Divya Alley

By Steve Burke, CEO Agora Data    For nearly ten years, I have written and spoken about the relationship between federal tax policy and consumer financial behavior. Few forces move household cash flow as quickly, or as predictably, as changes to withholding, credits and refund timing. As we approach the coming refund season, the data

Innovative subprime auto finance alternatives offer independent car dealers a more powerful way to expand their customer base and increase sales.

Auto finance is evolving rapidly, driven by rising consumer expectations and increasing regulatory demands. To stay competitive, originators and dealers are embracing AI-powered technology and communication platforms that deliver greater efficiency, reduce risk, and enhance borrower engagement.

Featured Article By Matt Burke, President & Chief Operating Officer, Agora Data   For today’s independent dealer, resilience isn’t optional—it’s essential. With affordability challenges and selective credit standards reshaping the market, dealers that prioritize strong partnerships, advanced technology, and disciplined fundamentals are positioned to lead. Here’s how you can strengthen lending relationships, adopt smarter tools,

As the auto finance market evolves, financial institutions and dealers are increasingly exploring ways to monetize or exit their auto portfolios.

Quantitative modeling is the use of mathematical and statistical techniques to analyze data and predict outcomes in auto lending. For dealers and lenders, it means making smarter decisions based on real numbers rather than gut feelings.

Auto loan securitization might sound like a Wall Street term, but it’s quickly becoming a game-changer for independent auto dealers. In simple terms, securitization allows dealers and lenders to bundle auto contracts and sell them as investment products—unlocking capital, reducing risk, and creating new growth opportunities.