Advocate Cobrand Consulting Insights https://advocatecobrand.com/insights Thought leadership and analysis on cobrand credit cards, loyalty strategy, underwriting, and portfolio optimization. en-us Mon, 20 Apr 2026 00:00:00 GMT 1440 The Dearth of Grocery Cobrand Programs: Why a Massive Opportunity Remains Untapped https://advocatecobrand.com/insights/grocery-cobrand-opportunity https://advocatecobrand.com/insights/grocery-cobrand-opportunity Why grocery cobrand programs remain underdeveloped, and what it will take to unlock one of the category’s biggest opportunities. Trends info@advocatecobrand.com (Justin Ptacnik) Mon, 20 Apr 2026 00:00:00 GMT Gen Z Is Redefining Loyalty — Cobrand Programs Must Follow https://advocatecobrand.com/insights/gen-z-redefining-loyalty https://advocatecobrand.com/insights/gen-z-redefining-loyalty Why Gen Z is embracing BNPL over credit cards, and how brands can design cobrand programs that win their loyalty. Trends info@advocatecobrand.com (Justin Ptacnik) Thu, 02 Apr 2026 00:00:00 GMT The Rise of Expanded Approval Strategies https://advocatecobrand.com/insights/expanded-approval-strategies https://advocatecobrand.com/insights/expanded-approval-strategies Exploring the shift toward second-look and dual-path underwriting models in cobrand programs. Trends info@advocatecobrand.com (Justin Ptacnik) Mon, 23 Mar 2026 00:00:00 GMT Credit Card APRs – Why We Pay 20% (or more) https://advocatecobrand.com/insights/credit-card-aprs https://advocatecobrand.com/insights/credit-card-aprs A deep dive into the economics of credit card P&Ls and the market forces driving interest rates. Insights info@advocatecobrand.com (Justin Ptacnik) Mon, 02 Mar 2026 00:00:00 GMT Credible Challenge – An Essential Component in Cobrand Program Management https://advocatecobrand.com/insights/credible-challenge https://advocatecobrand.com/insights/credible-challenge Exploring the critical importance of independently questioning, testing, and validating assumptions in brand partnerships. Strategy info@advocatecobrand.com (Justin Ptacnik) Mon, 02 Mar 2026 00:00:00 GMT The Future of Retail Cobrand Programs - Questioning the Answer Engine https://advocatecobrand.com/insights/future-retail-cobrand https://advocatecobrand.com/insights/future-retail-cobrand A skeptical and independent analysis of AI-generated predictions for the future of cobrand programs. Trends info@advocatecobrand.com (Justin Ptacnik) Tue, 03 Mar 2026 00:00:00 GMT Barclays launches new Gap Encore MasterCard https://advocatecobrand.com/insights/barclays-gap-encore https://advocatecobrand.com/insights/barclays-gap-encore An analysis of the new Gap Encore Mastercard and its evolution of Gap Inc.’s loyalty ecosystem. Trends info@advocatecobrand.com (Justin Ptacnik) Tue, 03 Mar 2026 00:00:00 GMT