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Sense and Nonsense About Credit Models – Part II
A curious trend that has become more pronounced since the pandemic is that many lenders are wondering if their credit models (i.e., scoring and...
Sense and Nonsense About Credit Models – Part I
Auto finance, as we know it today, really began in the late 1980s with the introduction of asset-backed securitization to lenders. This instrument allowed...
Where Auto Retailers and Lenders are Still Finding Barriers in Adopting more Digitized Back-office Workflows
Customers want simplified digital purchasing experiences today, and many automotive retailers, lenders and OEMs have been aggressively building consumer-facing web ecosystems to suit their...
Where Auto Lenders are Already Seeing the Benefits of Artificial Intelligence Outside of ChatGPT
The loan application process has been greatly improved using machine learning (ML) and artificial intelligence (AI) tools. These tools enable auto lenders to make...
How AI Is Helping Lenders Build More Systemic Controls As They Navigate Increasing Regulatory Scrutiny
At the onset of 2023, the Consumer Financial Protection Bureau (CFPB) and the New York State Office of the Attorney General filed a complaint...
How Financial Durability Insights Help Auto Lenders Entering 2022
Between government stimulus checks, loan accommodations, and fewer opportunities to spend on discretionary items like vacations and travel because of pandemic restrictions, the overall...