Applied Predictive Technologies

The world's leading cloud-based test-and-learn analytics platform for Global 2000 companies -- now Mastercard Test & Learn.

Data & Analytics Established Acquired

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Overview

Applied Predictive Technologies (APT) is an American cloud-based analytics software company founded in December 1999 by former Oliver Wyman and McKinsey consultants. The company pioneered a test-and-learn approach to business analytics that enables Global 2000 organizations to design controlled in-market experiments, isolate causal impact from confounding variables, and measure the true financial effect of business initiatives before committing to full-scale rollout.

APT's flagship Test & Learn platform uses proprietary matching algorithms to identify statistically valid control groups from existing business locations or customer segments. This allows companies to run randomized controlled experiments on real-world business data -- evaluating the ROI of pricing changes, new product launches, marketing campaigns, operational improvements, and capital investments with rigorous statistical confidence. An independent Frost & Sullivan analysis of over 230 Test & Learn engagements found that 92% generated at least 5x ROI.

In 2015, Mastercard acquired APT for USD 600 million, integrating the platform into its Data & Services division. The product now operates as Mastercard Test & Learn and incorporates Mastercard's proprietary SpendingPulse data and machine learning models. APT maintains global offices in Washington DC, San Francisco, London, Bentonville, Taipei, Tokyo, Sydney, and Chicago, serving clients across insurance, financial services, retail, restaurants, CPG, telecommunications, and travel.

Products & Services

Test & Learn (Mastercard Test & Learn)

The core platform that enables organizations to design, execute, and analyze hundreds of custom in-market business experiments. It identifies matched control groups from existing data, isolates causal effects, and quantifies the financial impact of initiatives across labor and operations, loyalty programs, marketing, merchandising, network strategy, and pricing.

Key Features

Proprietary matching algorithm for control group identification from business locations or customer segments
Designed for experiments across hundreds of simultaneous initiatives
Statistical significance reporting and confidence intervals
Multi-patented analytic technology (patent granted February 2011)
Integration with Mastercard SpendingPulse consumer spending data
Claims management optimization -- testing changes to claims handling procedures, settlement thresholds, and TPA performance
Distribution channel effectiveness -- measuring impact of agent incentive programs and channel mix changes
Operational efficiency testing -- evaluating staffing models, office configurations, and process changes
Product launch evaluation -- testing new coverage options or pricing structures against control markets before full rollout

Target Users: Insurance carriers, financial institutions, retail chains, restaurants, CPG companies, telecommunications operators

Consulting Services

APT provides experienced analytics consultants who work alongside client teams to design experiments, interpret results, and translate findings into actionable business decisions. Consulting practice areas include AI and advanced analytics, consumer engagement and loyalty, cyber and enterprise risk, data and infrastructure, economics, future tech, payments, and sustainability.

Key Features

Experiment design advisory
Results interpretation and business case development
Best-practice knowledge transfer from cross-industry experimentation

SpendingPulse Modeling

A post-acquisition capability that incorporates Mastercard's proprietary anonymized consumer spending data and machine learning to evaluate large-scale initiatives where in-market experiments may not be feasible.

Key Features

Omnichannel advertising impact measurement via Media Measurement
Location spend insights and data analytics
Large-scale initiative evaluation using macro spending signals
Privacy-centric methodology

At a Glance

Founded: 1999
Headquarters: Arlington, Virginia, USA
Employees: 501-1000
Funding: Acquired

Category & Focus

Category: Data & Analytics
Subcategories: Business experimentation predictive analytics causal inference marketing analytics ROI measurement
Insurance Verticals: P&C Personal P&C Commercial Health Life & Annuity
Target Customers: Carriers