Industry perspectives, strategies, and updates from Advocate Cobrand Consulting covering cobrand cards, loyalty, underwriting, and program economics.
The CFPB's move to reopen research into credit card late fees may look like a footnote — but brand partners who aren't prepared could find themselves reacting to volatility rather than managing through it.
Why grocery cobrand programs remain underdeveloped, and what it will take to unlock one of the category’s biggest opportunities.
Why Gen Z is embracing BNPL over credit cards, and how brands can design cobrand programs that win their loyalty.
Exploring the shift toward second-look and dual-path underwriting models in cobrand programs.
A deep dive into the economics of credit card P&Ls and the market forces driving interest rates.
Exploring the critical importance of independently questioning, testing, and validating assumptions in brand partnerships.
A skeptical and independent analysis of AI-generated predictions for the future of cobrand programs.
An analysis of the new Gap Encore Mastercard and its evolution of Gap Inc.’s loyalty ecosystem.