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Provider Exchange Network (PEN) is part of Open Dealer Exchange, LLC, a joint venture formed by the industry's two largest Dealer Management System (DMS) providers, CDK Global, LLC and The Reynolds and Reynolds Company.

With a single IT interface, PEN allows F&I product providers to connect to thousands of dealers' point-of-sale systems throughout North America. Because PEN operates independent from dealer management systems (DMS) and menus, access to every dealership is possible, providing the greatest exposure available to the dealership market. With PEN, a provider can customize each interaction by automobile, dealer or region. The result is a concise system of data connections in which all parties benefit.