="lazy" > </picture></mds-article-card></div></div></div></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded menu-item--active-trail"> <button class="primary-nav--menu--link"> Capabilities </button><div 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class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/market-basket-analyzer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/46">Market Basket Analyzer</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/menu-analyzer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/276">Menu Analyzer</a></li><li class="primary-nav--menu--item menu-item--active-trail primary-nav--menu--cta"> <a href="/en/capabilities/test-learn" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent is-active" data-drupal-link-system-path="node/61" aria-current="page">Test & Learn®</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Business intelligence </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Business intelligence </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/acquiring-optimizer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7631">Acquiring Optimizer</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/portfolio-optimizer" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7616">Portfolio Optimizer</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/commercial-card-insights" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7626">Commercial Card Insights</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/commercial-rebates-incentives-platform" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Commercial Rebates & Incentives Platform</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/global-treasury-intelligence" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5641">Global Treasury Intelligence</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/portfolio-intelligence-solutions" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7331">Portfolio Intelligence Solutions</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/business-card-acquisition" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Business Card Acquisition</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/success-planning-fintechs" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Success Planning for Fintechs</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/supplier-enablement-activation-service" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Supplier Enablement & Activation Service</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Customer engagement solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Customer engagement solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Loyalty platforms </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Loyalty platforms </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/digital-disbursements" data-drupal-link-system-path="node/10656">Digital Disbursements</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/rewards" data-drupal-link-system-path="node/7711">Mastercard Rewards</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/offers" data-drupal-link-system-path="node/246">Offers</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/sessionm" data-drupal-link-system-path="node/3786">SessionM</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Loyalty services </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Loyalty services </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/mastercard-cardholder-services" data-drupal-link-system-path="node/406">Cardholder Services & Benefits </a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/marketing-services" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/391">Marketing Services</a></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Personalization </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Personalization </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/dynamic-yield" data-drupal-link-system-path="node/5291">Dynamic Yield</a></li></ul></div></div></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Cyber solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Cyber solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/capabilities/cyber-crisis-exercise" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Cyber Crisis Exercise</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/cyber-front" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5701">Cyber Front</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/cyber-insights" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8701">Cyber Insights</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/cyber-quant" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/2201">Cyber Quant</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Location spend insights </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Location spend insights </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/places" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7621">Places</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/spendingpulse" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/66">SpendingPulse™ </a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/tourism-insights" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7906">Tourism insights</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Market intelligence </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Market intelligence </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/mastercard-business-intelligence" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4381">Mastercard Business Intelligence</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/capabilities/merchant-insights-and-analytics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Merchant Insights & Analytics</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/world-payments-advisory" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5316">World Payments Advisory™</a></li></ul></div></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> SME Solutions </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > SME Solutions </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/payment-facilitator-accelerator" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/10691">Payment Facilitator Accelerator</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/sme-portfolio-optimization" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8191">SME Portfolio Optimization</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/sme-commercial-value-proposition" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8196">SME Commercial Value Proposition</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/small-business-credit-analytics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7886">Small Business Credit Analytics</a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4896">See all products</a></li></ul></div></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl" ><div>Featured article</div> </mc-title></div><div class="mc-multi-column-nav__content featured-articles-container"><div class="paragraph--article-card"><mds-article-card summary="The essential guide to paid loyalty" article-card-title="Blog" url="https://www.mastercardservices.com/en/advisors/consumer-engagement-loyalty-consulting/insights/essential-guide-paid-loyalty" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Paid%20loyalty%20teaser_image_1.png.webp" alt="Woman on tablet teaser" loading="lazy" > </picture></mds-article-card></div></div></div><div slot="mc-multi-column-nav--promo-panel"> <mc-promo-panel> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Broker_orng_6.png.webp" alt="Test & Learn®" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/capabilities/test-learn"></a><div slot="mc-callout--body">Mastercard Test & Learn helps business leaders make decisions with confidence by analyzing in-market business experiments.</div> <mc-button slot="mc-callout--cta" url="/en/capabilities/test-learn" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > Test & Learn® </mc-button></mc-callout> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icon_Agile_orng_0.png.webp" alt="sessionm" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/capabilities/sessionm"></a><div slot="mc-callout--body">Automate, manage, measure and optimize loyalty and customer engagement at scale.</div> <mc-button slot="mc-callout--cta" url="/en/capabilities/sessionm" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > SessionM </mc-button></mc-callout> </mc-promo-panel></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Advisory </button><div class="primary-nav--menu--mega-menu-dropdown flyout_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav columns="2" main-column="left" ><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Practices</div> </mc-title></div><div class="mc-multi-column-nav__content"><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Consulting Services </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Consulting Services </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/ai-advanced-analytics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7436">AI & advanced analytics</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/consumer-engagement-loyalty" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4806">Consumer engagement & loyalty</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/cyber-enterprise-risk" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4726">Cyber & enterprise risk</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/data-strategy-management" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4801">Data & infrastructure</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/economics" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7076">Economic consulting</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/future-tech" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/7931">Future tech</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/payments" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4811">Payments</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/sustainability-financial-inclusion" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/5051">Sustainability & financial inclusion</a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors/implementation-services" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4791">Implementation Services</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/digital-labs" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4991">Innovation Services</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/capabilities/marketing-services" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/391">Marketing Services</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/advisors" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/396">See all advisors services</a></li></ul></div></div><div slot="mc-multi-column-nav--right-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl" ><div>Featured articles</div> </mc-title></div><div class="mc-multi-column-nav__content featured-articles-container"><div class="paragraph--article-card"><mds-article-card summary="The luxury retail marketer’s guide to customer loyalty<br />" article-card-title="Blog" url="/en/advisors/consumer-engagement-loyalty-consulting/insights/luxury-retail-marketers-guide-customer" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/CS241234-Illustrations-for-luxury-retail_Teaser_Image_2.png.webp" alt="Woman shopping in retail looking at clothes teaser" loading="lazy" > </picture></mds-article-card></div><div class="paragraph--article-card"><mds-article-card summary="Expert tips for reducing retail shrink" article-card-title="Blog" url="/en/industries/retail/insights/expert-tips-reducing-retail-shrink" variant="featured" white-text > <picture slot="mcs-article-card--image"> <source srcset="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Retail%20Blog%20Creatives_Shrink_668X500.png.webp" alt="Retail Blog Creatives_Shrink_668X500" loading="lazy" > </picture></mds-article-card></div></div></div><div slot="mc-multi-column-nav--promo-panel"> <mc-promo-panel> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/NGO1.png.webp" alt="LOYALTY & PERSONALIZATION" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/advisors/consumer-engagement-loyalty"></a><div slot="mc-callout--body">Build and sustain authentic relationships with your customers</div> <mc-button slot="mc-callout--cta" url="/en/advisors/consumer-engagement-loyalty" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > Consumer Engagement & Loyalty Consulting </mc-button></mc-callout> <mc-callout promo-panel body-font-size="base" slot="mc-promo-panel--cards" class="promo-panel-card"> <img src="/sites/default/files/styles/image_process_webp/public/mc_icons_banking_orng_contactless_payment_turnstile-1.png.webp" alt="" slot="mc-callout--image" loading="lazy" /> <a slot="mc-callout--title" href="/en/advisors/payments"></a><div slot="mc-callout--body">Future-proof your payments business with consulting support on strategy to implementation</div> <mc-button slot="mc-callout--cta" url="/en/advisors/payments" variant="link" size="medium-small" text-color="neutral-white" svg-name="arrow-icon" target="_self" button-color="light" text-align="left" icon-size="medium" icon-position="right" aria-disabled="false" arrow="false" > Payments Consulting </mc-button></mc-callout> </mc-promo-panel></div> </mc-multi-column-nav> </mc-primary-nav-menu-block></div></li><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link"> Industries </button><div class="primary-nav--menu--mega-menu-dropdown flyout_panel"> <mc-primary-nav-menu-block> <mc-multi-column-nav columns="2" main-column="left" ><div slot="mc-multi-column-nav--left-col"><div class="mc-multi-column-nav__label"> <mc-title level="h3" color="neutral-gray3" text-transform="uppercase" level-size="sm-lh-xl"><div>Industries</div> </mc-title></div><div class="mc-multi-column-nav__content"><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item menu-item--expanded"> <button class="primary-nav--menu--link mc-multi-column-nav__navigation-parent"> Financial services </button><div class="mc-multi-column-nav__navigation-expanded mc-multi-column-nav__navigation-expanded--two-col"><div> <mc-title level="h4" color="neutral-white" font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Financial services </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/acquirers-and-processors" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8311">Acquirers and processors</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/commercial-banks" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4731">Commercial banking</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/retail-banking" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4736">Retail banking</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/small-business" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4766">Small business services</a></li></ul></div></div></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/consumer-packaged-goods" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/4756">Consumer goods</a></li><li 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font-weight="normal" text-transform="none" level-size="xl" primary-nav-title > Retail </mc-title><ul class="mc-multi-column-nav__links--overview mc-multi-column-nav__navigation"><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="https://www.mastercardservices.com/en/industries/drugstores-pharmacies" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent">Drugstores & pharmacies</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/fashion-specialty-retail" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/9246">Fashion & specialty retail</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a href="/en/industries/fuel-convenience" class="primary-nav--menu--link mc-multi-column-nav__navigation-parent" data-drupal-link-system-path="node/8456">Fuel & convenience</a></li><li class="primary-nav--menu--item primary-nav--menu--cta"> <a 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<mc-svg slot="mc-detail--icon" svg-name="trust"></mc-svg><div slot="mc-detail--title"><span>Loyalty </span></div><div slot="mc-detail--body"> Understand the impact of customer loyalty initiatives</div></mc-detail> <mc-detail variant="dark" url="/en/test-learn/strategies/marketing"> <mc-svg slot="mc-detail--icon" svg-name="email"></mc-svg><div slot="mc-detail--title"><span>Marketing </span></div><div slot="mc-detail--body"> Quantify the ROI of marketing investments across your media mix</div></mc-detail> <mc-detail variant="dark" url="/en/test-learn/strategies/merchandising"> <mc-svg slot="mc-detail--icon" svg-name="gift"></mc-svg><div slot="mc-detail--title"><span>Merchandising</span></div><div slot="mc-detail--body"> Adjust product offerings and space planning more effectively</div></mc-detail> <mc-detail variant="dark" url="/en/test-learn/strategies/network-strategy"> <mc-svg slot="mc-detail--icon" svg-name="network-global"></mc-svg><div slot="mc-detail--title"><span>Network 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slot="mc-detail--title"><span>Reports</span></div><div slot="mc-detail--body"> Read insights from our experts</div></mc-detail></div> </mc-tertiary-nav-popup> <mc-tertiary-nav-popup id="mc-tertiary-nav--popup-5" class="mc-tertiary-nav__popup"><div class="mc-tertiary-nav__popup-title">Mastercard Developers</div> </mc-tertiary-nav-popup></div> </mc-tertiary-nav></div></div><div class="full-breakout hero-banner"><div class="hero-banner__image-wrapper height-600"><div class="hero-banner--image"> <picture > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/test%20and%20learn%20homepage%20banner.jpg.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp_lg/public/test%20and%20learn%20homepage%20banner.jpg.webp" media="(max-width: 1280px)"> <source srcset="/sites/default/files/styles/image_process_webp_xl/public/test%20and%20learn%20homepage%20banner.jpg.webp" media="(max-width: 1920px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/test%20and%20learn%20homepage%20banner.jpg.webp" media="(max-width: 3840px)"> <img src="/sites/default/files/styles/image_process_webp/public/test%20and%20learn%20homepage%20banner.jpg.webp" alt="test and learn homepage banner" class="image image--picture" width="2880" height="1200" loading="lazy" /></picture></div></div><div class="u-site-container"><div class="hero-banner--overlay canvas-dark"><div class="grid-item col-sm-12 col-lg-12"><div class="hero-banner--content"><h1 class="hero-banner--title heading1 ">Get a faster, more accurate business analytics solution</h1><div class="hero-banner--description "><p>Mastercard Test & Learn® offers:</p><ul><li>An easy-to-use tool for custom business experiments</li><li>Tailored advice from experienced consultants</li><li>Next-level insights from proprietary Mastercard SpendingPulse™ data</li><li>5x ROI on 92% of engagements*</li></ul></div><div class="hero-banner--pardot-form"><div class="grid-item col-sm-12 col-lg-12"> <span class="btn-wrapper btn-faas btn-wrapper--pardot-modal-btn btn-wrapper--orange--light"> <a class="btn btn-orange--light pardot-modal-btn" data-id="d0339fc5-31b7-4e66-baaa-f970793df8c8" href="#" data-click-bound="true"> Book a demo </a> </span><div class="pardot-form pardot-form--has-bg-color u-bg--white 1of1 pardot-form--light pardot-modal-form" id="d0339fc5-31b7-4e66-baaa-f970793df8c8"><div class="mcds-dxp-wrapper theme-default"><div class="dxp"> <dxp-form data-drupal-default-value-ids="" api-url="https://www.mastercard.com/form-services/data/forms/d0339fc5-31b7-4e66-baaa-f970793df8c8" submit-api-url="https://www.mastercard.com/form-services/data/" button-position="left" button-type="primary" button-text="Submit" > </dxp-form></div></div></div></div></div></div></div></div></div></div><div class="full-breakout gray_15"><div class="u-site-container"><div class="component-row"><div class="row-content__wrapper"><div class="grid-item col-sm-12 col-lg-12"><div class="basic-html basic-html--primary"><div class="basic-html__inner"><div class="basic-html__content"><div class="basic-html__eyebrow">What is Mastercard Test & Learn®?</div><div class="basic-html__summary"><h2>A product suite for learning which changes truly matter</h2><p> </p></div></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/mc_icon_Broker_orng_1.png.webp" alt="TEST & LEARN® PLATFORM" class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">THE PLATFORM</div><div class="banner__summary"><p>Design and analyze hundreds of business experiments with direct access to the Mastercard Test & Learn® analytics platform.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="https://www.mastercardservices.com/en/data-networks/test-learn/product-offering/platform">Learn more</a> <i class="icon icon--right-arrow banner__icon--right-arrow"></i> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/mc_icon_Brainstorm_orng.png.webp" alt="TEST & LEARN® CONSULTING SERVICES" class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">CONSULTING SERVICES</div><div class="banner__summary"><p>Work with an experienced team of Test & Learn® consultants to optimize a distinct set of key business initiatives using business experimentation best practices.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="https://www.mastercardservices.com/en/data-networks/test-learn/product-offering/consulting-services">Learn more</a> <i class="icon icon--right-arrow banner__icon--right-arrow"></i> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/mc_icon_Spending-Check-Parameter_orng.png.webp" alt="TEST & LEARN® WITH SPENDINGPULSE™ MODELING" class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">ADDITIONAL INSIGHTS</div><div class="banner__summary"><p>Evaluate large-scale business initiatives with Test & Learn® by incorporating machine learning and proprietary Mastercard SpendingPulse™ data.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="https://www.mastercardservices.com/en/data-networks/test-learn/product-offering/spendingpulse-modeling">Learn more</a> <i class="icon icon--right-arrow banner__icon--right-arrow"></i> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-3"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/Deivce%20group%20icon_0.png.webp" alt="Test & Learn® Media Measurement icon" class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Media Measurement</div><div class="banner__summary"><p>Measure the true omnichannel impact of advertising using a privacy-centric approach with Test & Learn® Media Measurement.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="https://www.mastercardservices.com/en/capabilities/test-learn/what-we-do/test-learn-media-measurement">Learn more</a> <i class="icon icon--right-arrow banner__icon--right-arrow"></i> </span></div></div></div></div></div></div></div></div><div class="full-breakout gray_1"><div class="u-site-container"><div class="component-row"><div class="row-content__wrapper"><div class="grid-item col-sm-12 col-lg-12"><div class="basic-html basic-html--primary"><div class="basic-html__inner"><div class="basic-html__content"><div class="basic-html__eyebrow">What can Mastercard Test & Learn® improve?</div><div class="basic-html__summary"><h2>Business analytics software for your key challenges</h2><p>Mastercard Test & Learn® empowers you to optimize critical initiatives across your business.</p></div></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/mc_icon_Training_orng_1.png.webp" alt="Labor & Operations" class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Labor & Operations</div><div class="banner__summary"><p>Improve workforce strategies and operational investments.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="https://www.mastercardservices.com/en/data-networks/test-learn/strategies/labor-operations">Learn more</a> <i class="icon icon--right-arrow banner__icon--right-arrow"></i> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/mc_icon_Heart-Wish-List_orng_0.png.webp" alt="Loyalty " class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Loyalty</div><div class="banner__summary"><p>Understand the impact of customer loyalty initiatives.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="https://www.mastercardservices.com/en/data-networks/test-learn/strategies/loyalty">Learn more</a> <i class="icon icon--right-arrow banner__icon--right-arrow"></i> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/mc_icon_Email-Broadcast_orng.png.webp" alt="marketing" class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Marketing</div><div class="banner__summary"><p>Quantify the ROI of marketing investments across your media mix.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="https://www.mastercardservices.com/en/data-networks/test-learn/strategies/marketing">Learn more</a> <i class="icon icon--right-arrow banner__icon--right-arrow"></i> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/mc_icon_Consumer-Purchasing-Cart-Add_orng.png.webp" alt="Merchandising" class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Merchandising</div><div class="banner__summary"><p>Adjust product offerings and space planning more effectively.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="https://www.mastercardservices.com/en/data-networks/test-learn/strategies/merchandising">Learn more</a> <i class="icon icon--right-arrow banner__icon--right-arrow"></i> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/mc_icon_Merchant-1_orng_0.png.webp" alt="Network Strategy" class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Network Strategy</div><div class="banner__summary"><p>Evaluate capital expenditures and network decisions.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="https://www.mastercardservices.com/en/data-networks/test-learn/strategies/network-strategy">Learn more</a> <i class="icon icon--right-arrow banner__icon--right-arrow"></i> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-4"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/mc_icon_Retail-3_orng.png.webp" alt="pricing" class="image image--primary" width="80" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Pricing</div><div class="banner__summary"><p>Determine optimal pricing strategies.</p></div> <span class="btn-inline-wrapper"> <a class="banner__cta" href="https://www.mastercardservices.com/en/data-networks/test-learn/strategies/pricing">Learn more</a> <i class="icon icon--right-arrow banner__icon--right-arrow"></i> </span></div></div></div></div></div></div></div></div><div class="full-breakout gray_15"><div class="u-site-container"><div class="component-row"><div class="row-content__wrapper"><div class="grid-item col-sm-12 col-lg-12"><div class="basic-html basic-html--primary"><div class="basic-html__inner"><div class="basic-html__content"><div class="basic-html__eyebrow">How Mastercard Test & Learn® has helped others</div><div class="basic-html__summary"><h2>92% have seen 5x ROI. Are you next?</h2><p><br>A Frost & Sullivan analysis of over 230 Test & Learn® initiatives showed Test & Learn® generates at least 5X ROI for 92% of engagements. Our product, formerly APT Test & Learn®, has helped hundreds of leading organizations make critical business decisions for decades.</p></div></div></div></div></div><div class="grid-item col-sm-12 col-lg-6"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/subway-logo-black-and-white.png.webp" alt="Subway $5 Footlong sandwich" class="image image--primary" width="288" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">Subway</div><div class="banner__summary"><p>Subway’s $5 Footlong was almost slashed due to a trial showing that increased sales didn't offset the price decrease. But Test & Learn® showed that Footlong customers were frequently adding items like chips and drinks, boosting overall profits.</p></div> </span></div></div></div></div><div class="grid-item col-sm-12 col-lg-6"><div class="banner banner--inline banner--ratio-icon"><div class="banner__inner"><div class="banner__image"> <img src="/sites/default/files/styles/banner_icon/public/7eleven-logo.png.webp" alt="7-Eleven New store concept" class="image image--primary" width="77" height="80" loading="lazy" /></div><div class="banner__content"><div class="banner__eyebrow">7-Eleven Australia</div><div class="banner__summary"><p>We recently worked with 7-Eleven in Australia, using our Test & Learn® capabilities to support the rollout of new store concepts and evolve its food and beverage offerings.</p></div> </span></div></div></div></div></div></div></div></div><div class="full-breakout gray_2"><div class="u-site-container full_width"><div class="component-row"><div class="row-content__wrapper"><div class="grid-item col-sm-12 col-lg-12"><div class="basic-html basic-html--primary"><div class="basic-html__inner"><div class="basic-html__content"><div class="basic-html__summary"><h2>Frequently asked questions</h2><dl class="ckeditor-accordion"><dt>What is Mastercard Test & Learn®?</dt><dd><p>Mastercard Test & Learn® is a business analytics solution comprised of multiple product offerings:</p><ul><li>The analytics platform</li><li>Business experimentation consulting services</li><li>Additional insights available via proprietary Mastercard SpendingPulse™ data.</li></ul></dd><dt>What is APT Test & Learn®?</dt><dd><p>Prior to 2015, Mastercard Test & Learn® was called Applied Predictive Technologies (APT) Test & Learn®.</p></dd><dt>What does Mastercard Test & Learn® do?</dt><dd><p>Mastercard Test & Learn® helps companies run business experiments to better understand customer behavior, optimize pricing models, refine promotion strategies, and more. </p><p>The platform uses predictive analytics, machine learning, and other data analytics methodologies to analyze datasets and recommend actions for improvement.</p><p class="MsoNormal"><a href="https://www.mastercardservices.com/en/test-learn/what-we-do/test-learn-platform">Learn more about the platform.</a><o:p></o:p></p></dd><dt>Is this an A/B testing tool?</dt><dd><p>Our business intelligence suite includes the Mastercard Test & Learn® platform, business experimentation consulting, and additional insights with proprietary Mastercard SpendingPulse™ data.</p></dd><dt>What is the test and learn process or strategy?</dt><dd><p>Get more information about the test and learn process in our <a href="https://www.mastercardservices.com/en/advisors/consumer-engagement-loyalty/insights/essential-guide-business-experimentation">Essential Guide to Business Experimentation</a>.</p></dd><dt>What questions can Mastercard Test & Learn® answer?</dt><dd><p>Business analytics solutions like Mastercard Test & Learn® can help companies answer questions such as:</p><ul style="list-style-type:disc;"><li class="MsoListParagraphCxSpFirst" style="mso-list:l0 level1 lfo1;">Which aspects of our initiative had the most impact?<o:p></o:p></li><li class="MsoListParagraphCxSpMiddle" style="mso-list:l0 level1 lfo1;">Which customers or markets would respond best to this initiative?<o:p></o:p></li><li class="MsoListParagraphCxSpMiddle" style="mso-list:l0 level1 lfo1;">How can we target a rollout to maximize ROI?<o:p></o:p></li><li class="MsoListParagraphCxSpMiddle" style="mso-list:l0 level1 lfo1;">Do we make more money when we lower our prices? <o:p></o:p></li><li class="MsoListParagraphCxSpMiddle" style="mso-list:l0 level1 lfo1;">What is the true incremental impact of a remodel?<o:p></o:p></li><li class="MsoListParagraphCxSpLast" style="mso-list:l0 level1 lfo1;">How can we improve promotions?<o:p></o:p></li></ul></dd><dt>Will Mastercard Test & Learn® work in my industry?</dt><dd><p>Our product offerings are optimized for a diverse range of data analytics needs across industries:</p><ul style="list-style-type:disc;"><li class="MsoListParagraphCxSpFirst" style="mso-list:l0 level1 lfo1;"><a href="https://www.mastercardservices.com/en/test-learn/who-we-serve/cpgs">Consumer Packaged Goods (CPGs)</a><o:p></o:p></li><li class="MsoListParagraphCxSpMiddle" style="mso-list:l0 level1 lfo1;"><a href="https://www.mastercardservices.com/en/test-learn/who-we-serve/financial-institutions">Financial institutions</a><o:p></o:p></li><li class="MsoListParagraphCxSpMiddle" style="mso-list:l0 level1 lfo1;"><a href="https://www.mastercardservices.com/en/test-learn/who-we-serve/insurance-carriers">Insurance carriers</a><o:p></o:p></li><li class="MsoListParagraphCxSpMiddle" style="mso-list:l0 level1 lfo1;"><a href="https://www.mastercardservices.com/en/test-learn/who-we-serve/restaurants">Restaurants</a><o:p></o:p></li><li class="MsoListParagraphCxSpMiddle" style="mso-list:l0 level1 lfo1;"><a href="https://www.mastercardservices.com/en/test-learn/who-we-serve/retail">Retail</a><o:p></o:p></li><li class="MsoListParagraphCxSpMiddle" style="mso-list:l0 level1 lfo1;"><a href="https://www.mastercardservices.com/en/test-learn/who-we-serve/telecommunications">Telecommunications</a><o:p></o:p></li><li class="MsoListParagraphCxSpLast" style="mso-list:l0 level1 lfo1;"><a href="https://www.mastercardservices.com/en/test-learn/who-we-serve/travel">Travel</a><o:p></o:p></li></ul></dd><dt>What happened to Applied Predictive Technologies (APT)?</dt><dd><p class="MsoNormal">Applied Predictive Technologies (APT) was acquired by Mastercard in 2015.<o:p></o:p></p></dd></dl></div></div></div></div></div></div></div></div></div><div class="full-breakout banner-wrapper canvas-default"><div class="grid-item col-sm-12 col-lg-12"><div class="banner banner--no-overlay banner--ratio-landscape_4_3"><div class="banner__inner min-height-300"><div class="banner__image"> <picture > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/interested%20banner.png.webp" media="(max-width: 768px)"> <source srcset="/sites/default/files/styles/image_process_webp_lg/public/interested%20banner.png.webp" media="(max-width: 1280px)"> <source srcset="/sites/default/files/styles/image_process_webp/public/interested%20banner.png.webp" media="(max-width: 1920px)"> <img src="/sites/default/files/styles/image_process_webp/public/interested%20banner.png.webp" alt="interested test and learn" class="image image--picture" width="1440" height="300" loading="lazy" /></picture></div><div class="banner__content"><div class="banner__summary"><h2>Need clearer insights faster?</h2><p>Speak with our team to understand how Mastercard<br>Test & Learn® can improve your data-driven decision making.</p></div> </span><div class="grid-item col-sm-12 col-lg-12"> <span class="btn-wrapper btn-faas btn-wrapper--pardot-modal-btn btn-wrapper--white"> <a class="btn btn-white pardot-modal-btn" data-id="d0339fc5-31b7-4e66-baaa-f970793df8c8" href="#" data-click-bound="true"> Book a demo </a> </span><div class="pardot-form pardot-form--has-bg-color u-bg--white 1of1 pardot-form--light pardot-modal-form" id="d0339fc5-31b7-4e66-baaa-f970793df8c8"><div class="mcds-dxp-wrapper theme-default"><div class="dxp"> <dxp-form data-drupal-default-value-ids="" api-url="https://www.mastercard.com/form-services/data/forms/d0339fc5-31b7-4e66-baaa-f970793df8c8" submit-api-url="https://www.mastercard.com/form-services/data/" button-position="left" button-type="primary" button-text="Submit" > </dxp-form></div></div></div></div></div></div></div></div></div><div class="full-breakout gray_5"><div class="u-site-container"><div class="component-row"><div class="row-content__wrapper"><div class="grid-item col-sm-12 col-lg-12"><div class="basic-html basic-html--primary"><div class="basic-html__inner"><div class="basic-html__content"><div class="basic-html__summary"><h2>Related resources</h2></div></div></div></div></div><div class="side-by-side-container u-site-container"> <outline-grid gap-size="medium" is-nested="" container-align="center"> <outline-column content-align="top" col-span-default="12" row-span="1"> <mc-side-by-side cta-text="Learn more" cta-url="https://www.mastercardservices.com/en/advisors/consumer-engagement-loyalty/insights/maximizing-promotion-strategy-business" background-color="gray5Point5" margin-top > <picture slot=mc-side-by-side--media > <source srcset="/sites/default/files/styles/image_process_webp_mobile/public/CS231192%20hero%20image%20668%20x%20500%20option1.jpg.webp" media="(max-width: 3840px)"> <img src="/sites/default/files/styles/image_process_webp/public/CS231192%20hero%20image%20668%20x%20500%20option1.jpg.webp" alt="business experimentation teaser" class="image image--picture" width="2783" height="2083" loading="lazy" /></picture> <mc-title level="h3" color="mc-side-by-side-text-color" text-transform="none" level-size="4xl" font-weight="mediumlight" slot="mc-side-by-side--title"> Maximizing promotion strategy with business experimentation </mc-title><div slot="mc-side-by-side--description"> <outline-styled-text> </outline-styled-text></div><div slot="mc-side-by-side--eyebrow"></div> </mc-side-by-side> </outline-column> </outline-grid></div><div class="grid-item col-sm-12 col-lg-12"><div class="content-reference"><div class="content-reference__inner"><div class="content-reference__content"><div class="content-reference__items items-row-3"><div class="reference-teaser reference-teaser__expertise"><div class="reference-teaser__inner"> <picture > <source srcset="/sites/default/files/styles/image_process_webp/public/B2B_DataDrivenLoyalty_Q4_2022_Thumbnail%20%282%29.jpg.webp" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/B2B_DataDrivenLoyalty_Q4_2022_Thumbnail%20%282%29.jpg.webp" alt="loyalty experimentation_teaser image" class="image image--picture" width="668" height="500" loading="lazy" /></picture><div class="reference-teaser__text"><div class="reference-teaser__eyebrow"> Report</div><h5 class="reference-teaser__title"><a href="/en/advisors/consumer-engagement-loyalty-consulting/insights/retailers-guide-loyalty-experimentation"><span>The retailer's guide to loyalty experimentation </span></a></h5><p class="reference-teaser__description">Digital advertisements, personalization tactics and loyalty programs can be critical performance drivers. By using business experimentation, retailers can take these initiatives to the next level with more accurate measurement and optimization capabilities.</p><div class="reference-teaser__url"> <span class="btn-inline-wrapper"> <a href="/en/advisors/consumer-engagement-loyalty-consulting/insights/retailers-guide-loyalty-experimentation" class="reference-teaser__link">Read more</a> <i class="icon icon--right-arrow reference-teaser__icon--right-arrow"></i> </span></div></div></div></div><div class="reference-teaser reference-teaser__expertise"><div class="reference-teaser__inner"> <picture > <source srcset="/sites/default/files/styles/image_process_webp/public/Mastercard_Banking_s_Next_Experiment_August_2021_tile.jpg.webp" media="(max-width: 768px)"> <img src="/sites/default/files/styles/image_process_webp/public/Mastercard_Banking_s_Next_Experiment_August_2021_tile.jpg.webp" alt="bankings next experiment tile" class="image image--picture" width="668" height="500" loading="lazy" /></picture><div class="reference-teaser__text"><div class="reference-teaser__eyebrow"> Report</div><h5 class="reference-teaser__title"><a href="/en/advisors/data-infrastructure-consulting/insights/bankings-next-experiment-innovation-digital-post"><span>Banking's Next Experiment: Innovation in a Digital, Post-Covid World </span></a></h5><p class="reference-teaser__description">Learn how financial institutions are testing new ways to reach and engage today’s banking consumer, and how they’re applying those results.</p><div class="reference-teaser__url"> <span class="btn-inline-wrapper"> <a href="/en/advisors/data-infrastructure-consulting/insights/bankings-next-experiment-innovation-digital-post" class="reference-teaser__link">Read more</a> <i class="icon icon--right-arrow reference-teaser__icon--right-arrow"></i> </span></div></div></div></div><div class="reference-teaser reference-teaser__expertise"><div class="reference-teaser__inner"> <picture > <source 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