Finance Solutions

Automotive Transformation Group data, insight and technology solutions make it easier for car brands, dealers and financiers to sell more vehicles. 

We work with many of the world’s leading finance houses and fleet providers, as well as some of the largest car brands and dealer groups, including Jaguar Land Rover, Kia and Volkswagen, serving over 10,000 locations across 96 countries. Using our unrivalled in-house data, insight and technology expertise, we forge next-generation technology and software supporting them in delivering superior digital experiences to today’s connected consumer, handling millions of transactions daily and over $4 billion per year. 

At the heart of what we do is connecting vehicle and consumer. In practice, that means serving the right offer, at the right time, to the right customer and then facilitating the seamless transition from one vehicle to another, or providing new, personalised services as part of a fully integrated, end-to-end customer journey.  From taking deposits online, to full finance applications and instant approvals, we can scale and enhance your ecommerce offering. 

We can also help you unlock opportunities by helping customers understand their buying power in the form of a simple cost to change, taking into account any outstanding finance and the value of their current vehicle.  Whatever you are looking to achieve within your finance sphere, we have the right, flexible and scalable solutions for your business, to enhance the efficiency, quality, speed and commercial return of your operations. 


In our portfolio, our flagship ecommerce solution is NetDirector® Auto-e – the platform of choice for many of the most successful dealer and car brands across the globe, including BMW and Mercedes-Benz. Built on class-leading technology, it is a highly-converting, performance-focused solution, driven by real-time data. 

Refined over time to serve the automotive industry better than any other, it’s here to future-proof your business, both today and tomorrow. 

Whether you are looking to take your existing ecommerce operations and their integration with dealer and OEM partners to the next level, or just add new features, our solutions are completely scalable. From taking deposits online with Google Pay and Apple Pay, to a fully end-to-end system, including online finance applications and instant approvals, we are here to support you all the way. 

The state-of-the-art NetDirector® Auto-e software empowers your customers by providing all the tools they’ll need to complete an engaging and intuitive buying journey, on their terms and at their convenience. 

Able to be seamlessly integrated into existing websites, NetDirector® Auto-e comes with built-in tools, from part-exchange valuations, customer reviews and pricing tools, to end-to-end finance, advanced live chat and enhanced security, which will drive greater levels of transactions from the outset, to increase your sales and profitability. At the same time, it will drive transactions, as our technology makes life simpler for the buyer, by making searching for and calculating the affordability of their next vehicle, child’s play. 

Residual Value Management

One of the foremost global providers of residual value forecasting software, we are trusted by leading finance and leasing providers across the globe. 

More than any other company in the sector, we understand the critical role residual values play in the success of your business and the need to continually balance competitive pricing with risk. 

Risk evaluation is critical to any provider of finance or leasing products involving a residual value, and accounting practices mandate that provisions are made against potential asset risks where these can be accurately valued. Recalc helps financiers comply with their accounting obligations quickly and easily, using a proven, independent and auditable approach on every level. 

Providing detailed, segmented analysis of your portfolio, Recalc helps to identify pockets of risk and support commercial decision making and financial provisioning. The platform can also act as an expert assessment tool ahead of the acquisition of any new vehicle stock, by giving accurate, real-time data on the correct price to pay. Supported by experts in the field of portfolio management, the team can provide any level of detail required by each specific customer. In combination with Forecast, it forms part of a risk management toolkit for your portfolio. 

Forecast is used by many of the world’s leading providers of finance and leasing to deliver accurate, consistent and proven residual value forecasting. It puts the power in your hands by providing a clear, instant picture for setting residual values, thereby protecting you from the risk of pricing anomalies which can erode profitability. 

The Forecast solution gives a structured, auditable method for creating residual values based on market values, taking into account specific portfolio and trading considerations, as well as Recalc insights for a truly informed, real-time view. 

The leading-edge platform also includes an unrivalled MI Suite to deliver in-depth reporting and benchmarking capabilities. Data transfer can also be automated, reducing valuable time and effort expended on manually reviewing residual values, as well as eliminating any potential for human error. 

Forecast can be tailored to bespoke client requirements and naturally, is supported by an industry-experienced team who understand the critical relationship between risk and profit and their importance for the bottom line of any business. 

Customer & Finance Retention

In today’s increasingly digitalised automotive industry, businesses need the right data, at the right time, in the right place, in order to make informed, timely commercial decisions to optimise customer satisfaction levels and stay ahead of the competition. 

There has never been more consumer choice or convenience in the automotive industry, driven by ecommerce. As a result, the need to retain and grow customer loyalty has become even more paramount. As a Group, we offer some of the most advanced retention and data insight solutions available anywhere in the global automotive sector to drive your business forward. 

Key2Key gives dealers the power to identify and tailor a bespoke new vehicle package for a specific customer in seconds.  making optimum use of existing rates, discounts and incentives, the system seamlessly calculates the lowest cost-to-change solution available – based on their budget. 

The car buyer wins by upgrading their car for less than they probably expected, while the chances of securing the sale for the funder and dealer are naturally significantly higher as a result – all supported by an intuitive dashboard which provides a clear and easy to understand side-by-side comparison of existing and new deals to present to each customer. 

Delivered as a Software-as-a-Service (SaaS) application, it can be rapidly configured and scaled from a single site, right up to a regional network or territory, regardless of language or data constraints. Delivered via its powerful toolkit, it offers innumerable data-mining, campaign management and incentives distribution capabilities in a single platform. Alongside it, the integrated Business Rules Engine enables powerful automated digital marketing and lead distribution. Customer convenience is also assured thanks to Personal Landing Pages, allowing them to interact with offers in a single place at their own pace.  

It is also integration-ready with APIs that can be configured to integrate with any DMS, LMS or website. 

The P360 platform includes C360, a direct-to-consumer app which puts the customer at the heart of any transaction. It offers interactive finance calculations, allowing them to enter their preferred package parameters in their own time, before progressing their purchase with a dealer, be it offline or online.   

Business Intelligence   

With over 4 billion interactions recorded in more than 50 countries, we are one of the most established players in the Business Intelligence field. 

NetDirector® BI, is used by multiple stakeholders in the automotive industry to support top-tier, real-time operational decision making across the automotive industry.   

The car buying process is a complex and multi-faceted journey. To ensure optimum data tracking and analytics, NetDirector® BI looks beyond traditional models and instead focuses on consumer behaviour and their interactions over extended periods. 

To make your data lake work reliably, seamlessly and securely, we run with several state-of-the-art Amazon platforms, taking care of everything required to run and scale your operations with high availability. 

And because the world never stands still, we can also make it easy for you to collect, process, and analyse real-time, streaming data for timely insights and react swiftly accordingly, wherever you are in the world. 

The Automotive Transformation Group

Call us on +44 (0) 844 264 3518

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