Automotive retail and financial services have basically become the same business. The finance offer at the point of sale isn't a back-office function anymore. For most buyers, it's the actual product, and for a dealer group or lender eyeing a new automotive finance market, the finance infrastructure often decides the opportunity long before the vehicles do. That changes what "entering a new market" actually means. It's not just a commercial expansion call anymore. It's a regu

Every automotive or mobility business that has tried to expand into a new European market has learned the same lesson eventually: the strategy that worked at home rarely survives contact with a new market untouched. The distribution norms are different. The regulatory timeline is different. Even the way customers expect to buy a car can differ from one border to the next, and that gap has only widened as electrification and subscription-style ownership models reshape what "bu