How Mercedes-Benz drove 13% finance penetration through dealer incentives.

Driving consistent dealer behaviour to increase finance penetration by 13%.

In a highly competitive retail environment, Mercedes-Benz Financial Services faced a common challenge: inconsistent adoption of finance and insurance products across their dealer network. While some outlets actively promoted MBFS solutions, others treated them as an afterthought—leaving money on the table.

The problem wasn’t lack of incentive. It was that dealers needed embedded behaviours, not one-off campaigns. They needed a program that made selling finance feel like a natural part of every customer conversation, not an add-on.

Achievement Awards Group designed and implemented MBFS Beyond—a digitally enabled, always-on incentive program powered by performXP. By combining clear performance visibility, consistent communications, and structured rewards, the program achieved a measurable shift in dealer behaviour.

Key results: 13% increase in penetration rates year-on-year, sustained engagement across a national dealer network, and a marked improvement in alignment between vehicle sales and finance uptake.