Voice of the Industry: Emre Ucer, Managing Partner, Moto Holdings LLC

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Moto Holding incubates, invests in, and actively manages disruptive specialty finance and financial technology ventures in powersports/motorcycle verticals that are leaders and innovators of the industry. Its reciprocal partnerships with financial institutions provide Moto Holdings companies with access to deep pools of capital to execute on their strategies.


The prize of its portfolio is MotoLease, the country’s largest powersport and motorcycle leasing company. In building MotoLease, Ucer and his partners had a vision to disrupt the powersport finance industry by offering unparalleled ease-of-use for customers, efficiency for its team members, and competitive advantages for its vendors.

It was MotoLease’s commitment to this vision that led it to adopt transformative digital lending technology. The company’s digital transformation journey helped drive MotoLease to own more than 75 percent of the lucrative powersport and motorcycle leasing market.

Ucer joined eOriginal to discuss the state of the digital transformation of vehicle finance, and the growing role of technology across the buying process and the financing ecosystem.


What is the key to building an end to end digital lending system?

The digital ecosystem should take the customer and consumer experience to the center of all processes. At the end of the day, the technology only matters if it makes things faster, easier, and more convenient. The financing experience as a whole, including application, approval (instant credit decisioning), document verification (stipulation confirmation), contract generation (eSignature contracting), funding, and servicing should all be part of the same seamless process that provides the best experience to the customer.


How do you elevate trust in the auto finance digital ecosystem?

Transparency and open communication are the keys to elevate the trust of not only the customers, but also business partners and suppliers. It is important to set the expectations right from the beginning and have realistic messaging. The customers are more willing to tolerate the hiccups of new technology if they are in the loop with what is really happening and if they know what is coming next.


What is driving the transformation of vehicle finance?

The financial technology advancements in the industry put the consumers in the driver’s seat by giving them online access to most providers 24/7. As a result, they can compare the offerings and make educated decisions easier than ever before. They expect a full spectrum of solutions that include credit monitoring, financial education, borrowing, and budgeting as part of the complete ecosystem.


What’s the next step in the digital transformation of vehicle finance?

I expect all-inclusive products that bundle complimenting solutions such as loans, vehicle protections coverages, maintenance, and insurance to become more widely available. Additionally, lending solutions will give more flexibility to the consumers that don’t lock them into one rate, and long-term contracts will trend in the next few years.


What does the vehicle buying process look like in 10 years?

In the next 10 years, I expect the auto-shopping experience to be a decision of participating in large fleets, instead of purchasing an individual vehicle. Fleets that have a variety of vehicles with different features will provide convenience and flexibility to the consumers and allow them to choose the right vehicle for the right purpose, at the right time. The on-demand availability of cars and other vehicles will steer consumer decisions.


Want to learn more about how MotoLease uses technology to transform the leasing and buying process? Read the case study.