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Embracing Mobility Disruption
International Auto Finance Network | London | 23rd May 2017
Graeme Banister
Financial Services and Mobility
OEMs are actively developing Mobility Services – what are the
implications for traditional car / finance providers?
Financial
Services
OEM
Mobility
Services
Car-centric
Mobility
New
Mobility
Solutions
Mobility as
a Service
Car Finance - A Platform Experience
User Journey is being transformed – Mobile Only (not Mobile First)
Car Finance – Online & On-Demand
‘What do I need?’ is replacing ‘What can I afford?’
Source: AUTOFI
Car Finance KYC
Term & Mileage
Mobility Services KYC
How is car being driven?
When is car being driven?
What is the purpose of the trip?
Who is on the trip?
Is there a better alternative?
KYC Future – Know Your City
Cities to play an increasing role in shaping and delivering Mobility
Regulation /
Fiscal Framework
Automated Driving
(Policy & Pilots)
Service Tendering
Flexible scheduling &
on-demand transit
Sustainability
/ Public Health
Parking Supply &
Monetisation
Open Data
MaaS / Mobility
Budgets
Source: Frost & Sullivan
Future of Car Finance
There is a rapid shift from Ownership to Usage which is delivering
NEW RULES, NEW BRANDS AND NEW EXPECTATIONS
Pay On Use Leasing
Zero mile contracts +
mileage subscription
Sub-Leasing
Partnerships being explored
to help Owners reduce Total
Cost of Mobility
Ride Hailing
Flexible solutions for
on-demand drivers
Lease Swap
Connecting those wanting out
of their lease with those who
want in
Flexible Leasing
Customer has full control of
term, mileage and vehicle
Used Car Leasing
More Fleet vehicles = more
vehicles to remarket. New
sales channels needed
especially if prices drop
Question Time!
Graeme Banister
Graeme.banister@gb-consulting.co.uk
+44 7889029279

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Embracing Mobility Disruption

  • 1. Embracing Mobility Disruption International Auto Finance Network | London | 23rd May 2017 Graeme Banister
  • 2. Financial Services and Mobility OEMs are actively developing Mobility Services – what are the implications for traditional car / finance providers? Financial Services OEM Mobility Services Car-centric Mobility New Mobility Solutions Mobility as a Service
  • 3. Car Finance - A Platform Experience User Journey is being transformed – Mobile Only (not Mobile First)
  • 4. Car Finance – Online & On-Demand ‘What do I need?’ is replacing ‘What can I afford?’ Source: AUTOFI
  • 5. Car Finance KYC Term & Mileage Mobility Services KYC How is car being driven? When is car being driven? What is the purpose of the trip? Who is on the trip? Is there a better alternative?
  • 6. KYC Future – Know Your City Cities to play an increasing role in shaping and delivering Mobility Regulation / Fiscal Framework Automated Driving (Policy & Pilots) Service Tendering Flexible scheduling & on-demand transit Sustainability / Public Health Parking Supply & Monetisation Open Data MaaS / Mobility Budgets Source: Frost & Sullivan
  • 7. Future of Car Finance There is a rapid shift from Ownership to Usage which is delivering NEW RULES, NEW BRANDS AND NEW EXPECTATIONS Pay On Use Leasing Zero mile contracts + mileage subscription Sub-Leasing Partnerships being explored to help Owners reduce Total Cost of Mobility Ride Hailing Flexible solutions for on-demand drivers Lease Swap Connecting those wanting out of their lease with those who want in Flexible Leasing Customer has full control of term, mileage and vehicle Used Car Leasing More Fleet vehicles = more vehicles to remarket. New sales channels needed especially if prices drop