AI in auto finance in Mexico: the use case to start with and the one to defer
An assistant for the dealer network and after-sales with the brand’s identity; a first contact for preventive collections that informs and schedules, without negotiating.
High value, available data, no decisions about people
An assistant for the dealer network and after-sales with the brand’s identity (catalog, policies, procedures) and a first contact for preventive collections that informs and schedules. It never negotiates or decides.
Credit scoring and lending decisions.
What is already happening in the sector
Captive finance companies granted 79% of auto loans in Mexico in 2025, with 1,105,326 vehicles financed (AMDA). The parent company’s AI policies set the rules, and delinquency is rising.
What the committee will review
Data the first use case touches
Catalog, policies and procedures; masked contact data.
Regulator and obligation
Captives are regulated non-bank lenders or regulated entities: CNBV third-party rules and Condusef apply. For subsidiaries of European groups, credit scoring is high risk under the EU AI Act from December 2, 2027.
Who decides the purchase
Head of risk or operations at the captive, with global corporate technology and compliance.
Deployment option
A, with the architecture documented for the parent company’s approval.
What auto finance leaders ask
How does an AI project get approved when the parent company decides?
With the evidence file the parent already knows: impact assessment, model card per version, audit log and exit plan, mapped to the frameworks it uses (NIST, ISO 42001, EU AI Act). The perimeter answers the data sovereignty question before it is asked.
Other industries: Insurance · Financial services · Telecom and media · Fintech and payments
Discovery sessions, no commitment
With technology, compliance and two process owners. Includes an offline demonstration prepared for your sector, without using your company’s data.
Inventory and obligations
Data in four levels and a first review of what your sector requires.
Three candidate use cases
And the Assessment proposal. The Discovery is credited against the Assessment.
Founding clients program
Three seats, with an explicit discount in exchange for a publishable case and a reference.
Terms
Discovery and evidence pilot at no cost, Assessment at a discount, in exchange for a publishable case, a reference and feedback. Continuous operation is always paid at list price.