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Top trends 2025: Lending and leasing

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Transform industry challenges into sustainable competitive advantage

New commercial lending trends are redefining the landscape of the financial services industry. Capgemini’s latest research identifies three core themes around which the future of lending and leasing will evolve:

  • Customer first focuses on the transformation of customer experience, particularly within the lens of customer omnichannel interactions and the perceived value of products and services.
  • Enterprise management covers the evolution of processes, teams, solutions, and operations to enhance agility and operational efficiency while optimizing the cost of doing business.
  • Intelligent industry details the modern solutions that organizations are implementing to deliver end-to-end digital experiences that transform their entire value chain.

As AI and data analytics tools become more commonplace, firms are turning to them to help streamline processes, optimize costs, and scale intelligently within their complex market environment. Our three themes cover the lending and leasing industry’s response to ongoing challenges and opportunities, and address how organizations are planning to become more customer-centric, efficient, and innovative in 2025 and beyond.

This trends books provides a comprehensive overview of the top ten consumer lending and leasing trends that will impact organizations in 2025, offering insights into how financial institutions can improve operations, meet the evolving demands of customers, and drive growth.

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Lending and leasing trends for 2025

Explore the key lending and leasing trends that will influence the financial services industry and establish new benchmarks for efficiency, innovation, and customer value.

Frictionless enterprise
As customer centricity becomes more important, captives seek to streamline digital experiences and build brand loyalty by becoming a one-stop shop for acquiring and financing equipment. In 2025, more captives will seek to integrate automated workforce and unified CRM solutions to deliver seamless auto lending and equipment lending experiences.

Moving towards Equipment-as-a-Service

The equipment finance industry is gradually moving towards an Equipment-as-a-Service (EaaS) model. However, adopting this model means developing comprehensive frameworks that support operational efficiency and customer value. All these will bring value-added services and flexibility to customers.

Embedded finance

Embedded finance is transforming equipment leasing. Enabling the seamless integration of financing solutions into equipment leasing processes, embedded finance empowers lenders to provide the seamless, flexible financing experiences that customers want. Organizations will look to benefit from the enhanced convenience, reduced delay, and improved conversions that embedded finance can deliver.

Expanding B2C channels

Recent technological advancements have made B2C expansion easier than ever before for leasing companies. Seeking to connect with a wider range of customers while delivering seamless and convenient experiences, organizations will look to leverage digital platforms to drive customer satisfaction and engagement with customized leasing options and payment plans.

Bespoke solutions

Equipment financiers are being pushed to provide custom finance solutions for customers. However, personalized solutions are often time-consuming, expensive, and difficult to scale. To overcome these challenges, financiers will turn to bundling solutions and pay-per-use financing models to promote convenience and affordability for customers.

Green asset financing
Increased environmental awareness and a need for sustainability are reshaping the investment landscape. Investment in green assets like electric vehicles, solar panels, wind turbines, and energy-efficient machinery will be a key driver for sustainable growth and innovation.

Navigating the regulatory landscape
Strict regulatory landscapes are influencing lenders to adopt more sustainable and transparent lending practices. Ensuring compliance will require financial institutions to increase their investment in ESG, risk management, and data protection systems, and to make financing low-emission, sustainable assets a priority. 

Ushering digital transformation

Data and AI are at the core of successful digital transformation. Increased investment in data management tools and AI-powered solutions will be a focus as lenders look to increase productivity, reduce manual processing, and enable improved decision-making.

Simplifying and standardizing process

Simplification is key for financial institutions that seek to optimize workflows with AI and ML technologies. Lenders will focus efforts on standardizing processes across regions and business units, with hopes of ensuring consistency, enabling scalable AI and ML implementations, and reducing redundancies.

Balancing automation with human expertise

Though it’s undeniable that AI and ML implementations can generate a positive impact for businesses, direct human involvement remains essential for high-value decisions that require judgment, creativity, and adaptability. Therefore, financial institutions will aim to find the right balance between automating tasks and retaining human involvement for key processes.

Conclusion

In 2025, evolving customer expectations, new technological advancements and shifting risk landscapes will drive rapid change within the lending and leasing industry.

  • At the core of this change is customer centricity: lenders will prioritize customer-centric initiatives, with a particular emphasis on the development of bespoke solutions that are efficient and cost-effective.
  • Coupled with customer centricity is overall business transformation. More financial institutions will look to integrate financing solutions within the customer value chain, and find the right balance of automation and human creativity.
  • In addition, data-driven management and process standardization will remain aspriorities for lenders that aim to improve decision-making and scale technologies globally.

As the lending and leasing industry continues to evolve, the businesses that embrace transformation and customer centricity will be the ones that unlock new opportunities, mitigate risk, ensure compliance, and achieve lasting success.

Transform your lending and leasing business with Capgemini’s expertise

Capgemini is a trusted partner for lending and leasing businesses seeking to leverage the power of advanced technology to capitalize on today’s rapidly evolving market. Our Process Transformation, Intelligent Automation, Report Development, and Vendor Selection and Program Management solutions empower firms to streamline processes, drive efficiency, and enhance data management and analysis. Using our digital transformation experience and expertise, we enable financial institutions to modernize legacy systems, access data insights, and drive growth across all business units and regions.

Unlock the full potential of your business through Capgemini’s industry-leading financial services digital transformation capabilities. Contact us today to discover how we can help you lead in the ever-evolving lending and leasing landscape.

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Meet our experts

Michael Donnary

Senior Director, Head of lending & leasing, North America
Leasing expert with 20+ years’ experience leading global Lease Management System implementations, aligning technical and business needs, and designing integrated, connected leasing ecosystems for enhanced operations and innovation.

Jean-Marc Nerson

Director, Capgemini Invent-Financial Services
Specializes in strategic planning, digital transformation, and program management, advising CXOs and leading major transformation programs in insurance, retail banking, customer finance, and equipment leasing from business and IT perspectives.

Christele Rabardel

Principal, Head of Specialized Financing
With 18 years in financial services, specializes in retail and leasing, operational management, and strategic offerings. She has led leasing application projects in automotive finance and Capgemini’s banking practice.

Himanshu Pahuja

Director, Banking & Diversified Financial
An experienced leader in leasing and banking transformations, specializing in platform modernization, cloud-enabled architectures, digital solutions, and enterprise migrations. Proven expertise in program governance, integration, and driving large-scale operational excellence.

Nidhi Bothra

Senior Manager, Banking & Diversified Financials
Comes with extensive understanding of asset-backed lending products and her skills are focused on building lending products, creating solution definitions and business processes.

Abhijit Mandrekar

Senior Manager, Banking & Diversified Financials
Comes with extensive technical proficiency and integration expertise, specializing in seamless execution of leasing transformation programs for businesses.

Elias Ghanem

Global Head of Capgemini Research Institute for Financial Services
Elias is responsible for Capgemini’s global portfolio of financial services thought leadership. He has more than 20 years of experience in FS, focusing on effective collaboration between banks and the startup ecosystem

Vivek Singh

Head of Banking and Capital Markets, Capgemini Research Institute for FS
Vivek leads the Wealth Management, Banking, FinTech, and Payments sectors in Capgemini Research Institute for Financial Services and has over 12 years of digital, consulting, and business strategy experience. He is a tech enthusiast who tracks industry disruptions, thought leadership programs, and business development and startups.

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    Frequently asked questions

    1. How does Equipment-as-a-Service benefit lending and leasing firms?
      Equipment-as-a-Service (EaaS) creates higher customer impact through addition of ongoing services beyond the equipment itself. The model enables businesses to meet flexible demands of the customer. While EaaS promotes environment and operational benefits, it also pushes firms to explore new complexities in risk management like usage-based payment risk, maintenance and replacement costs associated with the equipment.
    2. Which benefits does embedded finance bring to the lending and leasing industry?
      Embedded leasing options at the point of sale allows customers to make financing decisions instantly, reducing delays and enhancing convenience. By removing barriers to financing, companies see improved conversions as customers are more likely to complete purchases when financing is seamlessly integrated. Embedded finance enables companies to reach new customer segments who might otherwise avoid large upfront costs, thereby expanding their customer base.
    3. How do digital platforms benefit the leasing firms?
      Digital platforms enable leasing companies to offer tailored financial products, improving customer satisfaction and engagement through customized leasing options and payment plans. Leveraging digital platforms for B2C channels provides leasing companies with a scalable model that drives growth, as digital channels require lower overhead compared to traditional in-person services.

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