Case Study: Australia's largest captive auto lender achieves ASIC compliance and supports 225,000 loans annually with Pegasystems' Pega platform

Captive lender’s new financing platform supports 225,000 annual loans

Australia’s largest captive auto lender faced a regulatory crisis when ASIC banned dealer “flex commissions,” threatening licenses and exposing a decades‑old legacy CRM and unsupported middle‑office systems. The company needed a compliant, modern customer engagement platform to lower operating costs, improve the customer and vehicle onboarding experience, protect market share from digital disruptors with pre‑approved offers, and continue supporting about 225,000 loans a year.

The lender implemented Pega as an integrated customer engagement platform on Pega Cloud to manage the full customer lifecycle from lead generation through loan origination, with plans to extend into post‑sale retention and cross‑sell. The agile rollout delivered immediate operational gains—back‑office process improvements, stronger dealer engagement, better reporting and efficiencies—and enabled risk‑based pricing to meet ASIC compliance.