AiF&I plays offense inside the store. It puts one screen in front of the F&I manager instead of eight, with an AI crew working behind the desk. The system advises. The professional decides.
A typical F&I manager works across a stack of disconnected tools layered on top of the dealership's systems of record: the DMS, the credit networks, the menu system, the product providers, and the compliance checklist. Every handoff between them costs time, and every gap between them creates risk.
AiF&I integrates with the rails the store already runs on, including DMS platforms such as CDK Global, Reynolds & Reynolds, and Tekion, and credit networks such as Dealertrack and RouteOne. It replaces the fragmented workflow layer that sits on top of those rails, not the rails themselves. The result is one canvas for the whole deal.
Each agent handles a specific job the F&I manager does today, and surfaces its work with its reasoning attached. Nothing is a black box, because a recommendation the professional cannot explain to a customer is not a recommendation worth shipping.
Structures the deal in real time: terms, products, and payment options matched to the customer and the lender programs actually available.
Enforces disclosure and documentation rules inside the workflow, surfacing only when the deal is about to drift, or to confirm it did not.
Pulls live rates and program terms across lenders so every number the manager quotes is the real number the customer will sign for.
Reviews completed deals and shows each manager where they left money or time on the table, with the evidence to back it up.
The one agent that faces the customer directly, through an adaptive presentation layer that adjusts language, pace, and depth of explanation to the person in front of it. A kiosk presents the same way to everyone. This does not. The manager launches and supervises every session, which makes the human at the helm structural rather than asserted.
AiF&I is moving from build to pilot. The design partner program is launching with confirmed dealer commitments through The Dealer's Concierge network, and the compliance layer is built directly on that integration.
Platform walkthrough, the white paper on why F&I is broken, an ROI calculator you can run on your own store's numbers, and the 2026 regulatory brief.