
Why the 2026 Tax Refund Season Could Reshape Consumer Collections
By Steve Burke, CEO Agora Data For nearly ten years, I have written and spoken about the relationship between federal tax policy and consumer

By Steve Burke, CEO Agora Data For nearly ten years, I have written and spoken about the relationship between federal tax policy and consumer

Tax season brings a surge of motivated shoppers who use refunds for down payments and vehicle purchases. In 2025 the average federal refund climbed to

Understanding how delinquency trends impact portfolio performance is key to protecting profitability and accessing capital for today’s car dealers. While fluctuations in payment behavior are

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

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

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

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