Jose Galvan spent nearly 24 years at Market Scan Information Systems, including time as chief data officer for the company, which provides automotive pricing and incentive intelligence and was acquired by S&P Global Mobility nearly three years ago.

This week, Galvan fully emerged back in the industry with his own operation — GAKO Technologies — a data intelligence company powering automotive decision-making through patent-pending technology, VIN-level analytics, and artificial-intelligence and machine-learning ready datasets

“Everyone wants to build AI,” said Galvan, who is president and founder of GAKO Technologies. “But without clean, structured, real-time data at the VIN level, AI simply amplifies bad assumptions. GAKO was built to be the intelligence backbone that fuels AI across automotive, giving our partners data they can trust, model, and deploy at scale.”

GAKO Technologies’ platform currently covers all new-vehicle VINs nationwide and is continuously refreshed to reflect live market conditions.

The data is normalized, structured, and delivered in formats optimized for machine learning, predictive modeling, and anomaly detection, enabling customers to plug GAKO directly into existing AI pipelines or internal data science environments.

The platform supports high-impact use cases across automotive lease, finance, retail, and strategy, including:

—AI-driven pricing and incentive optimization data

—Payment and affordability modeling

—Risk assessment and underwriting intelligence

—Fraud detection and anomaly identification

—Inventory forecasting and market prediction

—Competitive intelligence at VIN-level granularity

GAKO Technologies plans to expand coverage to pre-owned vehicles by the first quarter of next year and to enter the Canadian market shortly thereafter, further extending its role as a VIN-level intelligence backbone for automotive AI.

At the core of the platform are two proprietary, VIN-level indices designed to convert complex market signals into standardized, AI-consumable features:

—Consumer Value Index (CVI): A VIN-level metric that can quantify how compelling a specific vehicle’s value proposition is relative to its direct competitors in real time — answering: “How competitive is this exact vehicle right now?”

—GAKO Score Index (GSI): A payment-efficiency index measuring how much vehicle value a consumer receives per dollar of payment, enabling “true” lender-to-lender comparisons at the VIN level and serving as an input for AI-driven affordability and risk models.

Other key platform highlights include:

—VIN-level intelligence: Vehicle-specific insights across pricing, incentives, payments, trims, configurations, and feature-level inventory behavior

—AI- and machine-learning ready data: Clean, normalized datasets designed to fuel internal AI models, predictive systems, and decision engines

—Real-time market visibility: Continuous tracking of lender programs, incentive movements, pricing shifts, and inventory dynamics

—Enterprise-grade architecture: Built for scale, governance, security, and integration across OEM, lender, and dealer ecosystems

—Prediction-ready foundation: Structured to support advanced modeling, anomaly detection, and next-generation AI applications

—Purpose-built datasets: Tailored for OEMs, captive lenders, banks, credit unions, agencies, analysts, dealer groups, brokers, fleet operators, and mobility innovators

For lenders and credit unions, Galvan reiterated GAKO’s VIN-level intelligence can enhance AI-powered loan-to-value modeling, improve payment and risk calibration, and supports fraud and anomaly detection.

He added that OEMs can gain a clearer, data-driven foundation to power AI initiatives around payments, incentive effectiveness, pricing strategy, and market competitiveness.

Galvan went on to mention dealers, dealer groups, brokers, and fleets can benefit from AI-ready data aligned precisely to their inventory and regional markets.

“The future of automotive decision-making is AI-driven,” Galvan said. “But AI without the right data is guesswork. GAKO Technologies exists to give the industry the data foundation required to build AI systems that actually work.”