Mazda
“Can Mazda embed a comprehensive suite of financial services — financing, BNPL, insurance, and payments — across its global dealer network and digital channels without operating a captive financial institution?”
Mazda is a traditional automotive OEM that has progressively embedded financial services into its dealer and customer experience. Rather than building a captive finance subsidiary, Mazda has outsourced its US consumer financing to Toyota Motor Credit Corporation under the 'Mazda Financial Services' private label, while layering in third-party BNPL solutions (Sunbit, DigniFi) to address service-lane financing. In international markets such as Australia and New Zealand, Mazda Finance and Mazda Payment Protection Insurance products are offered, with insurance underwritten by Aioi Nissay Dowa Insurance. Payment acceptance in European markets is powered by Mollie.