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Test & Learn for Sites™

APT’s Test & Learn for Sites™ enables retail banks to accurately understand the impact of new ideas and tailor them to maximize profits. Test & Learn for Sites™ is the most advanced turnkey test management solution that helps organizations efficiently design, execute, and analyze a variety of strategic and tactical programs. Banks that have institutionalized Test & Learn™ to rapidly and accurately evaluate high-potential ideas generate millions of dollar in incremental profits.

The APT Value Creation

The successful application of the Test & Learn for Sites™ capability to rapidly and accurately evaluate high-potential ideas throughout the organization is worth tens of millions of dollars to retail banks. Test & Learn for Sites™ enables retail banking executives to answer specific questions about any idea or initiative prior to rollout, such as:

What impact will this idea have on my results – revenues, balances, new account generation, market share, etc.?

Test & Learn for Sites™ enables banks to evaluate new ideas with low-cost, low-risk, in-market tests. These ideas span the enterprise, from marketing and pricing, to operations and HR, to investments in capital improvements. For each of these program areas, Test & Learn for Sites™ allows leading retail banks to run multiple tests at once and yields rapid, reliable answers that drive consumer insight and long-term corporate value.


Will the idea have a larger impact on some branches than others? What is the predicted impact by branch and by market, and can I design a rollout program that maximizes returns?

Test & Learn for Sites™ allows executives to quantify the impact of new initiatives by region and segment. Using Test & Learn for Sites™, companies can:

  • Predict which capital expenditure will be most successful in which branches
  • Determine the optimal staffing level at each branch
  • Identify the best surcharge amount for each ATM
  • Determine where and when to extend hours
  • Decide where to add relationship managers or teller staff 
  • Specify which operational shortfalls are creating performance gaps
  • Identify which marketing programs work best and which branches/markets respond best

What value is created by the individual components of the idea? Can the idea be engineered before rollout to maximize its value?

Test & Learn for Sites™ uses built-in pattern recognition and optimization technology to automatically seek out segmentation and targeting opportunities in order to maximize the ROI of any action. It is built on the reality that most new business ideas are neither all success nor all failure — they tend to work well in certain situations but may not in others. In each analysis, the APT software automatically examines every element of data available about each branch, identifies the profile of the most successful branches, and highlights other branches that fit this profile.


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