#424 - Reducing Repos with GPS Technology: What Independent Dealers Need to Know

Specifically, what the integration allows is, as soon as the GPS in the vehicle identifies

that somebody is at the car trying to start the car, there is an attempt to start what

we call an attempt to start in a vehicle that is disabled.

Integration immediately sends notification to the payment processing, let's say Blitzfee

in this case.

Blitzfee will send a text message on the spot to the customer saying, hey, you cannot drive,

here's the reason, and here's the way to pay.

And as soon as they pay on the spot, they can click a link, they can pay with Blitzfee,

close the loop with it to run, and we send it in Able command to the vehicle.

Hello and welcome to the Ida Pendant Dealer Podcast.

Luke, not often do I get the opportunity to talk to a CEO of a $1 billion company.

I know, and that awesome, and he's the investor relations guy.

So Ida Ron, our sponsor, is a publicly traded company, and they provide the best GPS service

on the planet.

And today we have Ariad, just for a few minutes, to talk to us about GPS technology and what

dealers can do better and what we should be doing, right?

Hi guys, it's an honor, honor to be here.

Yeah, it would be more honorable had you told me back in May of 23 to buy stock, but I guess

we weren't friends back then, I don't know.

Well, I mean, I could have, but then I will be probably in jail by now, so insider trading.

I'd rather stay on there, you know, I like my wife, I want to.

Oh, that's funny, that's funny.

Ariad, no, thank you for joining us, man.

So what I want to know is there's so many new things happening in the world of the

GPS's and I don't have my finger on it, because honestly, I'm kind of a set it and forget

it type of guy.

So I'm probably way, way behind the curve.

So catch me and other dealers like me up to speed.

What is new in the world of GPS?

How have you guys integrated like, you know, the big fancy AI word into things and made

GPS smarter and better for dealers?

Yeah.

Well, thank you for that.

That's a good question and definitely one of the things you said of set and forget, I

want to go back to it later on because that's a soft point that we see in the industry.

But back to your question of what's new in GPS and I'm trying very hard not to use the

titles of AI because we all hear it all the time, but how do we really translate that

into things that we can do on a daily basis?

And that's exactly what's new in the GPS world.

So we're talking about smarter actionable alerts or what we call CBE, critical business

events.

What are the, how can the GPS system identify, you know, through big data, through unfortunately

or fortunately AI systems, how can we identify those actionable items that dealers should

know about and they can take action quicker?

By the way, it's everything at the end of the day funnel into how can they be more efficient

and save money, right?

That's the bottom line.

How can we have less losses, recover quicker, know where our customers are?

You know, GPS is a location only, location is commodity today.

This is old news.

What's interesting today is those unique events that you are able to identify and then take

action upon and only at that point it's become interesting with integration.

If you don't mind, I'll give you a few examples.

Accidents.

GPS should alert you when your vehicles are being involved in an accident, but it's not

stopping there.

It's not only with the vehicle.

Let me ask a question on that.

How does it know?

Are you talking about a GPS that's hooked into like my OBD2 that gets some sort of engine

data or are you talking about like, these GPS's have impact sensors in them and they

know if they have a sudden stop?

Well, it's not only a sudden stop.

You are correct.

There are sensors within the GPS, the device that you're installing your vehicle that can

identify any movement to the milliseconds through a lot of research and different threshold

depends on vehicles and truck behave very different than a regular vehicle, let's assume.

We can identify when a vehicle has been involved in an accident.

By the way, being part of Ituron and you're correctly saying, you know, Ituron is a worldwide

company with over 2.6 million subscribers or active customers all over the world.

A lot of them are coming from different businesses than what we are used to either buy or pay

it.

Fleet management, asset recovery and so forth, so a lot of the technology that we employ

within our buy or pay your product comes from other industries.

So accidental notification, for example, is a great example for that.

So yes, the GPS in the vehicle can identify when a vehicle has been involved in an accident.

Now, what you do with it as the dealer relies on your processes and procedure.

Yeah, because let me tell you our processes and procedure.

And you're talking about this integration, I just get a report once a week and I never

look at the report.

So tell me how I should use that area.

Okay, so, you know, there is on any event there is a first, as you said, notification.

If you don't look at the report, you don't look at the report, that's a problem, right?

But when there are more sophisticated way to triangulate information, for example, if

you triangulate the accident notification with immediately after atoning and then an

impound message, meaning a vehicle was involved in an accident is now told into a specific

impound, you really just have to act.

You call if you have a CPI, I mean, what we see unfortunately a lot is dealers that do

have CPI on their portfolio, but they are not necessarily following up on their notification

only to find the vehicle was either repair or just dropping a body shop not on the under

their CPI, and they need to kind of eat the bill much bigger bill than what they could

have done.

This is what I'm saying the CB those critical business event that you want to be make sure

that your system is alerting you.

Now, how is this alerting you, there are very different way of doing it.

I think I want to touch on on the most important one, which is really integration.

And again, following Jeff question of what's new, the level of integration today between

system in general and specifically GPS and other systems such as DMS dealer management

system or payment processing is what makes a big difference.

If you are integrated, and you are working the account or not even working the account,

it now you can put a person just just like you're working on a queue of the liquid seat,

you can work on on a queue of CBE of critical business event that show me those that were

involved in an accident, show me those customers that tempered with the device and tempered

is not like saying there is a power issue.

We're talking about again, we go back to this triangulate of different data points to understand

what makes an installation problem separate than a temper because you definitely want to

jump quicker on those tempers devices and do something.

I'll give you another one if you if you if we're talking about integration that we introduced

that, you know, probably over a year and a half ago and has a huge success for those

customers that are utilizing it through integration with payment processing.

And we're integrated each one is integrated with several different payment processing,

but specifically, let's let's talk, let's say about Blitzpay, which we are very proud

on the integration with them. When a vehicle is in a starter disabled status, meaning the dealer

decided that from a collection point of view, this customer reach a point where you want to

disable the vehicle. We all know, start disable a great communication tools, you know, that will

make the customer calls you. But utilizing starter disabled come with a lot of compliance

as well. We can touch on that as later on. Specifically, what the integration allow is

as soon as the GPS in the vehicle identifies that somebody is at the car trying to start the car.

There is an attempt to start what we call attempt to start in a vehicle that is disabled

integration immediately send notification to the payment processing, let's say Blitzpay in this

case, Blitzpay will send the text message on the spot to the customer saying, hey, you cannot

drive, here's the reason, and here's the way to pay. And as soon as they pay on the spot, they can

click a link, they can pay with Blitzpay, close the loop with it to run, and we send it in able

command to the vehicle. Wow, automatic. That's, that's impressive. And if you think about it,

it's impressive, impressive in different level. It's not only that you just collect on a payment

without making any collection call without any without bothering any of your people or

investing time into it. You also are able now to collect 24-7. There is no more, I want to drive

it 2 a.m., but nobody the dealership is answering or even if I use an online payment, it will take

time until we get the the enable command sent. That's the problem is someone gets on and pays

and you don't know until the next morning and then you got to go re-enable it. So

from the beginning, let me ask, and this is probably a question I know the answer to because of

compliance, it won't disable if they miss a payment, right? Is it set up to automatically

disable a customer's car if the payment's not made? So you're taking us to a completely different

important chapter in integration called business rules. So the whole, the nice thing about

integrating a GPS system with let's say payment processing is that you can also dictate

your specific business rule. You can utilize the automatic system in the integration just

like you give commands to your collector. So if you are a person that for example would like to

send a payment reminder after one day late or five days late and then a second payment reminder

after another two days or so forth, you dictate that to the integration and now you have the

piece of mind knowing that all accounts are going to be treated the same. It's no longer,

well, I remember this customer, he was rude to me in the past, I want to disable his vehicle now.

They all are treated the same. To answer your question about the disable, yes, you can automate

an automatic disable. I can also share with you without going into details that majority of

dealers do not do the automatic disable. They are utilizing the automatic for the payment,

meaning as soon as the payment comes in, the vehicle will be enabled. But I think it's good

practice to keep the disable into a different level. Sometimes you want to review it, sometimes

you want to give maybe another chance. When you disable a vehicle, as we know, it's an act of

almost repossession and actually in several states it's considered an act of repossession.

So you want to know that you have all your everything is done correctly?

Yeah, that's it. We talked about this, but disable is such a key tool for communicating

patient and it's so helpful for consumers not to pay that repossession fee, right? And that's

where some people get, you know, if you're really willing your people to continue to be in their

car and, you know, I pay here, customers don't like to communicate, use it for that. And I know

with all these features, like I can't imagine a customer not even having to call my office to

to get their car re-enabled. I mean, that's fantastic. And yeah, I didn't even have to

communicate with them. That's what I was trying to get them to do. They pay. It's also, you know,

the legislator and like stack very, very much because in a way you have a system,

a proven system to show that the responsibility is really on the customer. They can drive whenever

they are at 2am, 2am. That's right. Think if they had to go to work or to the hospital and

all of a sudden they can't create their car, all they do is pay and boo.

Hey, sorry to break in real quick, but make sure you guys know about Buckeye,

longtime awesome sponsor of the podcast and who I use for all my reinsurance products.

I can't thank them enough for teaching me so much about reinsurance over the years and

coming up with new products and new ways to get my portfolio secured. My customers have options

of warranties and service contracts, gap. I think it's just been great, Jeff. It's absolutely been

a great way for me to build wealth, put away some money. So if you are a buy here, pay here,

lease here, pay here or retail dealer, it works for all dealers. You can set up a reinsurance

company. You can insure your own stop giving money to those third party providers that aren't

going to cover your stuff anyways. Keep it in house, call the guys and girls over at Buckeye,

risk services and get set up ASAP. All I can think about is that integration with my payment

platforms, more AI, it seems like I'm getting to the point now where I can use AI to communicate

at day one, day two, day three, day five and have a series of conversations. But then by day five,

I have an automatic trigger to your car shuts off. It just seems like I'm really making my one

collector so much more effective because so many of these base level decisions and even the decision

to shut off a GPS, if you get to day 10 without a promise to pay, it just gets turned off. That's

just the rule. It would be really interesting just to automate all of that and take all the human

decision and all the human headache out of it. Absolutely. But then there is even an extra level

on top of it and this is the service that the GPS company provides. Again, I can speak about

ourselves. When you have a 24-7 customer, live customer service, we follow, again, go back to

the business rules, the business rules of the dealers. So dealers can tell us, for example,

hey, if one of our customers is calling and giving you whatever story they want to give you,

doesn't matter why the car needs to be enabled, we authorize you in advance to enable the vehicle

for 24 hours and just let us know in the morning, we'll reach out, we'll make the payment arrangement

if they can make it or make a decision if we want to continue to disable or not. But this

extra layer of protection in a way, compliance protection is also super important. At the same

time, we mentioned that at the beginning, utilizing Star Disabled does bring a more

compliance complexity that a dealer needs to know about. And a lot of time, the system provides

that. For example, I can speak about the e2run system and our compliance module. It won't allow

you just to send a Star Disabled if this location that the vehicle is at is blacklisted. Think

an Indian reserve or you're not allowed just to use it. Your identification, first of all,

the integration won't send comments to those areas. We will verify location first before we

send Automatic Star Disabled. And if you're doing it manually, you'll be notified. Are you sure you

want to send a location? This is the reason why you cannot. Obviously, at the end of the day,

the system could be... Yeah, I mean, that's really neat. I have a rule we don't disable unless the

car is at a known address of a customer, right? Because I don't want it sitting other places,

but this takes that an extra level because I wouldn't even think about

reservation where you can't do it. Yeah, that's interesting. Talk to me because I have an issue

with starter interrupts and we don't need to beat this horse too hard. But I don't like the idea of

shutting off someone's car at their house because I know five minutes later, they're going to have

their neighbor over there with a screwdriver and how to tamper with it. And because they know what

it is, they're just like, well, let's go around the starter interrupt. So obviously, it's a very

fair concern, I think. And a lot of dealers do have that concern. And I'm not here to say that

it's not happening. But again, technology is there to either protect you or at least notify you when

something like this happened. What I mean by that is that in the right system, in our system, for

example, you get immediately notification when somebody is actually tampering. I not necessarily

agree with you. I'd rather disconnect the car at the customer's house. That's actually a good place

to disable a vehicle because you know where the vehicle is, he knows where the vehicle is,

he wants to correct the situation. But if somebody is tampering with it, then first of all, you'll

get the address where the vehicle was tampered so you can verify. But more importantly, the system,

or our system at least, will let you know of what we call an unauthorized drive. So if they do

disconnect the device and are now driving, in many times the technology is built in a way

that people that are looking for the right wires disconnected from the ignition,

but we still can send a message to say this vehicle is now driving and it shouldn't drive.

So you have more abilities to obviously to step in and take action. At the end of the day,

if somebody is tampering with the device, in order to resolve it, you have to take action.

Is there anything about the locations that you're doing? Because I could imagine a world where

if I had some sort of AI just constantly looking at the locations of my customers and saying, hey,

this is out of the normal. Here's their normal pattern on a Monday through Friday,

nine to five, and all of a sudden they are somewhere they shouldn't be, or the car is

somewhere it shouldn't be, and it's still an address, but maybe it's not work anymore,

or maybe something just out of the ordinary. Do you have those like pattern recognition type?

So the whole trends and again, big data is something that is coming up very big and already

implemented in the system. It starts with mileage. Think about just regular mileage driven.

You have, when you look on an account on the snapshot, you really look just to see what it is,

you always see how this vehicle has been behaving in the last three months, in the last 12 months,

and how is it behaving comparing to the rest of your portfolio? They're driving more,

they're driving less, and now we care mainly on those extreme cases, meaning either excessive

mileage usage that can obviously identify maybe it's a car sharing vehicle that you

necessarily want, or the opposite side of vehicle that are not being used at all,

because that means it may be somebody that just dumped the vehicle, a voluntary position that

they don't care. We see a lot of those at the side of the road, so to re-identify a vehicle that is

not moving for over X amount of days, and it's on the side of the road, obviously that's one of

the things that we want to alert on. In regards to parking location, your question, then again,

the answer is it makes a big difference when you know what are the top five parking spots of your

customers are, and if there's any change in those. I always try to show collectors in this aspect,

even when you're just really working the account. You should look where this vehicle

is parking on a regular basis, because it tells a lot about the behavior and the profile of the

customer. If I'm looking at Luke's account and I see that the majority of his parkings are in

his home, and let's say in his office, he's in his regular behavior. I'm less concerned,

he's trying to do the best, but then if we see a lot of stops in a casino, well, first of all,

let's verify he's not working at the casino, but that's something he's not working at the casino,

then it might bring him a higher risk level to the account, especially if they're late or if

they've broken promises and so forth. So the track where their park is super important.

Well, the dump track, yeah, they went out to the dump track and they're there.

Trying to make the money for the payment, but we all know how that goes, right?

Or driving it like crazy Uber or, you know, trash or whatever.

My competitor's locations, you know, are they dropping in because they're trying to trade it

in somewhere like that. So, you know, obviously, this is a very good point that should be utilized

by all dealers, you know, the concept of a geosome and a landmark. So a landmark in our lingo,

you have unlimited locations that you can call points of interest and to be notified if vehicles

are being there or parked there during the day. So we try to help the customers to put their

portfolio, but it's not only the impound lots or the insurance total loss slots or the auctions,

but definitely competitor is one of them. If you identify one of your vehicle in a competitor lot,

it means it will trade it in, probably. And now, are they just waiting for you to find the vehicle

or are they really going to reach out to you and pay you? You know, be the first one to reach out.

Because there's been plenty of times for cars that have left at new car stores and they didn't

bother to pay us all. Absolutely. Yeah, that sure happens all the time.

Well, Ariad, we're taking up a lot of your time. What are some part notes that you think dealers

should really focus on when it comes to GPS use that maybe we aren't thinking about?

You know, when I go around, when I speak to dealers, there is one thought or best practices

that I definitely want to share, but you'll see it actually has nothing to do with

only GPS. It has to do business in general. And that's to audit and to verify processes.

Too often, unfortunately, we see business owners that are spending their time,

they are learning the technology. I go back to my first comment about Jeff's kind of like set and

forget. A lot of businesses work in this set and forget point of view, but there's new people,

there's other people and they're not utilizing the technology correctly. They're paying the money,

but they're not utilizing it correctly. And return of investment is not only what you pay on day one,

but actually what you are able to bring back. So I encourage dealers to either assign a person or

do themselves to ask questions, to audit the processes, to reach out to their vendor. We

encourage, for example, our dealers to reach out to us and say, hey, can we have a retraining?

Let's do it on a quarterly basis. Let's do it every six months. Let us train your new people

to make sure that you are actually utilizing all those critical business event and smart reports

and actionable integration and so forth. So I always like to say that the most dangerous

thing to say in business is, oh, we always done that the way it's, no business owner should accept

that. We always did it that way. Yeah, we always did it. Or what can we run? I like that. Of course

they do it that way. Of course. Of course we did that. They are, but they aren't. I've been in too

many situations, unfortunately, where even things that you thought that people are doing correctly,

you realized they're not. And then you kind of go, oh, why did you not look at it to it?

So let's look into it in a more organized manner, if you will.

Well, that's great. Thank you for being on with us and have a great day, Ariane.

Thank you, guys. Anytime. Happy to be here. Take care.

All right, Jeff. Sorry to break in, but we got to talk about putting money in the bank.

And how do we do that? I do it through BlitzPay. The guys and girls at BlitzPay are

great, amazing, attentive on top of it. I have had little to no issues since I switched over from

that other company. Of course, to me, they're probably the best services when it comes to

answering phone calls and taking care of things that I've ever seen a vendor.

And the back-end automation, I've actually been working with that for a couple of

dealers here lately and going in and changing up these automated texts that go out. Super simple.

They work. The customers click and pay. It's fantastic. And also, they got this AI thing,

Jeff. Pretty cool. Yeah, I'm stoked. They got the audio AI, the phone caller, and hopefully very

soon the texting version of that. So it'll help my collector be way more efficient in the future.

I'm super stoked to see the AI get integrated into the collections process, and BlitzPay is on the

cutting edge of it. So if you're taking credit cards at all, whether you're by here, pay here,

lease here, pay here, even retail dealers can take advantage of this and use BlitzPay for their

credit card processing, incredibly competitive rates, super easy interface, call the team over

at BlitzPay and move your credit card processing today. Jeff, that was a great interview we just had.

Yeah, it really does make me realize that I have been with my GPS company for so long that we,

and it's literally just a locate, and I only use the wireless. So that's, unfortunately,

they are limited in their technology because they are a locate only type device for the most part.

It makes me think, okay, do I need to relook at that starter interrupt situation

because I am getting into a more expensive ACV, but I'm not necessarily getting a better customer.

So I still don't think that these customers are going to be really put out when they know, hey,

if you buy a car from Four Seasons, they have the ability to cut off your ignition whenever you

don't pay. Yeah, I think that's not going to hurt my sales. No, it's not at all. It's just such a

key, that didn't say, well, it's such a key piece of communication, and I'll just say that again.

I'll tell you one thing, people will talk about, and I think Iteron probably has the best, most

reliable GPS out there. I've used several of them, and I think it is the best.

The thing that goes wrong with GPS is, Jeff, are isolations. Yeah, and I talked to Jack Carter

about this years ago, and he's just said something so interesting. The amount of time we take to

put in a GPS is worth every penny of it because we never lose one, and so many dealers are just

slapping them all, and oh, we get hours done in 30 minutes. Well, okay, 15 minutes. Okay,

what's your failure rate? Yeah. So it goes all back to process. So I think that

if you take the time to install it properly in the dash, like really hidden behind the radio,

behind the cluster, buried as deep as possible, you'll never have problems with it.

Yeah, it's really hard, and that's what I struggle with, and anyone listening to this that does the

same model I do, which is a buyer pay here retail hybrid, I'm not installing the wireless until the

point of sale. So my salesmen are just going out there and dropping it in the headliner,

or the door panel, or the center console, and that has its own inherent risks. But for me to go

prewire a whole bunch of cars where I'm selling 70% buy here, pay here, and 30% retail would,

I mean, there's obviously a handful, like an obviously identifies buy here, pay here cars,

but then you start saying, okay, does it have a GPS? Does it not? Does it need one? Do we need

to tell the customer to come back because it takes an hour to hardwire it the right way?

Now I need a technician that's capable of doing that because my guys are already swamped just

trying to get make ready. So the whole concept is very daunting to me, but the payoff on the

collection side is so huge is where I need to stay focused, especially when it's automated.

That automation situation would be incredibly handy because shutting off a GPS scares me because it

creates such a hassle. It's like, do I'd rather repo the car and have them come here and deal with

me than for me to shut the car off and then have to worry about it, then have to check in on it and

then have to restart it so that it's not sitting in their driveway because it blocked in their

husband's car who can't get to work and like all the nonsense that comes with that. It's really

not that much nonsense that you're making out to me, but it's not, I promise you. But you know,

that is an interesting situation. We always, when we were buy here, pay here, we always

wired the car as soon as during the recon it was done. And you know, it's part of our processes

and procedures. And what's funny is we started having an issue where GPS was not working. So

I was like, uh-oh, we have a new guy, a new make ready guy who's installing every GPS.

I know how they're supposed to be done. How are they actually done? So to audit my processes

and procedures, I went out there and I watched him and I go, of course they're not working

because he was just slapping them over there. He was putting them where they could get wet.

We had a couple of them come back just flooded in water and you're like, wow. Oh my gosh,

how many cars have I lost because we didn't take the time. I didn't audit the process and the

procedure to make sure it was done right. Yeah. And so many people tell us just failure rate.

Like, no, they're not feeling like you think they're. So let's talk about that. And we mentioned

that process and procedure, but it applies to, I mean, we could talk about everything in your

dealership. But give me that example of what are you doing to make sure that those processes are

carried all the way down to the front line because I feel like if I just show up and I sit over

someone's shoulder, 99% of the chance they're going to be doing it the right way because I'm

sitting over their shoulder. Yeah. You have another way to make sure these things are getting

all the way to the front line and being done consistently. Number one, you should be training

your managers on the process. And then if you're not a huge dealership, you need to be auditing

all those procedures. And it's not like going out there, you can go out there and watch them

because their manager may have trained them improperly on the procedure, right? You can retrain.

What we did years ago, and this went away when we lost the salesperson, and I finally figured

it out later because the process broken. I had an audit checklist every time you sold a car

that you had to check off. It was about 10 things that you had to check off that you did.

Well, it's easy to go back and verify that what they checked off was actually done.

Yeah. And when we were following that procedure, everything was signed properly.

We were asking for the review. The reviews went up. They were checking the GPS

before it left the dealership to make sure. Oh yeah, like actually pinging it.

Pinging the GPS, disabling the GPS, making sure all this was working before they left the dealership.

And there was four or five other things they had to do. One was best. You know, so these are things

that you can have a checklist to make sure your processes and procedures are being used.

Whoever signs off on the checklist, as you do during recon, the final drive needs to be a

checklist. They need to check everything. It has to be signed off. You can pull those sheets,

go and spot check a few cars yourself, and verify that the person doing the job actually did the

job. Yeah, that's really smart. I mean, we've got a similar thing, and I don't have a deal

jacket here, but on the front of my deal jackets, I just have a big sticker that goes on there and

I've got those little check boxes and initials. And so yeah, the salesman is supposed to

go through and check all those things, initial it. And if you tied that to their commission sheet,

or however you're, you know, if you're doing a commission stub or something like that, guaranteed

that's a way to get it done, or to make sure that it's getting done. But even within that,

you do still need a spot audit too, right? I mean, are you doing something like that?

Yep, you do a spot audit. You do four or five deals a month just to make sure it's done, right?

And you'll find a trend because something's just being done their way instead of the dealership's

way. So you just have to retrain it. Figure it out a way to shortcut something. They always will.

In the shortcut, that's just people's nature. They're going to shortcut it. But the shortcut

is really costing the dealer a lot of money. They'll know it. We're doing a couple of my clients

right now. We're doing post mortems or reposts. Trying to figure out, you know, we all say we

have a underwriting protocol and this is everything it should look like, right? Well, what you find

is that leaks over the years, right? Well, we were six months on the job. Well, you know,

last month, actually, half of your approvals were three months on the job. So something leaked there.

So sometimes you have to go back and do a whole post-mortem on everything. You can do a post-mortem

or repost, do a post-mortem on recon. All these things to figure out where the problems are,

then you just have to go back and retrain. And I know it's terrible and it sounds daunting to a

dealership owner or manager, but it's just what you have to do. Yeah, absolutely. Well, this has

been great, man. A lot of good information for me and good reminders of things I need to go back

and do. So I've got my sticky notes here with a bunch of action items. So hope everyone else did

too and excited to talk to you guys next week. See you.

#424 - Reducing Repos with GPS Technology: What Independent Dealers Need to Know

About this episode

GPS

Blitzfee

CBE, critical business events

big data

location is commodity today

impact sensors

fleet management

asset recovery

payment processing

payment reminder

repossession

Buckeye

warranties and service contracts

gap

buy here, pay here

promise to pay

known address of a customer

mileage

top five parking spots

impound lots

vendor

we always done that the way it's

BlitzPay

AI

credit card processing

install it properly

hardwire

auditing all those procedures

spot audit

recon

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