Mercedes-Benz Services Malaysia Head, Hilke Jannsen, discusses: 

- Mechanics of business - fundraising - costs - profit margins; - High-risk business - regulation; 

- Migration from conventional lenders - proposition - USPs; 

- Quoted as saying aiming for portfolio of E500m - 2017 -- and 25% penetration - Details; 

- Due diligence - process; - Default / delinquency rates; 

- China -- potentially among biggest addressable market -- 75-80 per cent of car buyers pay cash - strategy to change cultures / idiosyncrasies; 

- Cost of funds - details;

 - Margins of financing -- details; 

- Most lucrative deals; 

- DFS 2020 strategy - Asia is a big part of the plan - Details; 

- Owner concerns - residual values - ways to address / innovate; 

- Europe - new forms of mobility - car-sharing - adoption; 

- Electric vehicles - infrastructure to keep them running - how has that forced carmakers to introduce new financing options; 

- Renault - breaking new ground - new range of electric vehicles - owners sign a separate battery hire agreement - ditto Daimler’s Smart brand - details.