Virtual Auto Retailing in Today’s Marketplace: Economic Outlook & Digital Strategies For Lenders|May 13,2020


Cox Automotive Chief Economist Jonathan Smoke sets the discussion with an Auto Retailing State of the Union. He’ll share trends and data on where we are, along with indicators that point to where we may be headed. He is joined by Dealertrack Lender Solutions Strategist Andy Mayers, who will weave in consumer/dealer behavior insights shaping the industry’s new normal. Andy will share digital strategies for lenders to optimize opportunities and mitigate operational impact in this new business landscape.

Presentation Slides (PDF) 

Presenters: Jonathan Smoke, Vice President / Chief Economist, Cox Automotive and Andy Mayers, Senior Business Operations Director & Lender Solutions Strategist, Dealertrack F&I 


Jonathan Smoke, Vice president / Chief Economist, Cox Automotive

Jonathan Smoke serves as Vice President & Chief Economist, leading Cox Automotive’s economic industry insights team, which leverages data to expand Cox Automotive’s deep expertise in all aspects of the automotive industry. The industry insights team tracks new and used vehicle sales, supply, prices, retail and fleet demand, consumer credit and auto financing, and dealer sentiment to understand the key trends impacting both the wholesale and retail markets for vehicles informed by the proprietary data from all of the company’s businesses and platforms including Manheim, Autotrader, Kelley Blue Book, and Dealertrack.For more than 23 years, Smoke has focused on translating data and trends into relevant, actionable insights for the industries that represent the biggest purchases that consumers make in their lifetimes: real estate and automotive.Prior to joining Cox Automotive, Smoke served as’s Chief Economist. Before that, he was the Chief Economist for Hanley Wood, a media and market intelligence company, and also served in a variety of roles at Beazer Homes, including Senior Vice President of Strategy and Innovation.Smoke is an executive member of the board for the Atlanta Economics Club and an active member of the Harvard Industrial Economists and the National Association of Business Economists. He has spoken at major industry conferences such as the NADA and NIADA conventions, Automotive News World Congress, and Used Car Week. His views on the economy and the auto industry are featured regularly in industry and national news outlets such as Automotive News, Auto Remarketing, The Wall Street Journal, USA Today, Bloomberg, and CNBC. Follow him on Twitter @SmokeonCars to keep up with the latest industry insights.Smoke holds a Bachelor’s degree in economics and religious studies from Rhodes College and a Master’s degree in business from The University of Texas at Austin..

Andy Mayers, Senior Business Operations Director & Lender Solutions Strategist, Dealertrack f&i  

As Dealertrack F&I Lending Solutions Strategist, Andy Mayers spearheads enterprise product strategy for lending partners across Cox Automotive. Mayers works with various Cox Automotive businesses to identify product opportunities that will deliver enhanced value for lending partners, and he also serves as the voice of the lender when new innovations are proposed/circulated for consideration to Cox Automotive. With expertise stemming from 20 years of experience in providing software to dealers and financial institutions, during his 17-year tenure at Dealertrack, Mayers’ oversight has included leading the product management team, product managing eContracting, developing Dealertrack’s overall integration strategy, and managing the business analysts and UX teams. Prior to joining Dealertrack in 2003, he led business strategy at Credit Management Solutions Inc. Mayers is a routine presenter at Dealertrack’s yearly Executive Lender Summit, conducts numerous thought leadership webinars and trainings with lender clients, and has spoken at major industry and partner conferences including AFSA, CBA, Auto Finance Summit – Used Car Weekly, Digital Dealer, CRIF Select and others. Mayers holds a Masters of instructional design from Towson University. LinkedIn: