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Carlos Garcia

CEO & Founder, Kavak

Search every verified Carlos Garcia interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Carlos García Ottati, founder and CEO of Kavak, discussed the company's use of artificial intelligence in a December 2025 interview. He stated that Kavak replaced AI copilot tools with AI agents that now handle 90 to 95% of customer interactions. He described the transition as initially painful, but said the company went "flat for a year" during the change and then grew four times afterward. García Ottati also noted that only about 5% of the used-car market in Mexico is financed, compared to roughly 90% in the U.S., and said Kavak's goal is to increase access to financing. In a March 2026 podcast, García Ottati reflected on the company's rapid growth and subsequent challenges, including a drop in valuation, a down round, and layoffs. He said that during the company's peak valuation he did not understand that pressure was a privilege)Skip. He also stated that he does not know exactly what the company is worth today, but that he knows what it will be worth because he will work to make that happen. Separately, in a November 2025 appearance on Telemundo, García Ottati offered personal finance advice, recommending that credit cards be used only for expenses that can be paid off at the end of the month and that no more than 30% of a credit line be used.

Recent appearances

Notable quotes

“We put the agents in front of our users really quickly — it was painful at first — and today we manage like 90%–95% of every human interaction with our users with an AI agent in the middle.”

“To put it in perspective, in Mexico particularly only about 5% of the used-car market is financed; when you compare that to the U.S., the U.S. is closer to 90%. This means in the U.S. out of 10 people seven have a car; in Latin America out of 10 people around two have a car.”

“Those $100 million that ended up being $127 because more people showed interest were really a 5% illusion — in effect you diluted yourself 5%.”

“I have no idea exactly how much the company is worth today, but I know how much it will be worth because I'm going to work so that that happens.”

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