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It’s All About the Perfect Payment

There’s nothing about paying bills that consumers like, so it follows that the easier, cheaper, and more penny perfect they are to pay, the better, right? KISS!

The U.S. Navy coined the phrase KISS — “Keep it Simple, Stupid,” in 1960 to refer to jet mechanics, and it was eventually adapted across the military and into software development. It’s a minimalist design principle that says systems should be as simple as possible to ensure the greatest levels of user acceptance and interaction. It’s also common sense that the more precise and cleaner a choice is, the more apt a consumer is to adopt and embrace it. I am not a fan of the word stupid, so I rephrase KISS as “Keep it Sesame Street.”

When it comes to the car buying experience, the landscape of financing and leasing has changed to prioritize more choices and convenience while shopping and viewing monthly payments. Online platforms, flexible terms, and digital payments each factor into the simplest possible path to put and keep each driver in their chosen vehicle. KISS!

Online Financing and Leasing Platforms

Until recently, applying for a car loan was anything but simple. Piles of paperwork, long turn-around times, and head-scratching bureaucracy left many wannabe buyers ready to walk, not drive, home.

Digital transformation has made it simpler for consumers to explore and secure financing and leasing options from their browsers or specialty apps. Today’s Fintech platforms offer quick and easy online applications with minimal documentation. It’s no longer necessary to produce years of paper tax returns and pay stubs, complete pages of hand-filled applications, make copies, and then send them by certified mail. Rather than waiting days or weeks, applicants often receive instant approval as well as equally fast and secure digital distribution of funds.

This vastly improved online application and approval process also gives the consumer a leg-up in negotiating. Knowing in advance what they can borrow gives them the confidence to approach the sales experience fully in charge. Meanwhile, pre-approval lets the salesperson know that this is a qualified buyer in a particular price range.

So, whether the buyer is applying in-person with a dealership finance manager or on their iPad at home, KISS!

Flexible Lease and Financing Terms

In order to gain a competitive advantage in the market and encourage car ownership, automakers and financial institutions are now offering customers more flexible terms for leases and loans. Fintech platforms leverage data analytics to provide borrowers with personalized loan options tailored to their specific needs. By considering non-traditional credit sources such as rent payments, utility bills, and other monthly debt payments, which demonstrate responsibility and reliability, loans become more accessible to a wider range of potential borrowers.

From offers of lower payments to reduced interest rates and shorter leases to longer loan periods, innovative solutions today provide a practical plan for nearly any buyer. These solutions empower individuals with greater financial control, allowing them to build a stronger credit profile that will yield long-term benefits.

KISS!

Digital Payment Methods and Apps

Once the consumer is in their car, the convenience of mobile apps and digital payment methods makes fulfilling their new financial obligation easier than ever before. With automatic payments, there’s no need to worry about remembering the due date each month. Online account management allows for easy updates to contact information and payment changes. Balance inquiries provide a quick way to check the amount due or the remaining loan term. Mobile apps also offer the ability to make single payments for off-cycle buy-downs and pay-offs, empowering borrowers to stay on top of their financial responsibilities.

In today’s digital Fintech world, this consumer-friendly choice and convenience is a win-win-win for lenders, sellers, and buyers. While also ensuring penny perfect payments every time.

Chef’s KISS!

Written By Aaron Bickart, General Manager, OfferLogix.

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Jon Gregory

Business Development Director

Jon is the Business Development Director for OfferLogix, a position he took after working as the Director of Sales and Marketing/National Accounts for the previous nine years. In his previous role, Jon was responsible for driving revenue growth by identifying and cultivating new business opportunities and expanding brand presence. He has a strong track record in the automotive space, having spent 18 years working for one of the largest DMS (Dealer Management System) providers.

Jon’s expertise lies in building solid relationships with customers, vendors, and cross-functional teams in sales and marketing. He has experience leading teams, managing partnerships, and aligning business goals to achieve success. Jon is known for his collaborative approach and his ability to work effectively as a team player.

Outside of work, Jon values his faith, family, and friends, which he refers to as the “3 F’s.” He has a supportive wife named Jill and two accomplished daughters named Taylor and Payton. In his leisure time, Jon enjoys playing golf and pickleball, and he is a passionate soccer fan, particularly of the Austin FC team.

Aaron Bickart

Executive Vice President / General Manager

Aaron Bickart is a recognized senior leader, entrepreneur, and award-winning sales and marketing professional with over 30 years of success in the multibillion-dollar automotive industry. Most recently, Aaron took over as Executive Vice President and General Manager of OfferLogix, the pioneer in lease and loan payment advertising for car dealers, OEMs, and online portals. Over the last year, Aaron spearheaded GTM strategy, website development, SEM, social media, and new product development. During this time, Aaron simultaneously drove significant revenue and performance of Team Velocity, a high growth marketing and advertising company.

Throughout his progressive career, Aaron served in vital leadership roles, including Executive Vice President of Sales Operations and Senior Vice President of Sales (Team Velocity), Director of Sales and Dealer Operations, Automotive Business Consultant, and CRM Sales Specialist for The Reynolds and Reynolds Company. Aaron holds a significant track record of cultivating and maintaining productive partnerships with Cox Automotive, Data Aggravators, and Nexstar and helped assist in creating major OEM endorsements with Honda, General Motors, and FCA. Aaron is a well-known innovator, motivator, and changemaker reputed across the automotive industry by Tier 1/2/3, OEM, and Top 100 Dealer Group connections. He possesses an advanced technical mindset and history of devising and implementing cutting-edge solutions that drive business success during economic downturns and uncertain futures.

As a family man, health enthusiast, and foodie, Aaron enjoys spending time with his wife and three kids, working out, trying new restaurants, and living by his favorite saying, “live your dream.”

Paul Appelbaum

VP, Business Development

Paul is the VP of Business Development for OfferLogix. Prior to joining OfferLogix, Paul spent the previous 8 years working in Sales and Business Development for a Digital Marketing and Technology provider in the Automotive space where he managed large partnerships and agencies. Paul successfully maintained and grew the relationships over the years and was considered a key team player in the successful growth of the business. Paul is the consummate professional and often found talking and negotiating with C level partners and vendors. His professional experience and unparalleled commitment to his customers make him an invaluable asset to OfferLogix. Prior to the Automotive space Paul spent 15 years on Wall Street where he held Senior Managing Director positions in Equity Trading, Institutional Trading and Investment Banking. One of Paul’s fondest memories was organizing and Co-Chairing the annual Spring Wall Street Charity Fund golf tournament which raised in excess of over $1 million over a 15-year period.

Paul loves spending most of his spare time with his family, living a healthy lifestyle and golfing with good friends. Over the years Paul has been very active in charitable organizations and his local community.

Paul earned his BA in International Affairs with a concentration in Economics from The George Washington University.

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