The Automotive Banks Handbook examines the role of manufacturer-affiliated automotive banks, the captives, for the automotive industry. It includes contributions from managing directors, board members and experts from automotive banks, the automotive trade, interested service providers and leading representatives of the relevant associations, academia and the European Central Bank. The business model of automotive banks is presented in a practical and concrete manner.
Today, the service program consisting of credit, leasing and insurance is an integral part of the corporate strategies of vehicle manufacturers and the automotive banks have firmly established themselves in the German market, as well as internationally. By adapting the industrial know-how of their parent companies to their own business processes, the captives create competitive advantages for themselves. This applies to process optimization, outsourcing, information technology, product management and cost optimization by exploiting synergies in administration, purchasing and fundraising. This proven business model is currently under threat from three megatrends: changes in consumer behaviour, digitalization and increasing regulation:
The first edition of the handbook from 2009 has therefore been comprehensively revised and supplemented with articles on the effects of these trends on the business model of automotive banks. The reader is given an up-to-date insight into the operational field of activity of the institutions and an outlook on upcoming strategic challenges.
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(Note: The handbook is expected to be available in mid-August 2015)