A vehicle is provided that detects a first presence of a driver in a vehicle, based upon detecting the first presence, provides a user interface for the driver to enter first user information, information, and communicates the first sensitive information to a vendor to authenticate the combines the first user information and the vehicle information to generate the first sensitive driver to enable the vendor to perform a financial transaction with the driver using the first sensitive information while the vehicle is in motion. The processor is programmed to initiate automatically, on behalf of the driver, the financial transaction with the vendor in response to a sensed state or location of the vehicle.