André-Martin Hobbs, Author at DecisioningIT

Auto Delinquencies Rise for the Fifth Straight Year: Why Smarter Decisioning Matters More Than Ever

Auto finance is entering a more complex risk environment. According to TransUnion’s latest Consumer Credit Forecast, auto loan delinquencies are projected to rise for the fifth consecutive year, with accounts 60 days or more past due expected to reach approximately...

January 10, 2026

What I Took From FICO’s Shams Blanc on Auto Finance Heading Into 2026

Automotive Finance Consumer Credit Credit Approvals Prequalification

What I Took From FICO’s Shams Blanc on Auto Finance Heading Into 2026

Author: Andre Martin Hobbs I spend my time in the operational reality of dealership performance, lender alignment, lead quality, and what actually converts through sales and F&I. So I do not listen to industry podcasts looking for “surprises.” I listen...

December 20, 2025

How China’s Automakers Are Reshaping the Global Car Market

In just a couple of decades, China has gone from almost invisible in global auto sales to one of the most powerful forces in the industry. From Zero to 40%: China’s Rapid Ascent If you rewind 25 years, Chinese automakers...

December 2, 2025

Amazon + Ford CPO: What This New Partnership Signals for Your Dealership

Consumer Credit Digital Retailing

Amazon + Ford CPO: What This New Partnership Signals for Your Dealership

On Monday, Ford and Amazon quietly did something that will have loud consequences for the rest of the retail auto industry: certified pre-owned Ford vehicles are now available for purchase on Amazon Autos, with customers completing most of the transaction...

November 20, 2025

DecisioningIT at the CCAEQ Congress in Rimouski: Showcasing the SAM Widget

Andre-M. was on site in Rimouski for the CCAEQ annual congress, representing DecisioningIT at our booth and demoing our SAM pre-qualification widget. It was a great chance to connect with dealers from Eastern Québec and the North Shore and walk...

November 13, 2025

The future of car-search starts talking to you

Artificial Intelligence Marketing

The future of car-search starts talking to you

In the world of car shopping, consumers are tired of sifting through endless filters, toggles, and drop-downs just to find something that meets their needs. At Cars.com, they’ve recognized that reality, and they’ve launched a smart move: an AI-driven search...

November 10, 2025

Canadian used-car market steadies in Q3 — but the road ahead is still hazy

Canada’s used-vehicle market has cooled into a more seasonal rhythm after an overheated first half, with wholesale values easing gently and retail prices still sitting above last year. That mix creates a window to trade a touch of gross for...

November 5, 2025

AI in Dealerships: Threat or Opportunity?

Uncategorized

AI in Dealerships: Threat or Opportunity?

How forward-looking retailers are using AI to unlock transparency, efficiency, and a better customer experience — and what to do in the next 90 days. By André‑Martin Hobbs Event: Conference extract from L’AGA de la CCAM (Corporation des concessionnaires d’automobiles...

October 2, 2025

Mid-September 2025: A Lesson for Dealers as Canada’s Credit Squeeze Deepens

Automotive Finance Consumer Credit

Mid-September 2025: A Lesson for Dealers as Canada’s Credit Squeeze Deepens

As we enter the fall of 2025, Canadian consumers are carrying heavier financial burdens than at any point since the last financial crisis. Inflation has cooled from its highs, but high interest rates, mortgage renewals, and record non-mortgage debt are...

September 15, 2025

Amazon Now Sells Used Cars Online — Here’s What It Means for Canadian Dealers

Uncategorized

Amazon Now Sells Used Cars Online — Here’s What It Means for Canadian Dealers

Amazon just made its next big move: selling used and certified pre-owned (CPO) vehicles online. In partnership with local dealers, Amazon is bringing the ease of e-commerce to the world of car buying — and it could be a game-changer....

August 7, 2025