To sell Millennials on new cars, personalized digital experiences using artificial intelligence and blockchain are on the horizon. According to a recent report on the automotive finance industry from the White Clarke Group, we've collectively entered what they call "Industry 4.0: Connected Intelligence." It's not only the pace of tech innovation that create a "connected intelligence" era, but also how rapidly young people--who will soon be the majority of the population and control a vast amount of purchasing power--are adopting new ideas. The ways in which this new industrial era affects the automotive finance industry are complicated and multifaceted. "We are experiencing an explosion of innovation, which has a profound impact on how we interact with each other, and how businesses build and maintain a relationship with their customers," said Brendan Gleeson, Group CEO of White Clarke Group.