Innovation, Regulation and Fairer Decisioning
Motor finance is in the middle of a quiet reset. Not a sudden disruption, but a steady rethinking of how risk, affordability, and fairness are measured in practice.
Traditional models often struggle with real-world financial complexity, particularly in the non-prime segment. At the same time, regulatory expectations around explainability and responsible lending are increasing.
This webinar will bring together perspectives from across the industry to explore how lenders can improve decision quality, better understand customers, and build more transparent and evidence-led lending models.
Our expert panel will dive into essential questions, including:
Why non-prime customers are often misclassified as high risk
Why affordability remains the weakest link in many lending decisions
The growing importance of explainable, evidence-led decisioning
How better data and technology can support fairer outcomes for customers
The biggest challenge in car finance today is not risk itself, but how risk is measured and explained. Improving decision quality requires better data, clearer affordability evidence, and models that reflect real financial behaviour rather than simplified assumptions.
Director of Motor Finance and Strategy at Finance & Leasing Association
Adrian Dally is Director of Motor Finance and Strategy at Finance & Leasing Association, where he represents lenders across the UK market. He works closely with regulators and policymakers on key industry issues. His role focuses on policy and market dynamics, giving him a clear view of how motor finance operates in practice, particularly as affordability, transparency, and customer outcomes come under increasing scrutiny.
CEO at Fignum
Andrew Lloyd is CEO of Fignum, where he focuses on how financial data is used in credit and affordability assessments. His background spans fintech and data, with an emphasis on improving consistency in lending decisions. He works closely with transaction data in underwriting, including how income, expenditure, and financial behaviour are interpreted at scale.
Chief Operating Officer at Finclusion
Dan Frodsham is Commercial Director at Finclusion, where he works with lenders on credit and affordability decisioning. His experience spans credit risk and the practical use of data in lending processes. His work focuses on applying consistent approaches to affordability across different customer types and data sources, giving him a clear view of where processes can break down, particularly in motor finance.
Commercial Director at Sikoia
Sikoia Ltd is authorized and regulated by the Financial Conduct Authority (FCA) as an Account Information Service Provider (AISP) under the Payment Services Regulations 2017 (FRN: 942979) and as a credit reference provider (FRN: 942616). Sikoia Ltd is a credit broker and not a lender. Credit is subject to status.
