JM&A's virtual F&I program, in which JM&A employees sell the products and are involved in handling the final paperwork, is exiting pilot stages because of the industry shift to remote sales processes in light of the coronavirus pandemic. The program was initially in F&I professionals' social media circles.
source https://www.autonews.com/finance-insurance/virtual-fi-process-playbook-now-free-dealers-jma-says
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