{"id":910190,"date":"2025-04-04T07:14:29","date_gmt":"2025-04-04T07:14:29","guid":{"rendered":"https:\/\/www.capgemini.com\/pl-pl\/?post_type=research-and-insight&#038;p=910190"},"modified":"2025-12-05T13:15:15","modified_gmt":"2025-12-05T13:15:15","slug":"top-lending-and-leasing-trends-2025","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/pl-pl\/insights\/biblioteka\/top-lending-and-leasing-trends-2025\/","title":{"rendered":"Top lending and leasing trends 2025"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:52% 100%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Customer first<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">G\u0142\u00f3wne trendy w obszarze po\u017cyczek i leasingu na 2025 rok\u00a0<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/01\/Capgemini_Top-Trends-2025_Lending-and-Leasing.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download trends book<\/span><span class=\"type\">2 MB pdf<\/span><\/a><\/div><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capgemini_Top-Trends-2025_Infographic_Lending-and-Leasing-2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download infographic<\/span><span class=\"type\">223 KB pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=1082239\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=1082239\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-przeksztalc-wyzwania-branzowe-w-zrownowazona-przewage-konkurencyjna-nbsp\">Przekszta\u0142\u0107 wyzwania bran\u017cowe w zr\u00f3wnowa\u017con\u0105 przewag\u0119 konkurencyjn\u0105&nbsp;<\/h3>\n\n\n\n<p>Nowe trendy w po\u017cyczkach komercyjnych zmieniaj\u0105 oblicze bran\u017cy us\u0142ug finansowych. Badania Capgemini wskazuj\u0105 trzy kluczowe obszary, kt\u00f3re b\u0119d\u0105 kszta\u0142towa\u0107 przysz\u0142o\u015b\u0107 po\u017cyczek i leasingu:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><strong>Klient na pierwszym miejscu<\/strong> \u2013<\/strong> skupia si\u0119 na transformacji do\u015bwiadcze\u0144 klient\u00f3w, zw\u0142aszcza w kontek\u015bcie interakcji omnichannel i postrzeganej warto\u015bci produkt\u00f3w oraz us\u0142ug.<\/li>\n\n\n\n<li><strong><strong>Zarz\u0105dzanie przedsi\u0119biorstwem<\/strong> \u2013<\/strong> koncentruje si\u0119 na ulepszaniu proces\u00f3w, zespo\u0142\u00f3w i rozwi\u0105za\u0144, aby zwi\u0119kszy\u0107 zwinno\u015b\u0107, efektywno\u015b\u0107 operacyjn\u0105 i optymalizowa\u0107 koszty dzia\u0142alno\u015bci.<\/li>\n\n\n\n<li><strong><strong>Inteligentny przemys\u0142<\/strong> \u2013<\/strong> dotyczy nowoczesnych rozwi\u0105za\u0144 cyfrowych, kt\u00f3re organizacje wdra\u017caj\u0105, aby poprawi\u0107 do\u015bwiadczenia klient\u00f3w i przekszta\u0142ci\u0107 ca\u0142y \u0142a\u0144cuch warto\u015bci.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Wraz z rosn\u0105cym wykorzystaniem sztucznej inteligencji (AI) i analityki danych, firmy skupiaj\u0105 si\u0119 na uproszczeniu proces\u00f3w, obni\u017caniu koszt\u00f3w i inteligentnym skalowaniu dzia\u0142alno\u015bci w dynamicznie zmieniaj\u0105cym si\u0119 rynku. Te trzy tematy pokazuj\u0105, jak bran\u017ca po\u017cyczek i leasingu odpowiada na wyzwania i szanse, a tak\u017ce jak organizacje planuj\u0105 sta\u0107 si\u0119 bardziej zorientowane na klienta, efektywne i innowacyjne w 2025 roku i p\u00f3\u017aniej.&nbsp;<\/p>\n\n\n\n<p>Raport przedstawia 10 najwa\u017cniejszych trend\u00f3w w bran\u017cy po\u017cyczek i leasingu, kt\u00f3re wp\u0142yn\u0105 na organizacje w 2025 roku. Zawiera r\u00f3wnie\u017c porady, jak instytucje finansowe mog\u0105 poprawi\u0107 swoje operacje, dostosowa\u0107 si\u0119 do zmieniaj\u0105cych si\u0119 oczekiwa\u0144 klient\u00f3w i nap\u0119dza\u0107 wzrost.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/01\/Capgemini_Top-Trends-2025_Lending-and-Leasing.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download now<\/a><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">Trendy w bran\u017cy po\u017cyczek i leasingu na 2025 rok\u00a0<\/h2><\/div><p>Przeanalizuj kluczowe trendy w po\u017cyczkach i leasingu, kt\u00f3re b\u0119d\u0105 mia\u0142y wp\u0142yw na bran\u017c\u0119 us\u0142ug finansowych oraz wprowadz\u0105 nowe standardy efektywno\u015bci, innowacji i warto\u015bci dla klient\u00f3w.\u00a0<\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Priorytet klienta<\/h3><\/div><div class=\"expander-content\"><p><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<p><strong>Bezproblemowe przedsi\u0119biorstwo&nbsp;<\/strong><br>Wraz z rosn\u0105cym znaczeniem orientacji na klienta, firmy zale\u017cne staraj\u0105 si\u0119 upro\u015bci\u0107 cyfrowe do\u015bwiadczenia i budowa\u0107 lojalno\u015b\u0107 marki, oferuj\u0105c kompleksow\u0105 obs\u0142ug\u0119 zakupu i finansowania sprz\u0119tu. W 2025 roku wi\u0119cej firm zale\u017cnych b\u0119dzie integrowa\u0107 zautomatyzowane rozwi\u0105zania dla pracownik\u00f3w oraz zunifikowane systemy CRM, by zapewni\u0107 p\u0142ynne do\u015bwiadczenia w zakresie po\u017cyczek samochodowych i finansowania sprz\u0119tu.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Przej\u015bcie na model Equipment-as-a-Service (EaaS)&nbsp;<\/strong><\/p>\n\n\n\n<p>Bran\u017ca finansowania sprz\u0119tu powoli przechodzi na model Equipment-as-a-Service (EaaS). Wprowadzenie tego modelu wymaga stworzenia kompleksowych ram, kt\u00f3re wspieraj\u0105 efektywno\u015b\u0107 operacyjn\u0105 i zwi\u0119kszaj\u0105 warto\u015b\u0107 dla klient\u00f3w. Te zmiany przynios\u0105 klientom elastyczno\u015b\u0107 oraz us\u0142ugi o warto\u015bci dodanej.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Finanse osadzone w procesach&nbsp;<\/strong><\/p>\n\n\n\n<p>Finanse osadzone zmieniaj\u0105 leasing sprz\u0119tu. Umo\u017cliwiaj\u0105 integracj\u0119 rozwi\u0105za\u0144 finansowych z procesami leasingu, pozwalaj\u0105c po\u017cyczkodawcom oferowa\u0107 p\u0142ynne i elastyczne do\u015bwiadczenia finansowe, jakich oczekuj\u0105 klienci. Organizacje b\u0119d\u0105 stara\u0142y si\u0119 korzysta\u0107 z wygody, mniejszych op\u00f3\u017anie\u0144 i lepszych konwersji, kt\u00f3re zapewniaj\u0105 finanse osadzone.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Rozw\u00f3j kana\u0142\u00f3w B2C&nbsp;<\/strong><\/p>\n\n\n\n<p>Dzi\u0119ki post\u0119pom technologicznym firmy leasingowe \u0142atwiej ni\u017c kiedykolwiek rozszerzaj\u0105 swoj\u0105 dzia\u0142alno\u015b\u0107 B2C. D\u0105\u017c\u0105c do dotarcia do szerszego kr\u0119gu klient\u00f3w i zapewnienia wygodnych do\u015bwiadcze\u0144, organizacje b\u0119d\u0105 wykorzystywa\u0107 platformy cyfrowe, by zwi\u0119kszy\u0107 satysfakcj\u0119 klient\u00f3w i zaanga\u017cowanie, oferuj\u0105c dopasowane opcje leasingowe i plany p\u0142atno\u015bci.&nbsp;<\/p>\n\n\n\n<p><\/p>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Zarz\u0105dzanie przedsi\u0119biorstwem\u00a0<\/h3><\/div><div class=\"expander-content\"><p><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<p><strong>Rozwi\u0105zania dopasowane do potrzeb klienta&nbsp;<\/strong><\/p>\n\n\n\n<p>Firmy finansuj\u0105ce sprz\u0119t musz\u0105 oferowa\u0107 spersonalizowane rozwi\u0105zania finansowe. Niestety, cz\u0119sto s\u0105 one czasoch\u0142onne, kosztowne i trudne do skalowania. Aby sprosta\u0107 tym wyzwaniom, firmy b\u0119d\u0105 wykorzystywa\u0107 modele pakietowe oraz finansowanie w systemie \u201ep\u0142a\u0107 za u\u017cycie\u201d, co ma na celu poprawienie wygody i dost\u0119pno\u015bci dla klient\u00f3w.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Finansowanie zielonych aktyw\u00f3w&nbsp;<\/strong><br>Rosn\u0105ca \u015bwiadomo\u015b\u0107 ekologiczna oraz potrzeba zr\u00f3wnowa\u017conego rozwoju zmieniaj\u0105 rynek inwestycji. Inwestycje w zielone aktywa, takie jak pojazdy elektryczne, panele s\u0142oneczne, turbiny wiatrowe i maszyny energooszcz\u0119dne, stan\u0105 si\u0119 kluczowym elementem nap\u0119dzaj\u0105cym zr\u00f3wnowa\u017cony rozw\u00f3j i innowacje.&nbsp;<span style=\"font-size: 1rem; letter-spacing: 0.4px;\"><\/span><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Zgodno\u015b\u0107 z regulacjami&nbsp;<\/strong><br>Zdecydowane przepisy regulacyjne zmuszaj\u0105 po\u017cyczkodawc\u00f3w do przyj\u0119cia bardziej zr\u00f3wnowa\u017conych i przejrzystych praktyk. Aby zapewni\u0107 zgodno\u015b\u0107, instytucje finansowe b\u0119d\u0105 musia\u0142y zwi\u0119kszy\u0107 inwestycje w systemy ESG, zarz\u0105dzanie ryzykiem oraz ochron\u0119 danych, a tak\u017ce skoncentrowa\u0107 si\u0119 na finansowaniu aktyw\u00f3w o niskiej emisji oraz zr\u00f3wnowa\u017conym rozwoju.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Inteligentny przemys\u0142<\/h3><\/div><div class=\"expander-content\"><p><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<p><strong>Usuwanie transformacji cyfrowej&nbsp;<\/strong><\/p>\n\n\n\n<p>Dane i sztuczna inteligencja s\u0105 podstaw\u0105 udanej transformacji cyfrowej. Wzrost inwestycji w narz\u0119dzia do zarz\u0105dzania danymi oraz rozwi\u0105zania oparte na sztucznej inteligencji b\u0119dzie priorytetem, gdy po\u017cyczkodawcy b\u0119d\u0105 d\u0105\u017cy\u0107 do zwi\u0119kszenia wydajno\u015bci, ograniczenia r\u0119cznego przetwarzania oraz usprawnienia podejmowania decyzji.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Uproszczenie i standaryzacja proces\u00f3w<\/strong><\/p>\n\n\n\n<p>Uproszczenie proces\u00f3w jest kluczowe dla instytucji finansowych, kt\u00f3re chc\u0105 zoptymalizowa\u0107 przep\u0142ywy pracy z wykorzystaniem AI i ML. Po\u017cyczkodawcy b\u0119d\u0105 koncentrowa\u0107 si\u0119 na standaryzacji proces\u00f3w w r\u00f3\u017cnych regionach i jednostkach biznesowych, aby zapewni\u0107 sp\u00f3jno\u015b\u0107, umo\u017cliwi\u0107 skalowalne wdro\u017cenie technologii AI i ML oraz zredukowa\u0107 zb\u0119dne czynno\u015bci.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>R\u00f3wnowa\u017cenie automatyzacji z wiedz\u0105 ludzk\u0105&nbsp;<\/strong><\/p>\n\n\n\n<p>Cho\u0107 wdro\u017cenie AI i ML mo\u017ce przynie\u015b\u0107 korzy\u015bci biznesowe, zaanga\u017cowanie cz\u0142owieka w proces podejmowania decyzji pozostaje kluczowe, szczeg\u00f3lnie w przypadku decyzji o wysokiej warto\u015bci, kt\u00f3re wymagaj\u0105 oceny, kreatywno\u015bci i elastyczno\u015bci. Dlatego instytucje finansowe b\u0119d\u0105 d\u0105\u017cy\u0107 do znalezienia r\u00f3wnowagi mi\u0119dzy automatyzacj\u0105 a utrzymaniem ludzkiego zaanga\u017cowania w kluczowe procesy.&nbsp;<\/p>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-podsumowanie-nbsp\">Podsumowanie&nbsp;<\/h2>\n\n\n\n<p>W 2025 roku zmieniaj\u0105ce si\u0119 oczekiwania klient\u00f3w, nowe osi\u0105gni\u0119cia technologiczne i zmieniaj\u0105ce si\u0119 krajobrazy ryzyka b\u0119d\u0105 nap\u0119dza\u0107 szybkie zmiany w bran\u017cy kredytowej i leasingowej.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>W centrum tych zmian znajduje si\u0119 koncentracja na kliencie: po\u017cyczkodawcy b\u0119d\u0105 priorytetowo traktowa\u0107 inicjatywy zorientowane na klienta, ze szczeg\u00f3lnym naciskiem na opracowywanie niestandardowych rozwi\u0105za\u0144, kt\u00f3re s\u0105 wydajne i op\u0142acalne.&nbsp;<\/li>\n\n\n\n<li>Wraz z koncentracj\u0105 na kliencie nast\u0105pi og\u00f3lna transformacja biznesowa. Coraz wi\u0119cej instytucji finansowych b\u0119dzie d\u0105\u017cy\u0107 do integracji rozwi\u0105za\u0144 finansowych z \u0142a\u0144cuchem warto\u015bci klienta, szukaj\u0105c w\u0142a\u015bciwej r\u00f3wnowagi mi\u0119dzy automatyzacj\u0105 a kreatywno\u015bci\u0105 cz\u0142owieka.&nbsp;<\/li>\n\n\n\n<li>Dodatkowo zarz\u0105dzanie oparte na danych i standaryzacja proces\u00f3w pozostan\u0105 priorytetem dla po\u017cyczkodawc\u00f3w, kt\u00f3rzy chc\u0105 usprawni\u0107 podejmowanie decyzji i skalowa\u0107 technologie na ca\u0142ym \u015bwiecie.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>W miar\u0119 jak bran\u017ca kredytowa i leasingowa b\u0119dzie si\u0119 dalej rozwija\u0107, firmy, kt\u00f3re przyjm\u0105 transformacj\u0119 i koncentracj\u0119 na kliencie, b\u0119d\u0105 tymi, kt\u00f3re odblokuj\u0105 nowe mo\u017cliwo\u015bci, zminimalizuj\u0105 ryzyko, zapewni\u0105 zgodno\u015b\u0107 z przepisami i osi\u0105gn\u0105 trwa\u0142y sukces.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-przeksztalc-swoj-biznes-kredytowy-i-leasingowy-dzieki-ekspertyzie-capgemini-nbsp\">Przekszta\u0142\u0107 sw\u00f3j biznes kredytowy i leasingowy dzi\u0119ki ekspertyzie Capgemini.&nbsp;<\/h4>\n\n\n\n<p>Capgemini to zaufany partner dla firm z bran\u017cy kredytowej i leasingowej, kt\u00f3re chc\u0105 wykorzysta\u0107 zaawansowane technologie, aby skorzysta\u0107 z dynamicznie zmieniaj\u0105cego si\u0119 rynku. Nasze rozwi\u0105zania w zakresie Transformacji Proces\u00f3w, Inteligentnej Automatyzacji, Tworzenia Raport\u00f3w oraz Wybierania Dostawc\u00f3w i Zarz\u0105dzania Programami pomagaj\u0105 firmom usprawnia\u0107 procesy, zwi\u0119ksza\u0107 wydajno\u015b\u0107 oraz poprawia\u0107 zarz\u0105dzanie i analiz\u0119 danych. Dzi\u0119ki naszemu do\u015bwiadczeniu i wiedzy w zakresie transformacji cyfrowej umo\u017cliwiamy instytucjom finansowym modernizacj\u0119 przestarza\u0142ych system\u00f3w, dost\u0119p do wniosk\u00f3w opartych na danych oraz rozw\u00f3j we wszystkich jednostkach biznesowych i regionach.&nbsp;<\/p>\n\n\n\n<p>Wykorzystaj pe\u0142ny potencja\u0142 swojej firmy dzi\u0119ki wiod\u0105cym na rynku mo\u017cliwo\u015bciom transformacji cyfrowej us\u0142ug finansowych Capgemini. Skontaktuj si\u0119 z nami ju\u017c dzi\u015b i dowiedz si\u0119, jak mo\u017cemy pom\u00f3c Ci osi\u0105gn\u0105\u0107 sukces w stale zmieniaj\u0105cym si\u0119 krajobrazie kredytowym i leasingowym.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n\t\t<section\n\t\t\tclass=\"section section--lifeatcap-learning section--event-slider-careerInvent \">\n\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class='career-invent-header'>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"slider slider-fader 52b27f60-079a-47f6-9502-57ff02a6ab3f\">\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"slider-list \">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"slide active \">\n\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\tclass=\"slide-bg-wrapper wp-block-cg-blocks-career-invent is-style-sapphire1\">\n\t\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"col-md-6 col-sm-12 box-inner \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"68\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Banking top trends 2025\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tBanking top trends 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Explore our new trends books 2025 series to understand evolving developments across the banking industry\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"white-space: pre-wrap;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tExplore our new trends books 2025 series to understand evolving developments across the banking industry\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\"> <a class=\"more2\" data-maxlength=\"24\" aria-label=\"Read more o Banking top trends 2025\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t tabindex=\"0\" href=\"https:\/\/www.capgemini.com\/insights\/research-library\/banking-top-trends-2025\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead more\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=600&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\" \/>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" class=\"box-img\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tobject-position: 50% 50%; object-fit: cover;\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<!-- <img decoding=\"async\" class=\"box-img\" src=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t<\/section>\n\n\t\t\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-najczesciej-zadawane-pytania\"><strong>Najcz\u0119\u015bciej zadawane pytania<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong><strong>W jaki spos\u00f3b model Equipment-as-a-Service (EaaS) przynosi korzy\u015bci firmom zajmuj\u0105cym si\u0119 po\u017cyczkami i leasingiem<\/strong>?<\/strong><br>Model Equipment-as-a-Service (EaaS) tworzy wi\u0119kszy wp\u0142yw na klienta poprzez dodanie ci\u0105g\u0142ych us\u0142ug opr\u00f3cz samego sprz\u0119tu. Model ten pozwala firmom na elastyczne dostosowanie si\u0119 do wymaga\u0144 klient\u00f3w. Cho\u0107 EaaS promuje korzy\u015bci \u015brodowiskowe i operacyjne, zmusza tak\u017ce firmy do eksploracji nowych trudno\u015bci w zarz\u0105dzaniu ryzykiem, takich jak ryzyko oparte na u\u017cytkowaniu, koszty konserwacji oraz wymiany sprz\u0119tu.&nbsp;<\/li>\n\n\n\n<li><strong><strong>Jakie korzy\u015bci finansowe niesie za sob\u0105 finansowanie wbudowane w bran\u017cy po\u017cyczek i leasingu?<\/strong>&nbsp;<\/strong><br>Wbudowane opcje leasingu w punkcie sprzeda\u017cy pozwalaj\u0105 klientom podejmowa\u0107 decyzje finansowe natychmiastowo, co skraca czas oczekiwania i zwi\u0119ksza wygod\u0119. Usuni\u0119cie barier finansowych prowadzi do wy\u017cszych wska\u017anik\u00f3w konwersji, poniewa\u017c klienci cz\u0119\u015bciej finalizuj\u0105 zakupy, gdy finansowanie jest bezproblemowo zintegrowane. Wbudowane finansowanie umo\u017cliwia firmom dotarcie do nowych segment\u00f3w klient\u00f3w, kt\u00f3rzy w przeciwnym razie mogliby unika\u0107 du\u017cych koszt\u00f3w pocz\u0105tkowych, rozszerzaj\u0105c tym samym swoj\u0105 baz\u0119 klient\u00f3w.&nbsp;<\/li>\n\n\n\n<li><strong><strong>Jakie korzy\u015bci nios\u0105 ze sob\u0105 platformy cyfrowe dla firm leasingowych?<\/strong><\/strong><br>Platformy cyfrowe pozwalaj\u0105 firmom leasingowym oferowa\u0107 dopasowane produkty finansowe, poprawiaj\u0105c satysfakcj\u0119 i zaanga\u017cowanie klient\u00f3w poprzez spersonalizowane opcje leasingowe oraz plany p\u0142atno\u015bci. Wykorzystanie platform cyfrowych do kana\u0142\u00f3w B2C zapewnia firmom leasingowym skalowalny model, kt\u00f3ry sprzyja wzrostowi, poniewa\u017c kana\u0142y cyfrowe wymagaj\u0105 mniejszych nak\u0142ad\u00f3w operacyjnych w por\u00f3wnaniu do tradycyjnych us\u0142ug \u015bwiadczonych osobi\u015bcie.&nbsp;<\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How does Equipment-as-a-Service benefit lending and leasing firms?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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. 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Capgemini\u2019s latest research identifies three core themes around which the future of lending and leasing will evolve:<\/p>\n","protected":false},"author":440,"featured_media":910191,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"8f4ac715-e22c-4d61-b7e0-bb119daa5391\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":371,"primary_term":"Customer 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