The Repo Alliance: Trying to Save the Repossession Industry

It is no exaggeration that the last year has been the most challenging time the repossession industry has ever faced. During this time, several...

‘Bueller, Bueller, Anyone?’

The current season of virtual industry conferences is increasingly making me feel like Ben Stein, the economics teacher in “Ferris Bueller’s Day Off,” waiting...

Fin-tech – It’s Just Another Fad

According to the Internet, Fin-tech, aka financial technology, is the technology and innovation that aims to compete with traditional financial methods in the delivery...

Outliers and Auto Finance: Pondering and Modelling the Unpredictable

I’ve always been intrigued by the notion of planning for unpredictable outliers. Since studying game theory at university and then reading Nassim Nicholas Taleb’s...

The New Side-by-Side Experience

For the last 30 years, I’ve spent my working career -- whether as a strategist, marketer, consultant, or industry analyst -- largely based in...

Portfolio Management in the Current Environment

Think back to a time of normalcy in the business world here in the United States – let’s say 30 days ago. The Dow...

The Risks of an Annual Crystal Ball

It’s something we’re all compelled to do at this time of year: look back and see if our predictions or, better yet, the predictions...

The Auto Finance Outlook for 2020

It is common for auto lenders to spend the fourth quarter preparing for the coming year. This typically involves planning volume and yield targets,...

What a Rise in Sub-prime Activity Means for Dealers and Lenders for the Remainder...

Even though several automakers squeezed out an increase in their May sales compared with the previous year, this came on the heels of an...

Fraud or Not, Measure the Risk!

It’s a large, ugly fact in sub-prime auto finance: many dealers advertise used cars for one price but then sell those cars to sub-prime...