But in today’s digital-first world, that same system may now be holding you back. Customers expect real-time everything. Partners demand seamless integration. Your team needs tools that help them move faster—not work around outdated processes.
If your platform is starting to feel more like a constraint than a solution, you’re not alone. Across the F&I and warranty space, more organizations are making the shift.
Whether you built your own system or rely on aging legacy software, the challenges are strikingly similar. These platforms weren’t built for today’s expectations—and while they once gave you control, they now introduce complexity, risk, and overhead.
Internal teams are stretched thin, juggling maintenance, enhancements, and support tickets. Strategic work often takes a back seat.
Legacy platforms weren’t built for cloud-first environments. They lack flexibility, are difficult to upgrade, and slow to integrate.
Without 24/7 monitoring, audit trails, or certifications, these systems put you at risk of downtime, breaches, and regulatory issues.
Most homegrown solutions lack intuitive UX, built-in automation, or the end-to-end functionality today’s workflows demand.
Systems don’t talk to each other. You rely on spreadsheets, manual uploads, and guesswork to stay on top of your business.
Legacy systems strain under added volume, users, or partners, making growth harder to sustain.
Legacy systems require heavy lifting to support new products, bundling, or dealer-specific programs limiting revenue potential.
From additional hires to patch fixes and delays in product launches, the true cost of maintaining an internal system adds up quickly.
Jerry Munselle
President, Torque Group
Digital transformation isn’t a future goal anymore. It’s already expected. Across the F&I product and service contract space, providers are rethinking their operations to keep pace with:
And the gap between what legacy systems can offer and what your customers demand? It’s only getting wider.
F&I administration is evolving fast. Providers are expanding into digital channels, launching bundled products, and integrating with more partners than ever before. That kind of agility requires more than just a solid foundation—it demands a platform that can adapt quickly, scale effortlessly, and deliver real-time visibility across your ecosystem.
The systems leading the market aren’t just keeping up, they're setting the pace. They’re built to evolve, enabling new programs, smarter workflows, and better experiences for every stakeholder involved.
When you rely on an internal system, every upgrade, enhancement, and integration falls on your team. You're responsible for innovation, infrastructure, security, compliance, support—the full stack. And as customer expectations accelerate, that burden grows heavier.
Instead of spending resources patching the past, it may be time to partner with a platform that’s already engineered for what’s next—so your team can focus on strategy, not survival.
At PCMI, we built our Policy Claim and Reporting Solutions™ (PCRS) platform to help F&I administrators, OEMs, and dealers modernize and scale—all without losing control.
Our platform is trusted to process over 131 million contracts and 41 million claims for some of the most advanced operations in the industry. Backed by more than 115 prebuilt integrations and deep domain expertise, PCRS simplifies the complex while powering your entire lifecycle—from product launch to reporting.
Mark Nagelvoort
President & CEO, PCMI
Switching systems isn’t easy, but it doesn’t have to be painful.
Our team follows a proven process to map, validate, and convert your data with accuracy and care. We’ve handled large-scale migrations from a wide range of homegrown and legacy systems, each with unique structures, formats, and challenges.
Whether you’re bringing over decades of contracts, claims, or rate tables, we’ve seen it before. And we know how to get it done—without disrupting your business.
Jeff Robinson
COO, Alpha Warranty
Your internal or legacy system got you this far. But to grow from here, you need more.
PCRS gives you the flexibility, automation, and support to modernize operations and compete in today’s fast-moving market—without compromise.
