This week's Finance News Wrap discusses major topics: New Taxation Office rules negatively affecting SMEs, resulting in a 486% increase in loan inquiries; Reserve Bank of Australia's warning against excessive borrowing despite potential interest rate reductions; Macquarie Bank shifting focus from car loans to mortgages and deposit services, impacting the competitive landscape; and the digital transformation of Australia's auto finance industry led by fintech firms. The bank also highlights the need for financial stability and prudence in borrowing amid these changes. Finally, AI-driven loan matching technologies are making car buying process smoother with minimum visits to banks, less paperwork, and quicker approvals.