--- title: knowledge-center description: Get insights into the world of consumer financing and discover the latest trends, practices, and strategies to take your business to the next level. --- ## Knowledge Center ## We're here to help you Do More with credit. ### Expert Insights on Consumer Financing for Merchants Get valuable insights into the world of consumer financing and discover the latest trends, best practices, and strategies to take your business to the next level. Filter by tag All consumer Finance This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. [![page preview of non-prime opportunity index report](https://about.concoracredit.com/hubfs/Non-Prime%20Opportunity%20Page%20Mock-Up.png)](https://about.concoracredit.com/blog/2026-non-prime-opportunity-index) #### [2026 Non-Prime Opportunity Index](https://about.concoracredit.com/blog/2026-non-prime-opportunity-index) A new report on the behaviors shaping everyday spending and what they mean for retail, payments, and... [Continue Reading](https://about.concoracredit.com/blog/2026-non-prime-opportunity-index) [![](https://about.concoracredit.com/hubfs/AdobeStock_422330420%20(1).jpeg)](https://about.concoracredit.com/blog/retailers-must-bring-instant-gratification-to-payments-and-loyalty-programs) #### [Retailers Must Bring Instant Gratification to Payments and Loyalty Programs](https://about.concoracredit.com/blog/retailers-must-bring-instant-gratification-to-payments-and-loyalty-programs) Consumer expectations are shifting toward instant gratification. Learn how brands can evolve their o... [Continue Reading](https://about.concoracredit.com/blog/retailers-must-bring-instant-gratification-to-payments-and-loyalty-programs) [![](https://about.concoracredit.com/hubfs/AdobeStock_537494552%20(1).jpeg)](https://about.concoracredit.com/blog/beyond-the-swipe-building-loyalty-through-the-credit-lifecycle) #### [Beyond the swipe: Building loyalty through the credit lifecycle](https://about.concoracredit.com/blog/beyond-the-swipe-building-loyalty-through-the-credit-lifecycle) Learn how co-branded credit can support long-term loyalty and customer lifetime value through smart ... [Continue Reading](https://about.concoracredit.com/blog/beyond-the-swipe-building-loyalty-through-the-credit-lifecycle) [![](https://about.concoracredit.com/hubfs/AdobeStock_342278803%20(1).jpeg)](https://about.concoracredit.com/blog/why-empathy-is-credits-last-competitive-edge) #### [Why Empathy Is Credit’s Last Competitive Edge](https://about.concoracredit.com/blog/why-empathy-is-credits-last-competitive-edge) Learn how three interconnected pillars of customer success protect brand trust and drive the continu... [Continue Reading](https://about.concoracredit.com/blog/why-empathy-is-credits-last-competitive-edge) [![](https://about.concoracredit.com/hubfs/AdobeStock_540624504%20(1).jpeg)](https://about.concoracredit.com/blog/lenders-fight-fraud-and-find-borrowers-with-alternative-data) #### [Lenders Fight Fraud and Find Borrowers With Alternative Data](https://about.concoracredit.com/blog/lenders-fight-fraud-and-find-borrowers-with-alternative-data) Kyle Becker of Concora Credit discusses how a shift to alternative data is reshaping risk models and... [Continue Reading](https://about.concoracredit.com/blog/lenders-fight-fraud-and-find-borrowers-with-alternative-data) [![](https://about.concoracredit.com/hubfs/AdobeStock_1354033929_v2social_Lenders%20Turn%20Perks%20Into%20Power%20for%20Subprime%20Customers%20copy.jpeg)](https://about.concoracredit.com/blog/lenders-turn-perks-into-power-for-subprime-customers) #### [Lenders Turn Perks Into Power for Subprime Customers](https://about.concoracredit.com/blog/lenders-turn-perks-into-power-for-subprime-customers) Learn how to market non-prime credit offers to build trust, boost adoption, and drive loyalty—whethe... [Continue Reading](https://about.concoracredit.com/blog/lenders-turn-perks-into-power-for-subprime-customers) [![](https://about.concoracredit.com/hubfs/AdobeStock_610174291_The%20Loyalty%20Power%20of%20Non-Prime%20Co-brand%20in%20a%20Cautious%20Consumer%20Environment.jpeg)](https://about.concoracredit.com/blog/the-loyalty-power-of-non-prime-co-brand-in-a-cautious-consumer-environment) #### [The Loyalty Power of Non-Prime Co-brand in a Cautious Consumer Environment](https://about.concoracredit.com/blog/the-loyalty-power-of-non-prime-co-brand-in-a-cautious-consumer-environment) When AOV drops, growth comes from repeat customers. See how non-prime co-brand cards boost return vi... [Continue Reading](https://about.concoracredit.com/blog/the-loyalty-power-of-non-prime-co-brand-in-a-cautious-consumer-environment) [![](https://about.concoracredit.com/hubfs/AdobeStock_361057837%20(1).jpeg)](https://about.concoracredit.com/blog/retailers-tap-non-prime-customers-and-co-branded-credit-to-boost-loyalty) #### [Retailers Tap Non-Prime Customers and Co-Branded Credit to Boost Loyalty](https://about.concoracredit.com/blog/retailers-tap-non-prime-customers-and-co-branded-credit-to-boost-loyalty) As co-brand credit programs face saturation, non-prime solutions offer fresh growth. See why expandi... [Continue Reading](https://about.concoracredit.com/blog/retailers-tap-non-prime-customers-and-co-branded-credit-to-boost-loyalty) [![](https://about.concoracredit.com/hubfs/Asian%20girl%20making%20online%20payment%20using%20laptop%20for%20shopping%20at%20home.jpeg)](https://about.concoracredit.com/blog/co-branded-credit-and-the-next-phase-of-customer-loyalty) #### [Co-Branded Credit and the Next Phase of Customer Loyalty](https://about.concoracredit.com/blog/co-branded-credit-and-the-next-phase-of-customer-loyalty) This detailed playbook explores how offering credit products for a range of customer profiles can st... [Continue Reading](https://about.concoracredit.com/blog/co-branded-credit-and-the-next-phase-of-customer-loyalty) [![](https://about.concoracredit.com/hubfs/AdobeStock_480731166_Loyalty%20Starts%20With%20Credit%20for%20Subprime%20Consumers.jpeg)](https://about.concoracredit.com/blog/loyalty-starts-with-credit-for-subprime-consumers) #### [Loyalty Starts With Credit for Subprime Consumers](https://about.concoracredit.com/blog/loyalty-starts-with-credit-for-subprime-consumers) Credit access is loyalty’s foundation for non-prime consumers. See how tailored programs expand oppo... [Continue Reading](https://about.concoracredit.com/blog/loyalty-starts-with-credit-for-subprime-consumers) [![](https://about.concoracredit.com/hubfs/AdobeStock_153509466%202.jpeg)](https://about.concoracredit.com/blog/how-frontline-feedback-fuels-customer-centered-innovation) #### [How Frontline Feedback Fuels Customer-Centered Innovation](https://about.concoracredit.com/blog/how-frontline-feedback-fuels-customer-centered-innovation) Customer feedback isn't just commentary to be collected—it should spark action. Learn how it can hel... [Continue Reading](https://about.concoracredit.com/blog/how-frontline-feedback-fuels-customer-centered-innovation) [![](https://about.concoracredit.com/hubfs/Knowledge%20Center/AdobeStock_346161861_CashbackRewards.jpeg)](https://about.concoracredit.com/blog/co-branded-cards-become-merchants-best-bet) #### [Co-Branded Cards Become Merchants Best Bet](https://about.concoracredit.com/blog/co-branded-cards-become-merchants-best-bet) Co-branded credit cards are having a moment, but merchants should follow this one rule to win with c... [Continue Reading](https://about.concoracredit.com/blog/co-branded-cards-become-merchants-best-bet) [![](https://about.concoracredit.com/hubfs/AdobeStock_534525595.jpeg)](https://about.concoracredit.com/blog/the-rising-value-of-non-prime-cobrand-credit-cards) #### [The Rising Value of Non-Prime Cobrand Credit Cards](https://about.concoracredit.com/blog/the-rising-value-of-non-prime-cobrand-credit-cards) See how nonprime co-brand cards help consumers build credit, enjoy perks, and gain flexibility—while... [Continue Reading](https://about.concoracredit.com/blog/the-rising-value-of-non-prime-cobrand-credit-cards) [![](https://about.concoracredit.com/hubfs/2024-consumer-survey-hero.jpeg)](https://about.concoracredit.com/blog/how-non-prime-consumers-view-credit-opportunities-at-checkout) #### [How Non-Prime Consumers View Credit Opportunities at Checkout](https://about.concoracredit.com/blog/how-non-prime-consumers-view-credit-opportunities-at-checkout) Download the full report to learn how the non-prime customer feels about credit offers at the point-... [Continue Reading](https://about.concoracredit.com/blog/how-non-prime-consumers-view-credit-opportunities-at-checkout) [![](https://about.concoracredit.com/hubfs/AdobeStock_523075987_How%20Retailers%20Can%20Drive%20More%20Sales%20by%20Meeting%20the%20Financing%20Needs%20of%20More%20Customers.jpeg)](https://about.concoracredit.com/blog/how-retailers-can-drive-more-sales-by-meeting-the-financing-needs-of-more-customers) #### [How Retailers Can Drive More Sales by Meeting the Financing Needs of More Customers](https://about.concoracredit.com/blog/how-retailers-can-drive-more-sales-by-meeting-the-financing-needs-of-more-customers) Interest rate pressures are tightening approvals—learn how second-look credit solutions help retaile... [Continue Reading](https://about.concoracredit.com/blog/how-retailers-can-drive-more-sales-by-meeting-the-financing-needs-of-more-customers) [![](https://about.concoracredit.com/hubfs/feature_wallpaper.jpg)](https://about.concoracredit.com/blog/retailers_guide_to_second-look_financing) #### [A Retailer’s Guide to Second-Look Financing](https://about.concoracredit.com/blog/retailers_guide_to_second-look_financing) Discover how retailers can drive sales in a tight economy with second-look financing solutions tailo... [Continue Reading](https://about.concoracredit.com/blog/retailers_guide_to_second-look_financing) [![](https://about.concoracredit.com/hubfs/AdobeStock_300144034-300x175.jpeg)](https://about.concoracredit.com/blog/how-to-boost-your-approval-rates-and-minimize-declines-in-consumer-financing) #### [How To Boost Your Approval Rates And Minimize Declines In Consumer Financing](https://about.concoracredit.com/blog/how-to-boost-your-approval-rates-and-minimize-declines-in-consumer-financing) Discover expert strategies to boost approval rates and reduce declines in consumer financing. [Continue Reading](https://about.concoracredit.com/blog/how-to-boost-your-approval-rates-and-minimize-declines-in-consumer-financing) [![](https://about.concoracredit.com/hubfs/AdobeStock_457664685_v2-Social_Understanding%20the%20Near-Prime%20Consumer%20copy.jpeg)](https://about.concoracredit.com/blog/understanding-near-prime-consumers-and-their-credit-needs) #### [Understanding Near-Prime Consumers and Their Credit Needs](https://about.concoracredit.com/blog/understanding-near-prime-consumers-and-their-credit-needs) Learn about near-prime consumers, their credit needs, and how brands can successfully target this ev... [Continue Reading](https://about.concoracredit.com/blog/understanding-near-prime-consumers-and-their-credit-needs) [![](https://about.concoracredit.com/hubfs/feature_secondlook%2011.58.20%20AM.png)](https://about.concoracredit.com/blog/how-second-look-financing-can-help-merchants) #### [How Second-Look Financing Can Help Merchants Grow and Stay Competitive](https://about.concoracredit.com/blog/how-second-look-financing-can-help-merchants) Second-look financing explained: what it is, why it’s important, and how it helps brands serve more ... [Continue Reading](https://about.concoracredit.com/blog/how-second-look-financing-can-help-merchants)