May 14, 2024
FINATIV: INSIGHT

May 2024 Welcome to the latest edition of Finativ Insight. We open this issue with a case study showcasing how a leading automotive leasing broker drives operational excellence with Finativ Focus's help. They have achieved impressive results by optimising deal flow and customer service without increasing costs, including immediate capacity increases, enhanced customer satisfaction, and […]

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March 27, 2024
Stay Up to Date with FCA Policy

Discretionary commission is a hot topic for the financial regulator. Make sure you don’t fall foul of the new review into past practices. At a time when the car industry is settling back into more normal times, with new car production returning to pre-COVID levels, another bombshell has been dropped. On 11 January 2024, the […]

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January 3, 2024
FINATIV: INSIGHT

January 2024 2024 – a new year and new opportunities. In this edition of Insight, we highlight the step-change performance potential in supply chain finance and BNPL.  Following a successful engagement in Q4, we introduce a new product - 'Finativ Focus' – a high-speed, low-risk way to drive capacity and productivity gains, with costs aligned […]

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January 2, 2024
2024 Outlook: Industry Experts Weigh In on the Future of SME Lending

The start of the new year is a time when people often think about the year ahead. This year, I decided to ask a few industry friends for their thoughts on major trends and events that will help shape SME lending in 2024. Below are our combined observations - my sincere thanks go to Ylva […]

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January 2, 2024
Revving Up Resilience in Motor Trade Amidst Economic Headwinds

The motor trade has been through a rollercoaster of recent events, from Brexit to the pandemic and beyond. While these events have shaken many businesses, motor retailers have shown a surprising level of resilience. The spike in used-car profits helped many bounce back quickly despite the new challenges that came thick and fast. Now, as […]

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December 12, 2023
The PPU Contribution to ESG

Article published in association with FIS How might PPU be seen as sustainable? The primary selling proposition of a Pay-per-Use product is that the end-customer pays only for their use of the asset, thereby focusing their attention on how much that usage costs them, with the financier/owner retaining their own focus on asset cost and […]

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November 20, 2023
The Value of Data in PPU

Article published in association with FIS As the name “pay per use” implies, the product offers the end customer the prospect of only paying for what they need from a vehicle rather than paying for it regardless of whether or not they use it. This calculation can be a little uncomfortable for the average private […]

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November 6, 2023
FINATIV: INSIGHT

November 2023 As we move into the latter part of the year, it’s right to think about 2024 and the opportunities that it will bring.  THE hot topic right now is AI and in Simon Potts, we’re lucky to have someone in the team who’s been a global leader in this field. His article is full […]

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October 23, 2023
Pay-Per-Use as a Source of Growth and Profitability

We can see it, we’re just not sure how we can get there In common with many futuristic business models, it is relatively easy to imagine some vague point in the future when more and more consumers will enjoy the flexibility offered by automotive subscriptions: swapping vehicles more regularly, as and when needed according to […]

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July 17, 2023
Use Rate-for-Risk Finance Models to Increase Business

As companies look to reinvigorate used car financing, it’s time for a more personal approach to interest rates based on individual circumstances With the running costs of operating dealerships increasing in the last 18 months, retailers are focused on improving profit centres. One method that’s propped up revenue has been income from finance agreements. New […]

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