Digital Experiments

Digital experiments are interventions in the current business, awareness, or communication strategies governing digital financial services. To ensure that strategic or development decisions are as well-informed as possible, it is critical to put our claims and theories to the test before making those decisions. JoPACC conducts surveys, and observational and experimental studies in partnership with providers of digital financial services, aiming to achieve the major goal of promoting digital financial inclusion and digital financial services. JoPACC produces lessons learned from experiments, provides recommendations to the financial sector, and spreads these educational results to the public for shared benefit.

The ultimate aim of Digital Experiments is to extract and disseminate knowledge derived from the market, to reverse this drift between the service provider and the consumer, in the hopes of the former offering products and services that will better meet the needs of the latter. This leads to promoting digital financial services and achieving financial inclusion.

Digital Experiments are implemented with several partners each time who agree on the scope of the intervention and contribute to its execution over a set period of time. All experiments entail monitoring the impact of the intervention by tracking the user behavior pre, during, and post-intervention, analyzing the results, and publishing the recommendations and findings to sector players and the general public. All interventions are focused on the offering of digital financial services through the various payment systems owned and operated by JoPACC. The experiments target a different society segment each time, from women, youth, and specific service users to refugees, and stretch over different geographical locations in Jordan. The duration of an experiment can range from at least four months to ten months.