Use Data to Inform Strategy for the Recovery and Beyond

by Guest Contributor 3 min read January 26, 2021

Experian automotive market insights text with dashboard example

It goes without saying that the automotive industry has been through a lot this past year. Initially hit hard during the early days of COVID-19, it has been resilient and shows signs of rebounding. But despite the recovery, it’s hard to overlook the fact that the automotive industry and the rest of the economy have encountered two large-scale downturns within the last 12 years. And while the underlying factors behind the Great Recession and COVID-19 are considerably different, auto dealers are likely left wondering how to continue to stimulate the recovery, but more importantly, protect and prepare themselves from future downturns.

In short, the answer is data.

If we’ve learned anything from the unprecedented events of this year, it’s that trends can shift and change rapidly. We’ve observed correlations between certain economic indicators and the potential impact to the industry. Now, more than ever, dealers should be leaning into data to stay close to trends in real-time, adjusting strategy accordingly.

It might feel overwhelming to stay on top of it all, but dealers don’t have to face it alone. To help dealers maximize data, we launched Experian Automotive Market Insights. The dashboard provides a variety of insights, including auction volume by region, vehicles coming off-lease, off-loan or have positive equity, correlations between economic events and finance trends. In addition, dealers can use a range of economic indicators to scenario plan and gauge how far in advance these trends may impact the automotive industry.

This level of information can help auto dealers tackle their biggest challenges and create a more comprehensive strategy for their businesses. They can use the insights in a variety of ways, such as how to restock amid inventory shortages or uncover conquest opportunities to drive sales growth. For example, since the beginning of September, the highest volumes of vehicles at auction are in the central, east, southeast and southwest regions—all above 137,500 units.

Of course, as this year has proven, it’s not enough to just tackle the immediate challenges. Dealers will also need to address and prepare for larger economic issues before they occur. For instance, understanding how unemployment may potentially alter vehicle registrations. Based on Experian data, the lag time between the peak of unemployment and decline in vehicle registrations was approximately one month. This level of insight provides dealers with an opportunity to adjust their strategies and budgets ahead of economic crises.

We can’t predict the future, but we can use history to inform our decisions moving forward. While every economic downturn is different, understanding how certain events impact the automotive market is important for dealers to prepare their strategies. Leveraging data is crucial for staying on top of trends, and pivoting business decisions in challenging times.

Visit Experian Automotive Market Insights for more information.

Related Posts

Cash Flow Insights: Powering the Next Evolution in Lending

For decades, credit data has given lenders a trusted foundation for assessing risk. Now, consumer-permissioned cash flow data is adding another layer of insight into consumers’ financial lives, including income, spending, liquidity and changing financial obligations. The opportunity is significant. Nearly one in five consumers lacks access to or has damaged credit. New Experian research also shows that 60% of consumers who have previously been denied credit or received less favorable terms than expected believe the outcome would have been different if lenders had considered their recent income and banking activity alongside their credit history. 1,2 For lenders, cash flow insights can provide additional context about a consumer’s financial capacity and support more informed underwriting decisions. The next challenge is making those insights easier to use consistently and responsibly at scale. What are cash flow insights? Cash flow insights are derived from consumer-permissioned banking data and provide visibility into how money moves into and out of a consumer’s accounts. Depending on the information available, cash flow data can provide insight into financial behaviors such as: Income and income stability: Regular and irregular income streams and changes over time Spending and recurring expenses: Everyday spending patterns and ongoing financial obligations Account balances and liquidity: Available funds and changes in account balances Debt obligations: Loan payments and other recurring debt commitments Cash flow patterns: How money moves into and out of accounts over time Traditional credit information provides a rich history of how consumers have managed credit. Cash flow insights add context about their current financial activity and capacity, providing lenders with a more complete view of financial health. Cash flow insights can also add predictive value to risk assessment. Experian analysis shows Cashflow Score can deliver up to a 25% lift in predictive performance over conventional credit scores when tailored to targeted risk tiers.3 How lenders can put cash flow insights to work at scale As interest in cash flow insights grows, the conversation is moving beyond what the data can reveal to how financial institutions can use it consistently and responsibly. That requires standardized consumer reporting, clear governance and decision-ready insights that can work within established lending processes. The launch of Experian Cashflow Data Bureau at Vision 2026 reflects this shift from access to adoption. The new consumer reporting agency operates under the Fair Credit Reporting Act (FCRA) and is designed to help financial institutions adopt consumer-permissioned cash flow insights at scale. A key part of that foundation is the cash flow consumer report, which organizes consumer-permissioned banking information into a standardized consumer report regulated under the FCRA. This gives lenders a consistent foundation for incorporating cash flow information into lending decisions while providing consumers with access to the information in their report. Turning greater visibility into better decisions The next evolution in credit isn’t about choosing between traditional credit and cash flow data. Each provides a different perspective. Traditional credit information offers deep insight into how consumers have managed credit over time. Cash flow insights can add context about financial activity and capacity. Bringing those perspectives together can give lenders greater visibility into consumers’ financial health and help them better distinguish between risk and resilience, support more informed decisions and identify opportunities to responsibly expand access to credit. As cash flow adoption continues to grow, its value will come from how effectively it complements the information lenders already use. The opportunity isn't simply to see more data. It's to turn that additional visibility into smarter, more informed decisions. Explore how Experian Cashflow Data Bureau is helping financial institutions put consumer-permissioned cash flow insights into practice at scale. Learn more [1] Federal Reserve Bank of New York, The Market for Credit Building: Demand, Product Characteristics and Consumer Uses, 2026. [2] Experian commissioned Atomik Research to conduct an online survey of 2,000 U.S. adults age 18+. Fieldwork took place July 16–21, 2026. Margin of error: +/- 2.2 percentage points at a 95% confidence level. [3] Based on Experian analysis when Cashflow Score is compared with conventional credit scores, tailored to targeted risk tiers. Predictability based on KS.

October 14, 2026 by Julie Lee
The Three Onboarding Fraud Pain Points That Slow Growth (And How to Solve Them) 

Effective fraud prevention is critical to balancing security and customer experience during onboarding. Learn more!

October 12, 2026 by Charles Hunter
How Rental Data Is Expanding Financial Opportunity for Millions of Renters 

Discover how rental payment reporting can expand credit access, strengthen credit profiles and improve risk assessment for renters and housing providers.

October 8, 2026 by Manjit Sohal

Subscribe to our Newsletter

Enter your name and email for the latest updates.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Subscribe to our Newsletter

Don't miss out on the latest industry trends and insights!
Subscribe