Will Ely

Demand and price elasticity models promise data-driven lending decisions, but real-world auto lending is far more complex. Discover why traditional approaches often fall short and explore practical strategies to build more accurate, actionable pricing models.

Auto lenders can no longer treat pricing and credit as separate decisions. This post explores why modern risk-based pricing requires a connected, full-funnel approach that balances affordability, portfolio risk, profitability, and customer behavior - and how unified analytics, simulation, and personalized offer structures can help lenders compete more effectively.

Canadian auto lenders are facing tighter margins, shifting funding costs, and rising competition at the dealership level. This article explores why static rate sheets are falling short and how AI-driven pricing analytics can help lenders improve risk alignment, dealer competitiveness, and portfolio performance.

“Good enough” pricing operations are costing auto lenders far more than they realize. In a market defined by rate volatility, slow workflows, and outdated tools, every delayed update quietly erodes margin and competitiveness. Learn why modernizing pricing is no longer optional - and how lenders can capture speed, precision, and resilience by rethinking their approach today.

In the face of economic uncertainties affecting auto finance, this blog delves into strategies for maintaining healthy margins and enhancing profitability. Discover how advanced analytics can empower lenders to navigate market volatility and improve their pricing strategies.

It’s a tough time to be an auto lender. Not only is the total auto loan amount financed decreasing, but in the third quarter of 2022, loan originations fell to their lowest levels since 2013.

Following the unprecedented economic shock caused by COVID-19, it was no surprise to see lenders increasing their loss reserves to brace for rising defaults. While both governments and lenders have taken steps to protect borrowers, the wave of economic disruption and unemployment will inevitably imp ...

Car prices are rising, regulatory forces are closing in on auto lenders, and the fintech solutions of the 21st century are here to replace legacy systems. Amidst this tumult, the specter of COVID-19 has created unprecedented uncertainty in auto markets worldwide, with lenders deploying innovative di ...