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Consumers shopping for and financing a new or used vehicle have more choices than ever before. Empowered by digital delivery channels such as self-service and mobile, individuals are now able to rapidly find the vehicle and loan that best fits their needs. In this environment, a growing number of new market entrants are jostling with traditional lenders to acquire market and mind share. The winners will be those organizations that are able to consistently deliver a fast, painless and compelling buying experience.