Kuidas ühendatud autod kujundavad ümber Automotive Captive Finance'i

Ühendatud autotehnoloogia muudab autotööstuse finantssektorit revolutsiooniliseks, muutes olemasolevaid rahastamis- ja kindlustuskäsitlusi telemaatikaandmetest saadud teadmiste põhjal.

Ameerika Ühendriikides annavad telemaatikaandmed kindlustusseltsidele võimaluse pakkuda allahindlusi juhtidele, kes järgivad ohutut juhtimistava, järgides kiiruspiiranguid või järgides vastutustundlikke pidurdusharjumusi.  

Across Europe, this is taking shape with financial institutions partnering with automakers to use real-time connected car data to customize their financing terms. For example, drivers who exhibit consistent, safe driving behavior can look forward to receiving lower interest rates.

In some Southeast Asian countries, including Japan and South Korea, businesses leverage connected car data to improve fleet management. Corporate financing solutions are tailored after considering how a fleet has performed regarding fuel efficiency and prescribed vehicular maintenance requirements.

Autotööstuse finantseerimisvõimaluste laiendamine

As things stand, automotive captive financiers are aligned closest to Original Equipment Manufacturer (OEM) dealers and provide financial solutions best suited to this partnership. With the proliferation of connected car technology, financiers can be expected to offer a larger variety of customized offerings for other stakeholders in the automotive industry, including insurers and customers.

These offerings can be further bundled with other key services that car buyers can avail themselves of throughout their vehicle ownership lifecycle. This possibility promises several exciting personalization outcomes in what customers can expect from their automotive captive financiers, which are bound to help fuel customer retention and satisfaction.

Another example is using a vehicle, driver, and any existing loan/lease data to offer customers pre-approved financing for car upgrades based on their responsible driving habits and equity in their current vehicle. This seamless, data-driven approach creates a win-win for both financiers and customers, enriching the entire car ownership experience.

Klientide kogemuste parandamine

Consider, for example, the role connected car data can play in helping improve customer service responsiveness by facilitating quicker decision-making. While on-vehicle diagnostics can enable proactive assessments and recommendations, over-the-air software repairs can help prevent cumbersome, time-intensive, and in-person visits to a dealership.

Similarly, data from connected cars can help promote personalized upgrades based on customers’ driving patterns, whether to existing infotainment features or navigation apps. Also, this data and insights derived from it can be used to execute supplier optimization using vehicle-performance data to perform product enhancement, including for existing subscription services.

Kahe või enama autofinantseeringu, kindlustuse, mitmeaastaste hoolduspakettide ja teabe- ja meelelahutusteenuste komplekteeritud paketi kombineerimine võib oma mugavuse ja kulutasuvuse omadustega meelitada ka tarbijaid autotööstuse finantsturul.

Kohanemine tarkvaraga määratletud sõidukitega

Ühendatud autotehnoloogia abil uute teemurdmine on autotööstuse omapoolse rahastamise jaoks õigeaegne. Hiljutine

BCG uuring viitab sellele, et autotööstuse järelturg seisab silmitsi väljakutsetega, mis on tingitud prognoositavast üleminekust tarkvaraga määratletud sõidukite poole. See nihe, mis eeldatavasti vähendab 2030. aastaks järelturu tulusid, suurendab ka kasumit veidi.

Kuigi USA keskmine hoolduskulu sõiduki kohta langeb eeldatavasti 8. aastaks umbes 2032 protsenti, siis prognooside kohaselt kasvab kasum sõiduki kohta

13 protsenti igal aastal tänu kõrge marginaaliga teenustele, nagu täiustatud juhiabi ja sõidukisisene teabe- ja meelelahutussüsteem. Need rikkalikud funktsioonid on tüüpilised isikupärastatud teenustele, mida ühendatud autotehnoloogia võimaldab.

Edasi nihe umbes
4 miljardit USD in profits is projected within the value chain, favoring automotive OEMs and suppliers, who can directly connect with customers. This is again an area where automotive captive finance companies can leverage the insights that connected car technology can provide to personalize their offerings.

Skaleeritava tehnoloogia kasutamine

As connected cars become more prevalent, it will be essential for all stakeholders in the automotive industry—including automotive captive financiers—to proactively develop the requisite technical capabilities and infrastructure to maintain a competitive edge.

This is why adopting scalable, flexible, and innovative technologies will significantly impact automotive captive financiers’ growth and competitiveness. Not only do they attract tech-savvy customers, but they also foster wider industry-level partnerships. By facilitating robust, data-driven decision-making, these scalable technologies empower companies to customize financial products and services for their clientele, leading to more effective risk management.  

Moreover, adopting these technologies will also lead to an enhanced customer experience, with features like proactive online applications and personalized advice boosting customer satisfaction and loyalty. These technologies will also assist compliance, ensuring adherence to regulations while minimizing financial risks.

Agility kinnistamine

Another value scalable technologies will enable is facilitating agile product development, which will allow automotive captive financiers to provide their customers with quicker responses to market demands with the help of innovative financing options. This agility will be vital for automotive captive finance companies to maintain their competitive advantage and meet changing customer needs.

Looking ahead, some of the emerging trends in connected car tech that will significantly impact the automotive finance industry include the incorporation of drive recorders, advancements towards fully autonomous driving capabilities, enhanced safety features, remote maintenance capabilities, high-end navigation systems, and smartphone integrations. While industry leaders gear up technologically and operationally to deal with the unforeseeable future, mastering the analysis of diverse datasets will be crucial. The entire ecosystem will have to work closely to ensure that customers get the cost-effective, intuitive, personalized, and agile automotive financial solutions they want and seek.

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• Allikas: https://www.finextra.com/blogposting/25789/how-connected-cars-are-reshaping-automotive-captive-finance?utm_medium=rssfinextra&utm_source=finextrablogs