In brief

In brief

  • Lending and leasing platforms drive business in auto and equipment finance—and digital transformation is key to coping with market upheaval.
  • Four keys can drive digital transformation: clean data, value-adding processes, the right technology mix and robust change management.
  • This report also highlights four real-life examples of these keys in action.
  • With modern platform capabilities, lenders and lessors can become more nimble, responsive and profitable.


Financial services institutions are transforming their digital capabilities, and the auto and equipment finance sectors are no exception.

By modernizing their platform capabilities, lenders and lessors can become more responsive to clients. They can also gain the agility to navigate unforeseen market changes by, for example, introducing new AI-augmented ways of working that support the adaptive workforce of the future.

However, the road to a successful platform launch can be longer and more complicated than expected. Based on our extensive experience helping top lenders transform their digital capabilities, we have identified the success factors for digital transformation.

We share four keys that can help lenders and lessors create agile, predictable and sustainable change—as well as detailed, real-life examples of these keys in action:

1. Get the data right

Data capabilities are essential for digital transformation today—and can help you monetize data from consumers and channel partners in the future.

2. Create processes that create value

Modernizing a platform is a chance to make sure your processes aren’t just working for your organization, but also generating value.

3. Solve the technology problem

Don’t reinvent the wheel. Apply the 80/20 rule: Use off-the-shelf solutions 80 percent of the time and customize development when it really matters.

4. Manage change for the better

A robust change management strategy makes change happen with the organization and not to it.

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The future leaders in auto and equipment finance will be those providers that make strategic investments in digital transformation, including platform modernization and capability development, to enable the workforce of the future. At Accenture, we work with our auto and equipment finance clients to create transformation solutions built for the digital economy and beyond.

With modern platform capabilities, lenders and lessors can become more nimble, responsive and profitable.

Cameron Krueger

Managing Director – Specialty Finance


Adam Little

Senior Manager – Specialty Finance

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