André-Martin Hobbs, Author at DecisioningIT

𝗠𝗮𝗿𝗸𝗲𝘁𝗶𝗻𝗴 𝗶𝘀 𝗮 𝗹𝗼𝘁 𝗹𝗶𝗸𝗲 𝗿𝗮𝗶𝘀𝗶𝗻𝗴 𝗸𝗶𝗱𝘀.

Leave your VP of Marketing unsupervised for five minutes… …and suddenly there’s a 𝟯𝟯% 𝗢𝗙𝗙 𝗽𝗿𝗼𝗺𝗼𝘁𝗶𝗼𝗻. Apparently, I nodded “yes” during a meeting while thinking about something else. So… here we are. (𝑊𝘦’𝘳𝑒 𝑝𝘳𝑜𝘣𝑎𝘣𝑙𝘺 𝘯𝑜𝘵 𝘵ℎ𝘦 𝘰𝑛𝘭𝑦 𝑜𝘯𝑒𝘴 𝘸ℎ𝘰’𝘷𝑒 𝑒𝘷𝑒𝘳...

July 9, 2026

How Many Customers Are You Losing Before They Ever Reach F&I?

Automotive Finance Credit Approvals

How Many Customers Are You Losing Before They Ever Reach F&I?

Automotive dealers: what percentage of your customers are you leaving to used vehicle dealers who specialize in automotive financing? Most dealerships simply don’t know the answer. For nearly three years, I traveled across Canada meeting with executives from some of...

June 25, 2026

Artificial Intelligence Prequalification

𝑰𝑻 𝒂𝒍𝒍 𝒔𝒕𝒂𝒓𝒕𝒔 𝒘𝒊𝒕𝒉 𝑺𝑨𝑴

Nobody likes filling out a financing form. Not the customer, who finds it long and stressful. Not your web agent, who asks the same questions a hundred times a day. Not your F&I manager, who sometimes finds out too late...

May 8, 2026

The Gap Between Dealership Leads and Customer Needs

Consumer Credit Prequalification

The Gap Between Dealership Leads and Customer Needs

I love the contrast between what dealerships focus on and what customers actually need. Here’s what customers are feeling right now. If you have kids like I do, you already know: groceries, insurance, everything went up. So I’m not surprised...

April 17, 2026

Otogo Adds Financing Prequalification to Its Platform in Partnership with DecisioningIT

Montreal, March 9, 2026 — Otogo and DecisioningIT have announced a new partnership that will enable dealerships to receive prospects already engaged in the financing process. Through this integration, visitors to Otogo.ca can now complete a financing prequalification request directly...

March 9, 2026

Uncategorized

More AI. Less Tolerance.

2026 Is Becoming the Year of Structure in Automotive Financing Over the past two months, automotive finance has entered a new phase. AI is everywhere — in CRM systems, desking tools, lead handling, digital retail flows.Everything feels faster. At the...

February 23, 2026

AutoTrader launched its own GPT. And this is bigger than it looks.

Artificial Intelligence Digital Retailing

AutoTrader launched its own GPT. And this is bigger than it looks.

AutoTrader recently introduced its own GPT, embedded directly into its platform. On the surface, it might feel like an expected product update. In reality, it signals a much deeper shift in how vehicle discovery, financing, and decision-making are about to...

January 30, 2026

Auto-Finance Risk Climbed in 2025. The Data Now Shows How Much

Consumer Credit

Auto-Finance Risk Climbed in 2025. The Data Now Shows How Much

Vehicle sales stabilized, incentives returned in pockets, and interest rates finally showed signs of easing. Yet beneath that surface calm, consumer risk continued to build. New data released by TransUnion and LendingTree makes that reality harder to ignore. According to...

January 24, 2026

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

Consumer Credit

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