But what I would suggest is that the productivity of businesses with products such as this often gets pulled away from the founding business and into the overall system quite quickly.

I guess this is something along the lines of what dealraker was talking about:

finance.yahoo.com - Carmax launches online pre qualification

"
CarMax, Inc. (NYSE: KMX), the nation's largest retailer of used cars, announces the national launch of its pre-qualification capability ' a new online financing experience that empowers customers with the ability to shop CarMax vehicles nationwide with personalized financing terms, with no impact to their credit score. Pre-qualified customers will know their terms on vehicles across CarMax's inventory within minutes, including monthly payment and APR.
"

Though I doubt that their pre-qualification process uses a powerful AI engine the way Upstart does, steps toward making loan pre-qualification more convenient and customized does cut into the edge that Upstart is providing for some auto dealers.