André-Martin Hobbs, Author at DecisioningIT

From Airfare to Auto Sales: Why Dealers Must Wake Up to AI-Powered Pricing

From Airfare to Auto Sales: Why Dealers Must Wake Up to AI-Powered Pricing

Delta Airlines just changed the game. The global airline giant has started rolling out an artificial intelligence system to dynamically price its flights based on who you are—not a standard fare chart. The old model of fixed pricing is giving...

July 24, 2025

Summer Heat and Loosening Auto Credit: What It Means for Canadian Car Buyers and Dealers

Consumer Credit

Summer Heat and Loosening Auto Credit: What It Means for Canadian Car Buyers and Dealers

As temperatures climb across the country, Canadian car buyers may find some relief—not just from the weather, but from improving credit conditions that could make auto financing more accessible. The latest data from Cox Automotive’s Dealertrack Credit Availability Index shows...

July 11, 2025

AI is Coming to F&I — Here’s How Dealerships Can Actually Win

Artificial Intelligence F&I

AI is Coming to F&I — Here’s How Dealerships Can Actually Win

For over two decades, the Finance & Insurance (F&I) office has been the profit epicenter of most dealerships. And yet, despite massive changes in consumer expectations and digital retailing, the traditional F&I process remains largely untouched. While AI tools are...

June 24, 2025

Auto Loan Delinquencies Hit Record High in Q1 — Canadians Struggle with Rising Vehicle Ownership Costs

Consumer Credit Latest News Repossessions

Auto Loan Delinquencies Hit Record High in Q1 — Canadians Struggle with Rising Vehicle Ownership Costs

Late payments on auto loans have hit a new high across North America in early 2025, and Canadians aren’t immune. The growing burden of vehicle ownership — from record-high insurance premiums to skyrocketing repair costs — is making it harder...

June 18, 2025

Clutch.ca Launches First-Ever Customer Hub at CF Markville Mall

Car Dealerships Digital Retailing

Clutch.ca Launches First-Ever Customer Hub at CF Markville Mall

Clutch, the Canadian leader in online used car sales, has opened the doors to its very first Customer Hub in Markham, Ontario; a new space that blends the ease of e-commerce with the reassurance of in-person service. The new hub,...

June 11, 2025

Consumer Sentiment Is Brightening, but Payment Pressures Persist

Consumer Credit

Consumer Sentiment Is Brightening, but Payment Pressures Persist

Cox Automotive says unique credit applications per dealer on Dealertrack rose 2 percent year‑over‑year last week—a sign that shoppers may be edging back toward the finance office. Yet whether customers are truly comfortable signing for a new vehicle depends on which...

May 29, 2025

The New Rules of Dealer Satisfaction: Tech, Trust, and Timely Solutions

Automotive Lending Car Dealerships

The New Rules of Dealer Satisfaction: Tech, Trust, and Timely Solutions

In today’s challenging automotive financing landscape, Canadian auto lenders must go beyond merely meeting dealer expectations to thrive. This insight stems from the J.D. Power 2025 Canada Dealer Financing Satisfaction Study, which analyzed 5,974 finance provider evaluations from new-vehicle dealerships...

May 13, 2025

AI in Auto Lending: A Smarter, Safer Future Powered by Intelligent Decisioning

Artificial Intelligence

AI in Auto Lending: A Smarter, Safer Future Powered by Intelligent Decisioning

The auto lending landscape is undergoing a radical transformation. Artificial intelligence (AI) is no longer just a buzzword; it’s a force reshaping how lenders operate, how decisions are made, and how customers engage with financing. From improving credit assessments to...

May 1, 2025

Rising Consumer Debt and Auto Finance: Why Smarter Decisioning is More Critical Than Ever

Consumer Credit Latest News

Rising Consumer Debt and Auto Finance: Why Smarter Decisioning is More Critical Than Ever

As household debt in the U.S. continues to soar, the auto finance industry faces growing risks — and growing opportunities — in how it navigates consumer credit challenges. According to Experian, auto loan balances alone ballooned from $1.1 trillion in...

April 27, 2025

The 5 Deficits of Legacy Auto Finance Technology — And How DecisioningIT Helps You Overcome Them

Artificial Intelligence Automotive Finance eContracting Latest News

The 5 Deficits of Legacy Auto Finance Technology — And How DecisioningIT Helps You Overcome Them

In a rapidly evolving automotive finance landscape, clinging to outdated systems isn’t just inefficient — it’s a direct roadblock to growth. Rising vehicle prices, the shift toward electric vehicles (EVs), and consumer demand for flexible leasing models are reshaping how...

April 10, 2025