It’s recommended that financial institutions gain a new perspective as the relationship between Americans and automobiles changes. Disruptive forces are currently reshaping the auto lending market. Think of all of the recent developments from self-driving technology and shared vehicles, to ride-hailing and online-only dealerships. All of these factors and possibly more will significantly change the relationship between Americans and their cars and how they are financed. Financial marketers will need to adjust their auto lending strategy by shifting the emphasis in auto indirect lending (at-the-dealer) to a more direct approach.