To obtain an understanding of how its service and product offerings measured up in the marketplace, this automotive lender engaged Emercent to conduct a benchmarking study of its peers by interviewing other finance companies, as well as their dealer constituencies. Emercent baselined the lender's performance and conducted strategic, blinded surveys to gather comparison data. Then, through analysis of the data, Emercent recommended areas of improvement and excellence as well as industry best practices.

To stay competitive in the marketplace, this captive lender engaged Emercent to define their Consumer Internet product strategy. Through industry benchmarking, customer interviews, internal evaluations, and leveraging its own proprietary intellectual capital, Emercent defined an approach that ensured customer satisfaction, organizational efficiencies, and loyalty.

Data is an organization's most valuable asset. However, when disparate and inconsistent data exists in an environment, its value is lost. Emercent worked closely with this lending organization to centralize, normalize, and create a single source for their vehicle, customer, and dealer data. Through the creation of an abstract data model and data source, Emercent built a solution that serves as the foundation for dealer relationship, customer relationship, and campaign management. It also serves as personalized content management on the Extranet and Internet. In addition, a single source of accurate vehicle data (including purchased source data and manufacturer data) was created for use on the Extranet, Internet, and throughout all internal systems.

A major automotive lender wanted to integrate directly with its dealers to gain a competitive advantage while leveraging organizational efficiencies and strengthening dealer relationships. Emercent was engaged to design, build, deploy, and manage a multi-year, multi-million dollar Dealer Extranet initiative. This effort began with a strategy definition and technology assessment. From there, Emercent created online credit application submission, application tracking, online funding, bulletins, personalized content, electronic dealer reserves, integrated maturity lists, payoff quotes, and online turn in. The complete solution also featured distributed security management and redundant hosting. Using a phased approach, Emercent designed, built, and deployed all of the functionality. We also handled organizational change, process re-engineering, promotion, rollout, internal/external training, and on-going success metrics insuring successful adoption across the organization.

To leverage efficiencies and increase dealer satisfaction, this market leader engaged Emercent Solutions to create an eContracting solution to offer on its Dealer Extranet. Emercent designed, built and implemented a solution that integrated with the credit application, as well as current program rules to allow dealers to enter all necessary contract data online. The system validated contract data based upon organizational business rules, created populated online contracts (state and product specific), and allowed dealers to submit and track contracts electronically.

This finance organization wished to gain the efficiencies associated with electronic integration with its partners. Previously receiving only paper contracts, our client engaged us to create a transactional interface based upon XML standards that allowed partners to supply warranty contract information electronically. This data was validated, transformed to include disbursement calculations, and then automatically populated into the lender's systems. Imaged contracts were created dynamically for electronic storage, and funding confirmation data was sent to the partners electronically. This solution saved our client money, was faster, more efficient and lowered risk.

A major automotive lender wanted to re-engineer its end of lease processes and implement supporting systems to decrease turn times and increase vehicle value. Emercent was engaged to analyze the current systems and processes, compare these to industry best practices, and then, create strategic recommendations regarding potential enhancements. As a result, this client had more strategic options to decrease turn times and increase vehicle value.

An Executive Insight System (EIS) is an asset when information is easily obtained, analyzed, understood and acted upon. Emercent was engaged to create an open data model to meet those needs. Internal portfolio data was aggregated and centralized with purchased data to create the EIS. Once the data repository was constructed, Emercent created an Intranet EIS system that allowed executives to monitor performance and make critical decisions based upon internal and external factors. Additionally, the solution was WAP-enabled to allow traveling executives to gain access anytime, anywhere.

To ensure consistent, branded communication and interaction with its dealers, this manufacturer engaged Emercent to define its global portal approach. Emercent Solutions defined the necessary personalization, content management, security, dealer data, application architecture and toolsets, interface, portal strategies and requirements that were then rolled out to all subsidiaries.

This automotive manufacturer needed to offer a unique experience with their web site establishing electronic relationships with current and future customers. Emercent designed the strategy and built an Internet solution that allowed customers to configure their desired vehicle, search for vehicles across aggregated dealer inventories, calculate payments, select a dealer, and apply for financing (tied into the dealer's extranet solution).

A national automotive lender wanted to retire its existing portfolio management solution. Emercent was brought in to define the requirements for the new solution, conduct a buy vs. build analysis-including resulting vendor assessment-determine industry best practices and identify implementation options. Ultimately, Emercent managed the implementation and resulting organizational process change. Our experience paid handsome dividends to the client in the form of a smooth, well received solution.

Automotive lending is becoming increasingly competitive and automated. As dealers and customers expect more and more, it is critical for lenders to utilize technology to gain organizational efficiencies, deliver better service, and directly integrate with customers and dealers. Emercent Solutions was engaged by this organization to define a strategy to employ technologies to maintain competitiveness and build the supporting infrastructure. Emercent defined the critical project portfolio in alignment with the business' goals and developed the resulting IT strategy required to achieve these goals. In addition to defining channel strategies, Emercent also defined the necessary organizational hierarchy, governance, standards, methodologies, processes, skill sets, training plans, and technical infrastructure.

Emercent was engaged to assist this organization with the electronic interfacing and data exchange of more than 30 critical vendors including lock box, insurance verification, titles, check printers, letter printers, and auctions. Emercent created mission-critical interfaces that enabled the electronic exchange of data between this organization and its critical suppliers.