John Sternal's Blog (532)

New Survey From Nation Safe Drivers Finds Automotive Businesses Want New Revenue Partnerships but Lack a Clear Path to Execute

More than 80% of respondents are interested in partnering with businesses in adjacent industries to create new revenue opportunities, but many lack a clear path to execute …
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Added by John Sternal on October 15, 2026 at 2:22pm — No Comments

The Four Session Threshold: A New Way to Identify Which Vehicles Are at Risk

Over the past three months, new-vehicle day supply has climbed from roughly 59 days at the close of Q2 to about 72 in late August, while new inventory grew from 2.76 to 2.92 million units, and the instinct has been to treat that as simply more cars to sell. But the more useful question is not how many vehicles are on the lot. It is how many of those vehicles are actually being seen by shoppers before they become the next round of markdowns. 

The…

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Added by John Sternal on September 21, 2026 at 2:50pm — No Comments

Wolters Kluwer Auto Finance Digital Transformation Index: Digital Adoption Broadens Across the Auto Finance Ecosystem in Q2

Wolters Kluwer Auto Finance Digital Transformation Index: Digital Adoption Broadens Across the Auto Finance Ecosystem in Q2

 

eContracting volume rises 7 percent quarter-over-quarter as growth spreads across captives, fintech lenders, and dealer connectivity networks; digital securitization volume climbs 61 percent year-over-year on expanding credit union participation.

 

NEW YORK – July 30, 2026 – Wolters Kluwer…

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Added by John Sternal on July 29, 2026 at 1:28pm — No Comments

Why So Many Automotive Service Relationships Break Down and What It Actually Takes to Rebuild Them

In the automotive industry, trust rarely disappears overnight. 

A dealer signs a new F&I administrator. An agency partners with a service provider. A fleet operator awards a roadside contract. The kickoff meetings go well, expectations are high, and everyone believes they've found the right long-term partner. 

Then something changes. 

A customer receives conflicting answers about a…

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Added by John Sternal on July 24, 2026 at 10:53am — No Comments

How Dealerships Are Still Challenged Capturing and Saving Consumer Driver's Licenses Today

For decades, the driver's license check at a dealership meant a photocopy dropped into a deal jacket or a salesperson snapping a photo on a personal phone. Most of the industry conversation about this process has focused on fraud, on the fake IDs slipping past the front desk. That conversation matters, but it skips the step that comes first. Before a dealership can worry about whether a license is real, it must solve a more basic problem: how the license is captured in the first place, and…

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Added by John Sternal on July 23, 2026 at 9:40am — No Comments

NEWS: AIADA Welcomes Protective Asset Protection as Official Vehicle Service Contract Sponsor

AIADA Welcomes Protective Asset Protection as Official Vehicle Service Contract Sponsor

Sponsorship Delivers Expanded F&I Solutions to America’s International Nameplate Dealers

 

July 8, 2026 (KIRKLAND, WA) The American International Automobile Dealers Association (AIADA) today announced a new sponsorship agreement with Protective Asset Protection, naming Protective as the official vehicle service contract…

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Added by John Sternal on July 9, 2026 at 10:02am — No Comments

The Invisible Tax on Dealership Advertising

For years, automotive retail has approached digital advertising as a volume game. The prevailing assumption has been that more traffic, more impressions and more leads naturally translate into more sales.

However, as inventory costs rise, margins tighten and consumer demand fluctuates across segments, many dealers are discovering a difficult reality: not every vehicle on the lot needs the same level of marketing support.  In many dealerships, marketing dollars are still distributed…

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Added by John Sternal on June 22, 2026 at 12:55pm — No Comments

Auto Finance Digital Adoption Trends Reflect A Market Navigating Operational Pressure

The first quarter of 2026 continued to reflect a challenging operating environment for auto lenders and their dealer partners. New vehicle sales declined during the quarter as affordability pressures remained, loan terms continued to rise, and lenders managed operational efficiency alongside changing borrower patterns.

Vehicle sales transaction data and digital adoption trends from the most recent Auto Finance Digital Transformation Index point to a changing market in the early part…

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Added by John Sternal on June 12, 2026 at 11:38am — No Comments

New Carleton Survey Finds Lending Industry Facing a Migration Crisis as Legacy Systems Threaten Compliance, Security and Growth

More than three-quarters of lending professionals rate modernization as extremely or very urgent, yet cost constraints, limited resources and disruption concerns continue to slow progress

SOUTH BEND, IN (June 2, 2026) — Carleton, a leading provider of compliant loan calculation and disclosure solutions, today released findings from its inaugural Platform Migration and Modernization Survey, revealing…

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Added by John Sternal on June 2, 2026 at 5:20pm — No Comments

Nation Safe Drivers Earns Great Place To Work® Certification™

Employee feedback recognizes NSD’s people-first culture, welcoming workplace environment, and commitment to growth 
 …
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Added by John Sternal on May 18, 2026 at 11:14am — No Comments

Market in Motion: Why Demand Has Shifted — and Why Dealers Must Shift With It

The rhythm of a modern dealership still feels familiar: vehicles arriving on transport trucks, showroom deliveries, digital leads coming in overnight, and teams working to keep metal moving. But underneath that steady cadence, something more structural is happening. Demand has not disappeared—it has moved. And it has moved faster than many inventory strategies have been able to follow. 

 

This is no longer a question of whether…

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Added by John Sternal on May 14, 2026 at 10:45am — No Comments

NSD Joins Fixed Ops Week 2026 as Strategic Partner, Advancing Its Position as a Technology-Enabled Performance Partner for Dealers and Agents

FOR IMMEDIATE RELEASE 

NSD Joins Fixed Ops Week 2026 as Strategic Partner, Advancing Its Position as a Technology-Enabled Performance Partner for Dealers and Agents 

CRO Anthony Giagnacovo and SVP John Michener to Lead Panels and Q&A Sessions on F&I Performance, Dealer Profitability, and the Future of the Agent Relationship 

BOCA RATON, Fla. - (May 5,…

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Added by John Sternal on May 5, 2026 at 1:00pm — No Comments

Vehicle Management Systems Introduces Virtual Fleet Manager: The AI-First Operating Layer for Connected Fleets and Vehicles

AI-native platform introduces a new class of distributed AI systems that move the industry beyond dashboards to real-time, autonomous action that improves uptime and lowers total cost of ownership

 

Jackson, Wyo. – (April 20, 2026) – Vehicle Management Systems (VMS), an AI-first fleet and vehicle middleware platform serving both fleet and auto retail environments, today announced the…

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Added by John Sternal on April 20, 2026 at 10:12am — No Comments

The AI Gap in Automotive Retail: Dealers Embrace AI, But Say It Falls Short Where It Matters Most

New Lotlinx Survey Reveals the “AI Gap” in Automotive Retail and Why Dealers Are Demanding Inventory-Intelligent Solutions

 

DETROIT (April 7, 2026) — The era of one-size-fits-all artificial intelligence is over for auto dealers, at least for the ones paying attention. A new industry survey in March of roughly 215 executives from franchise and independent dealerships across the U.S., and conducted by Lotlinx, delivers…

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Added by John Sternal on April 7, 2026 at 12:15pm — No Comments

The Real Auto Affordability Crisis Has Nothing to Do With Interest Rates

For the past two years, the automotive industry has been locked in a debate about interest rates. When will the Fed cut? Will lower rates unlock demand? Will relief at the macro level translate into traffic on the showroom floor? These are reasonable questions on the surface, but new data suggests the industry has been arguing about the wrong problem entirely.

 

An…

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Added by John Sternal on April 6, 2026 at 10:53am — No Comments

New Survey Reveals Why Lowering Interest Rates Won't Fix What's Actually Breaking Car Sales

84-Month Auto Loans Are Trapping Consumers and Threatening the Dealer Trade-In-Cycle; Industry Leveraging the Wrong Tools to Combat High MSRPs  

ORLANDO, FL - (March 24, 2026) – AutoPayPlus, a pioneering automated financial concierge service, today announced the findings from an industry-wide survey revealing deep concern over the long-term…

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Added by John Sternal on March 24, 2026 at 10:11am — No Comments

LAUNCHER.SOLUTIONS Integrates with CarletonDocs® to Provide Lenders Enhanced Document Compliance

Jacksonville, Fla: LAUNCHER.SOLUTIONS (Launcher), a technology provider of loan origination technology for automotive and consumer lenders, announced today a strategic product integration between its appTRAKER™ Loan Origination System (LOS) and CarletonDocs® from Carleton, Inc.’s compliant document generation platform.

By incorporating CarletonDocs® into the appTRAKER™ platform, Launcher further strengthens its comprehensive loan…

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Added by John Sternal on March 17, 2026 at 1:30pm — No Comments

Vehicle Management Systems Moves Out of "Stealth Mode" to Scale Disruptive AI Platform With New Web Presence

New website reflects the company’s evolution into a disruptive, AI-first platform built for modern vehicle and fleet operations

 

Jackson, Wyo. – Vehicle Management Systems (VMS), an AI-first vehicle and fleet middleware platform serving both fleet and auto retail environments today announced the launch of its new website marking a key milestone as the company steps out from behind the…

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Added by John Sternal on February 3, 2026 at 12:47pm — No Comments

Lotlinx To Unveil “Revive,” a New Lead Re-Engagement Solution at NADA 2026

Dealers will get an up-close look at how Revive helps sales teams re-engage closed-lost shoppers when they return to the market, transforming missed opportunities into renewed sales conversations

 

DETROIT (January 29, 2026) — Lotlinx,  the auto industry’s first and only VIN Performance platform built to help dealers maximize profitability, announced today the launch of…

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Added by John Sternal on January 29, 2026 at 10:00am — No Comments

Lotlinx Appoints Randy Kobat as Chief Commercial Officer

Veteran Automotive Executive to Lead Sales, Marketing, and Client Success as Lotlinx Enters Next Phase of Growth  …
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Added by John Sternal on January 14, 2026 at 10:17am — No Comments

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