On today’s episode, host Matt Snow is joined by Melinda Zabritski, Sr. Director at Experian Automotive, and Mark Pregman, Head of Credit Operations at USAA. Whether due to rapid technological innovations (like the advent of electric vehicles) or economic factors (everything from lending rates to unemployment), the landscape of auto sales and lending is shifting more rapidly than ever.  With their collective experience and expertise in lending and the auto market, Mark and Melinda are perfectly suited to help us make sense of this current moment — to give us a sense of where we may be heading. Discussed this week: Why concerns surrounding affordability persist, despite the rise in average loan amountsThe challenges hindering EV adoptionHow limited inventory impacts affects loan-to-value ratios and shapes consumer purchasing patternsGrowing delinquency rates, and what they may be attributed to