The document discusses the implications of mobility services developed by automakers on traditional car and finance providers. It notes user journeys are being transformed and moving to mobile-only experiences. For car financing, customer questions are shifting from what they can afford to what they need. Know your customer checks for car financing focus on driving patterns but for mobility services may examine trip purpose and passengers. The future of car financing involves a shift from ownership to usage through options like pay-per-use leasing, sub-leasing, ride-hailing, and flexible leasing models.