The company will continue to make it easier to do business, Carey said, pointing to two goals of the software — to be more like intuitive smartphone apps and to have fewer phone calls and interactions between customers and Mazda Financial.
The platform was built as a minimal viable product to be upgraded, instead of the "kind of a big bang process" commonly and often unsuccessfully used with software, according to Carey. He called this a "watershed moment."
For Mazda Financial, a minimum viable product required the ability to consummate contracts, e-contract and allow customer communication. Carey said the platform has improved, and he called transparency about developers' next set of priorities and capabilities critical.
Carey said Mazda Financial will seek to better leverage data.
"We're behind," he said. He said it will become an "implicit focus."
He described plans for making data available to dealerships and for Mazda Financial to make tailored recommendations, similar to Amazon.
"Presenting the right offer to the right constituent customer at the right time is gonna be important," Carey said.
Carey said Mazda Financial will be a "dealer-centric partner" and described a need to support the franchise model.
However, customers say "they don't like buying cars" and question whether a transaction was fair, he said.
Mazda Financial has created a digital retail platform to give customers greater transparency and speed, and it's open to any dealer who wishes to participate on those terms, Carey said.
Some dealerships have no issue with putting their price and interest rate on the tool, Carey said. He said some dealerships also have demanded software permitting them to sell a car in an hour and exclude tactics such as manager talks and tower visits.
"That stuff is eliminated for the dealers who want that process end-to-end," he said.