Last week, Amanda Harris took a deep dive into the growing trend of digital refinancing in our March cover story, “Auto refinance enters the spotlight,” examining the driving forces behind the recent uptick in refi volume. Digital refinance has allowed many credit unions and community banks, such as Midwest Bankcentre , to grow their auto books despite an economic landscape that has depressed retail originations for many lenders.

In this episode of the Weekly Wrap, Harris, JJ Hornblass, and Joey Pizzolato discuss the implications of the surge in refi volume, the lasting consequences — if any — this shift might have on the auto finance industry, and what to expect in the coming week.