Back to live debates

Changing Business Models: How will the car of the future be financed?

16 May, 2018

The first DBC for Motor Finance Live Debate of 2018 was held on Wednesday 16th May 2018 at the Law Society, London.

Changing Business Models: How will the car of the future be financed?

Key discussion points included:

  • Will a world of connected cars, car sharing and self-driving vehicles alter the landscape for motor finance?
  • How might the volume and value of motor loans change? Who will need them?
  • With a potential move to all-inclusive subscriptions, what is it consumers will be financing?
  • Will loans continue to be sourced through dealers?
  • What changes do you need to make to transform your business?

Our panel for this debate: 

The debate was chaired by Brian Cantwell, Editor, Motor Finance and Chair of the DBC for Motor Finance. Joining Brian were:

  • Andrew Brameld, Managing Director, BNP Paribas Personal Finance
  • Graham Wheeler, Executive Director, GW Executive Consulting
  • Justin Benson, Head of Automotive, KPMG
  • Simon Cadbury, Director of Strategy, Marketing & Innovation, Intelligent Environments

Motor Finance interviewed the panel ahead of the debate. Read more here:


The Law Society, London WC2A 1PL


Brian Cantwell

Brian Cantwell

Group Editor, Motor Finance & Leasing Life and Chair of the DBC for Motor Finance

Brian Cantwell is the group editor for Motor Finance and Leasing Life, and has covered asset finance since 2014. Prior to covering asset finance and leasing, he covered the global private equity secondaries market; before that he reported on UK pensions, tax and personal finance. He holds a MA in history from Gonville and Caius College, Cambridge University (2007), and trained in journalism with the National College for the Training of Journalists (NCTJ) at Lambeth College in south London (2012).

Andrew Brameld

Andrew Brameld

Managing Director, BNP Paribas Personal Finance

Andrew has worked for over 25 years in consumer finance within the Retail and Motor sectors. His experience has seen roles within Lombard, First National and Barclays spanning across a number of Board appointments with a focus on Commercial and Sales teams through independent and joint venture businesses. Andrew was at Barclays for 14 years and launched a UK Motor and Leisure finance business in 2003. Andrew lives in Buckinghamshire with his wife and three children and is a keen sports fan supporting his beloved Watford football club!

Graham Wheeler

Graham Wheeler

Executive Director, GW Executive Consulting

Graham Wheeler has dedicated his working life so far to Motor Finance, arguably responsible for driving many of the developments in motor finance over his 30 years. His career includes working with GMAC, Mercantile Credit’s Peugeot & Citroen Credit business and was part of the original team that started GE Capital Motor Finance, in 1990. Graham joined Volkswagen Financial Services as an Area Manager in 1995 and quickly moved through the Organisation as he progressed into various senior management roles in the UK and in Germany. In 2004 Graham took over as CEO at VWFS UK where he led the development of the strategy for the UK Company which resulted in significant growth in assets from £1.2 billion to over £13 billion. He launched the Volkswagen Bank, grew the Fleet portfolio to 150,000 contracts, the Service Plan business to over 650,000 contracts, and a motor insurance business to over 120,000 customers. After a short spell at Jaguar Landrover as Director for Global Financial Services, he led the design and launch of new motor finance operation for Shawbrook Bank in partnership with the RAC and, focussing on Used Cars via a purely digital platform, with a new balloon based personal loan product, called Flexiloan. He continues to provide consultancy services in the Automotive Finance industry, and was recently recognised into the IAFN Hall of Fame.

Justin Benson

Justin Benson

Head of Automotive, KPMG

Justin Benson is the Head of Automotive for KPMG in the UK as well as leading the firm’s Brexit response in the Industrial Manufacturing sector. Specifically, he is client lead for auto OEMs and works closely with the automotive industry and supply chain to determine responses to the disruption from new drive train technology and autonomous vehicles. Justin has worked in the automotive sector for over a decade, leading on some of KPMG’s largest automotive related clients. He has experience of a wide range of projects, such as supply chain optimisation, Information Technology, indirect and corporate (such as R&D) tax, Mergers and Acquisitions, as well as risk and compliance management. Justin is an engineer by background, originally designing and manufacturing tools and equipment for the engineering sector; and, prior to working with KPMG, running a US investment company's engineering services business in the UK. Since joining KPMG Justin’s focus has always been working with organisations in automotive and engineering/manufacturing sectors.

Simon Cadbury

Simon Cadbury

Simon Cadbury, Director of Strategy, Marketing & Innovation, Intelligent Environments

Simon is a product marketer and strategist with 18 years’ experience working for a range of major international brands. Simon’s role is to work with Intelligent Environments’ investors to set and deliver the company’s mid and long term strategy, as well as overall responsibility for the product development and management of Interact; the company's core product offering. Simon joined in 2013 from Lloyds Banking Group where he was responsible for payment technology and also sat on the Credit Card divisions leadership team. Prior to this he worked on the launch of a number of firsts in new technology – the Blackberry (BT Cellnet), BT Openzone (BT Retail), 3G Live! (Vodafone Australia) and Sky HD (BSKYB).

Cards International
Credit Strategy
Electronic Payments International
Life Insurance International
Motor Finance International
Private Banker International
Retail Banker International

This site uses cookies to help us improve the user experience. By continuing to browse the site, you are giving your consent to our use of cookies. If this is not something you wish to allow, please change the cookie settings in your browser. For further information, see our Legal page.