The consumer payments landscape is evolving rapidly, and if you're in the auto lending or financial services space, it's critical to stay ahead of the trends that shape borrower preferences. That’s why we were thrilled to attend the AFSA Independents Conference 2025 and participate in the webinar, The Future of Debit-Driven Consumers, Flexible Tech and Lower Delinquencies, presented by David Graves, VP of Sales at REPAY.

For years, accounts payable departments have relied on traditional payment methods like checks and ACH transfers. While these methods have served their purpose, they come with limitations: inefficiencies, susceptibility to fraud and time-consuming reconciliation processes. Today, businesses are shifting toward digital options, with virtual cards emerging as a powerful tool to modernize AP workflows.