Over the past year, insights have been shared by Marguerite Watanabe on the evolving fintech marketplace with a focus first on the fintech providers and their value propositions and next with the gaps from a consumer’s viewpoint. This presentation will focus on the challenges and opportunities from the captives, banks and non-prime auto finance company perspective. Marguerite will have an interactive dialogue with Andrew Stuart, President & CEO, TD Auto Finance, about what the auto-finance sources have been able to implement to date and what is needed going forward to improve the customer experience.