CEO of DecisioningIT, Rosa Hoffmann, Shares How Dealers are Increasing Sales and Customer Satisfaction

More non-prime consumers are getting behind the wheel now than ever before thanks to DecisioningIT. The fin-tech framework company uses an AI loan-matching platform that allows dealers to match consumers with various financial institutions. Automobiles are just the tip of the iceberg when it comes to what this up-and-coming company has in store for the future.

Rosa Hoffmann, CEO of DecisioningIT

“I’m sorry, you’re not approved to purchase… any of these vehicles,” is a statement that neither parties involved in this conversation are ever happy about.

But the reality is, non-prime car shoppers across the nation are all too often subjected to hearing it.

Despite the fact that transportation is an essential service for society, a large portion of the population is forced to get from A to B through public transportation methods as they fail to meet the requirements needed to receive a car loan.

And though public transportation has wonderful intentions of being a viable commuter service, it’s incapable of meeting the needs of everyone.

Parents needing a safe and effective way to transport their kids to and from school, students looking to efficiently get from campus to their part-time jobs, and employees who need to commute to areas outside of bus routes are amongst the many examples of cases where public transportation fails to be a solution.

This problem is only exacerbated in a country like Canada where several months of the year are accompanied by sub-zero temperatures, making life without safe and reliable transportation ever more challenging and dangerous.

But what if there was a way to secure financing options for such individuals, despite their non-prime credit scores?

This is the question André-Martin Hobbs, president of DecisioningIT, asked over five years ago after becoming frustrated with seeing countless customers getting rejected from car loan applications due to their credit score. As a digital entrepreneur with over two decades of experience developing cutting-edge automotive marketing solutions, Hobbs’s inquiry paved the groundwork for what is now DecisioningIT.

 

About DecisioningIT

As an AI loan-matching platform, DecisioningIT allows car dealerships to quickly and easily pre-approve more non-prime consumers. The company’s predictive AI technology matches a consumer to one of the many financial institutions allowing car dealerships to increase sales and customer satisfaction. To date, the platform has increased non-prime automotive sales by 50%, safely putting more drivers behind the wheel all across Canada.

The original product, named Lucy, was built roughly five years ago as a CCM (customer credit management) platform, providing a solution to Hobbs’s frustrations. Lucy manages every aspect of the non-prime communications funnel for the acquisition and nurturing of clients. Fast-forward to April of 2021, and Lucy has grown from one solution to a nationwide organization that is attracting new buyers to dealerships across the country with three products: Lucy platform, Lucy Widget, and Lucy API (Application Programming Interface).

Lucy’s success in the automotive industry soared one year into her existence when Hobbs invited the company’s current CEO, Rosa Hoffmann, to share her thoughts on Lucy and how the company could grow. With over 15 years of experience in the automotive industry, Hoffmann’s expertise proved immediately valuable.

“When André reached out to me about Lucy, the product he created, I started to look into it and realized that this was a solution that worked really well and a necessary tool for today’s dealers,” shared Hoffmann. “I began advising for the company, and this year I decided to step into a more permanent role, officially joining as CEO at the beginning of 2021.”

In seeing the impact Lucy could have on consumers and dealers, Hoffmann quickly set her sights on helping the company step into the future.

“With the world turning all-digital, dealers need to be able to fully service consumers online. This is why the Lucy widget was born,” furthered Hoffmann. “We wanted to create a product line that serves our dealers and works with partners, hence the API. We are an open platform and we want to work with other companies to help auto dealers create more success and give customers a more transparent seamless experience.”

The forward-thinking CEO and entrepreneur’s ability to see immense potential in Lucy, even in its infancy, has driven DecisioningIT’s success in an industry that’s in dire need of a solution.

“We provide immense value for all customers, prime and non-prime, but we do specialize in the non-prime niche,” informed Hoffmann. “Many perceive this as being a niche that isn’t really important, however, we know that’s not true.”

Having garnered a bad reputation, most dealerships fail to see non-prime buyers as legitimate clients and refrain from offering them the same attention and service expressed to customers boasting a higher credit score.

“The perception,” shared Hoffmann, “is often that non-prime buyers have bad credit and are unable to get approved, or if they do, it will be at a higher interest rate. That isn’t always the case. It takes some extra work and effort to get these customers approved. People are more than just a credit score and we’re helping lenders see that too.

“Lucy does a majority of the hard work and provides dealers with options, something unheard of in the auto industry. The old way of doing business is to submit a credit application one by one and hope someone will approve it. If they do, great. If not, a majority of the time the customer has no other options. But even when you do get approved did you get the best option available for you? That’s why Lucy is a substantial tool all dealers should use.”

In the wake of COVID19, credit scores nationwide have taken a huge hit as a result of high unemployment rates, bankruptcies, and evictions amongst other reasons. Because of this, the non-prime consumer base is growing, and dealerships need to develop a system to accommodate these buyers if they themselves wish to stay competitive.

What DecisioningIT offers automotive dealerships seeking to stay competitive in this changing buyers landscape is a chance to finance more non-prime buyers, further increasing their customer base.

“Every dealership should have this,” informed Hoffmann. “The full platform operates as a CRM (customer relationship management) with the widget serving as a quick online retail solution.”

Currently, the company is onboarding 5-7 dealerships a week, with Canadian dealerships clambering to provide better buying options to consumers.

 

Curious about how it all works?

By taking in a multitude of buyer information, Lucy is able to pull on more data than simply the consumer’s credit score.

Beginning with a Custom Analysis, Lucy pulls on the real-time analysis of credit bureaus. She then conducts an Easy Interpretation which searches for favorable credit behavior and summarizes positive consumer points that can help her negotiate with financial institutions. These two reports are combined to generate a Smart Score, which is then run through an Integration Flexibility scaling system.

By assessing more than just credit score alone and scouting multiple financing institutions, Lucy is able to create optimal options for consumers, getting them behind the wheel with fewer headaches.

Since the official launch of DecisioningIT in April of 2021, the company has experienced soaring growth. “We have plans to grow, grow, grow,” stated Hoffmann. “We definitely want to branch into the U.S. market. Eventually, we have plans to tap into other industries.”

As of now, DecisioningIT works solely as a financing option for the automotive dealership industry, but with the technology being relevant to a multitude of industries where consumers are in need of financing options, the opportunities for expansion are seemingly endless. The impact that approved financing can have on an individual and their families can be immense. Historically, a non-prime credit rating had the potential to place individuals within the poverty cycle. Innovations such as DecisioningIT provide revolutionary solutions to help people break out of this cycle and experience the opportunities they’ve been deprived of.

To discover how DecisioningIT can help automotive dealerships or to connect with a dealership currently offering the platform, visit https://www.decisioning.it/ for more details.

ZaRio Continues to Inspire and Impact Lives Through the Release of His Single “She Don’t Know Love”

Although there are more important pursuits that are yet to dominate the industries with grace, the world has come a long way in providing platforms for the voiceless and the unheard. The music scene, for example, has been widely recognized as an effective channel for self-expression, addressing specific issues that range from bullying, depression, and anxiety to political unrest, social change, and a call for peace. Countless artists have played a significant role in driving change and impacting lives, moving societies forward and inspiring hope. Well-versed with the power of music and media, ZaRio, an esteemed R&B artist, motivational speaker, and dedicated activist, has earned acclaim for his commitment to becoming an instrument of change for people’s lives. Through his works, he hopes to tell tales that inspire others to thrive and get ahead.

ZaRio is a multi-talented artist who is not afraid to dip his toes into a wide variety of industries in order to set things in motion. From creating music to leading others, this power player is definitely more than what meets the eye.

Over the years, ZaRio has been heralded for his deep-seated love for music. Ever since he joined his middle school choir at eight years old, he found himself growing more fond of the art. Years down the road, he discovered another passion – leading and organizing the youth in Atlanta as well as other parts of the United States.

Armed with an unparalleled zeal for activism, ZaRio spearheaded a number of movements that were designed to inspire change and impact lives across the country. This passion for leadership, change, and development has grown into another level, making this power player one of the most promising motivational speakers of the trade. However, his incredible affinity towards rhythm and beats continued to linger, encouraging him to get back on the scene with purpose in mind.

As this emerging powerhouse is set to take the music industry by storm, ZaRio decided to amplify his advocacies through music. He has envisioned becoming an instrument of change and a leader of all sorts who is determined to transcend limitations and break barriers while carrying himself as a true gentleman in all ways. In the hopes of materializing his purpose-driven vision, ZaRio releases a debut single entitled “She Don’t Know Love.” 

“She Don’t Know Love” is designed to touch souls. With its catchy beats, meaningful lyrics, and breathtaking music video, the song is intended to inspire people while following the singer through a beautiful snowy setting, capturing the attention of many listeners worldwide. The young star has taken over streaming platforms, having attracted over 1,000,000 views for his music video in the first 30 days while approaching 1,000,000 streams in the first few weeks from the release of his latest track. He has also managed to dominate the charts, landing at the ninth spot on the Top 10 of iTunes chart.

With everything that this multifaceted artist has achieved, it is clear that this is only the beginning. This incredibly talented star is just getting started as his first EP release is right around the corner. Sorry to Keep You Waiting shall dominate the scene, bringing R&B back to its former glory.

To know more about ZaRio, you may visit his website. You can also follow ZaRio on his social media, Instagram, Facebook, YouTube, Tiktok, and Twitter.

 

Nicki Tha Great Forges a Music Career out of Her Natural Talents to turn Her and Her Family’s Lives Around

It is one thing to spot a talented person; it is another to give them a chance and the resources to develop themselves. For 21-year-old Nicki Tha Great, her undeniable talent was first noticed by her grandparents when she was four. They immediately enrolled her in piano lessons, and the journey became an upward climb from there.

Nicki Tha Great got a shot at putting her talents to use in the church when she joined the church choir. She rose through the ranks quickly by becoming one of the youngest members to get solo performances. When she reached 13, she moved to upstate New York, picked up her piano again, and started writing songs. Throughout her high school education, Nicki spent time writing and performing her original songs, which earned her a fanbase at a young age as an underground artist. In 2017, she released her first single, “Track,” on SoundCloud.

Quality and authenticity are two of Nicki Tha Great’s superior qualities as a musician. She has remained consistent with her identity since she hit the spotlight and has fully embraced her identity as a member of the LGBTQ+ community. Over the last four years, she has devoted time to her craft, writing more songs, producing and engineering her songs all by herself. Her strongest suits are her versatility and ability to make music in any genre.

With her biggest single ‘That Woah’ at 150,000 streams, following with ‘Moment’ ft. DeadInside reaching 80,000 streams within a month, Nicki Tha Great has all the validation she needs as an artist to keep doing her thing her way. She’s an independent artist who has proved to be one of the best voices to come out of New York. She was recently featured on Medium and Vocal for her new singles, and she looks forward to gracing more publications and magazine covers.

Citing past experiences as the main reason why she stuck to music as an artist, Nickii Tha Great also shares that she believes she’s embedded with so much talent to keep to herself. “I find it rather selfish to have a talent and not share it with the world when your talent can bring such positivity into people’s lives, that would be why I decided to make this a full-time career, cause I am in love with what I do, and it benefits others,” she said. “Thinking back on my life, I have too much pain, stories, and events to share with the world,” she added. 

While she continues to put out music, Nicki Tha Great already has the next five years in view, and she wants nothing but comfort for herself, her family, her team and everyone working with her. She hopes to take care of everyone in her life, inspire people, influence lives, and change as many lives as possible. She also wants her audience to be inspired by her journey and focus on their set goals without minding what anyone has to say about them.

Nicki Tha Great has more projects in the works and hopes to expand her fanbase with more musical projects and collaborations.

Learn more about Nicki Tha Great by watching her on her YouTube channel

Rising Star Prøphet Continues to Be a Beacon of Light in the Global Music Industry

It’s undeniable that the world is facing dark times these days. There are countless issues that have come to light within society, as well as a ravaging global pandemic that has taken countless lives and impacted the entire world as we know it. In these destitute times, a genuine artist needs to rise up and speak the truth, and that voice comes from none other than the man known as Prøphet.

Prøphet’s artful music is rooted in soulful tones that reflect society through genuine lyricism since his musical debut. The rising star is revolutionizing the music industry with an approach centered around shedding light on the reality of the world, especially when it comes to discrimination of all forms.

Born in March 1997, Prøphet is a Neo-Soul artist straight out of Raleigh, North Carolina. He has experienced a genuine mastery of his craft, honing it throughout the years and fully realizing his capabilities in the process. Growing up, he always had the inherent capacity to be great at singing, a talent that he picked up from his mother, Karla Yvette Townsend.

Prøphet is a self-trained artist who has planted his artistic roots at an early age. His diverse background in music started at Powerhouse Church of Jesus Christ. Early on in his career, he has already established a name for himself as a songwriter for significant people within the music industry. 

He has also surrounded himself with equally talented individuals that have helped him realize his potential and forge his artistic visions, namely, his manager, Ron Lucas, and childhood friend Kamozie Williams, who has also made a name for himself as a skillful pianist. Nowadays, Prøphet is a renowned musical artist with his exceptional tone, endless voice range, and symbolic songwriting skills. 

Furthermore, he is inclined to compose original sounds that tackle social issues and hardships, garnering resounding respect and applause from his worldwide audience. During these dark times, Prøphet has found inspiration to speak up and use music as a weapon helping people feel empathy, understanding, and at times deliver a story of hardship unknown to many. 

When the global pandemic struck, Prøphet released a single called “Woke.” The song tackles the struggles of the African American community, emphasizing police brutality. The efforts of his message sparked attention overseas before it even hit the United States, touching and inspiring the hearts of many.  

Riding the wave of the massive success of his newly released single, Prøphęt started a visual podcast entitled Woke Wednesday, referencing his recent single. The show is focused on discussing the rampant concerns on racial issues, mental illness in the Black community, and even updating audiences on political debates. Recently, Prøphet also released his EP 1619 during Black History Month, with an ongoing release to be completed at the end of this year.

Overall, Prøphet is a necessary voice in our society today. As he continues to spread his message, he has been singing around the state while appearing as a guest in shows with a group called Carolina Waves, founded by K97.5 radio personality, Mir.i.am. Prøphet also opened a production company named Prophetic Productions, with a vision to give talented creatives a place to make their dreams come true.

To know more about Prøphet and listen to his latest tracks, make sure to follow him on Instagram. Take a listen to his music on Spotify and Apple Music.

Marty from the Well New Hit Single “I.D.G.A.F ft. Djiby” Is Rising Up the Charts

As spring quickly fades away, summer is upon us. This means new music will be dropping left and right. It can be hard for music fans to sort through and find new artists and projects that resonate with them in a time where so many artists are releasing music. Every once in a blue moon, a talent will arise that stands out in the chaos of modern-day streaming platforms. I found a singer that goes by the name of Marty from the Well, and I couldn’t help but share my discovery. Born and raised in the suburbs of Montreal, Canada, Marty from the Well has always had an incredible passion for music and the arts. Receiving an electric guitar for his birthday at age 14, the young artist tried to teach himself how to play. Slowly picking up skills with his instrument, he then began taking a basic introduction to music course at his high school, developing a love for music with his friends Danny and Ben at a very young age. 

Once graduating from high school in the suburbs of Montreal, Marty went on to study chemical engineering. Losing touch with his old pals from high school was tough, but something that never went away was his passion for music. After graduating from college with a full degree, he went on to travel the world for his work as a chemical engineer. Living abroad in places like Boston, Indianapolis, California, South of France (Cannes), Paris, Quebec City, and then finally back to Montreal. After having seen so many new places and being constantly on the move, his return to his home province marks a crucial stage in his story. 

After some time, Marty reconnected with his old friend Danny from his high school. Danny reached out, asking to meet up for dinner so that they could catch up and discuss all the things that had developed in each other’s lives over the course of the last couple years. This is where Marty discovered that his other friend Ben had gone on to become a successful music producer, following his dreams that the boys shared back in their high school days. The boys reconnected with Ben over Facebook and went over to his new house to visit him. Ben had converted his garage into a music studio and had been working out of it for some time, mostly producing for local artists, but not exclusively. He also found some success producing music for very popular TV shows like CSI LA, CSI New York, Jersey Shore to name a few.

After listening through some of Ben’s Catalog Marty suggested to him that they work on a song together. Ben took on his role as producer, Danny picked up his guitar, and Marty began to write lyrics for the song. Not thinking much of it, Marty was called up to record his first-ever song, and this would mark the beginning of a long-lasting career in music. After some convincing, Ben agreed to work on an entire project with Marty, under the condition that he take 6 months of singing lessons. To many artists, this would have marked the end of their musical career, but Marty is passionate and driven, so he agreed and decided to take this music thing seriously. 

The young creatives from Canada then began the creation of what would become Marty’s debut album titled Marty and the Well. The album was a great success for his first release; the high-quality production mixed in with extremely well-timed melodic tones made for an amazing listening experience. The 12-song album was released in 2016 and has amassed a great amount of support over the years. Many have been wondering when Marty would return to the spotlight, eagerly awaiting the next release from the talented singer. 

That time has finally come with the release of his new hit song entitled “I.D.G.A.F”” it has quickly received tons of recognition on Spotify and has paved the way for the release of new music in the near future. The new project is titled “Change” set to release in August, this project will mark a key point in Marty’s career. We should expect an emotional EP that demonstrates growth, having had multiple years to develop his sound and energy Marty from the Well is back and better than ever. Keep your eyes peeled for the new EP, and give him a follow on social media and Spotify to stay updated on all things Marty from the Well.