F&I Transparency and Profitability in a Digital World

Track: Digital Super Track

Saturday, March 12, 2022 10:30 AM - Tuesday, June 14, 2022 11:30 AM



Presenters: Joe St. John, Cindy Allen

In 2018, fewer than 5% of dealerships offered detailed payment information online; today, more than 90% do. In April 2020, dealerships made a dramatic shift to embrace digital retail, moving F&I upstream. How did digital retail impact F&I production and performance? How is the role of F&I evolving and what could it look like in the future? Get an overview — based on analysis of 25,000,000 automotive transactions compiled from more than 6,000 dealerships —of what’s happening in F&I and what the future could hold. Pinpoint emerging F&I trends that can increase revenue and maximize net profitability.


Joe St. John

Joe St. John
Senior Vice President Business Development

Joe was born with Automotive in his veins. He sold his first car at 5, worked full-time at the dealership by 16, and became a GM at 30. He holds a Master's Degree in Accounting from USC, studied at Cambridge and Oxford, and was not only named a Truman Scholar but a USA-Today Academic All-American as well. Joe brings his engaging style to every educational workshop in Automotive. When he's not doing jiu jitsu or spending time with his family, Joe leads Business Development for StoneEagle, returning to his F&I roots to help dealers maximize profitability.

Cindy Allen

Cindy Allen is the CEO of StoneEagle- responsible for the company's growth, development, and operations. She leads an exceptional leadership team and serves on the company's Board of Directors. A part of StoneEagle for 15 years, Cindy created many of its foundational reporting tools. Her combination of leadership, expertise, technical ability, institutional knowledge, and passion sets the stage for StoneEagle's efforts. In 2008, become the CEO of GDSX and led their acquisition by Concur. She subsequently became the CMO for American Express Global Business Travel. In 2018, Cindy returned to Automotive and StoneEagle, bringing her knowledge from Travel with her.