Internet is altering the ground rules for vendors of cars. Digital marketplace for financial products has led to direct sourcing of car loans and pre-approved loans are gaining ground. Pre-approved car loans could bring down financing arrangement fee earned by dealers. Innovative car financing options can differentiate between similar products offerings in the online evaluation phase. The Consumer Querimetrix report by Kotak Institutional Equities Research outlines the influence of digital marketplaces and calls for carmakers to reassess conventional business practices.