This is one of the key questions that industry players must answer today in a context of profound changes to their environment.

The automotive sector is undergoing significant transformations: electrification, decarbonization, new market entrants, an unstable regulatory environment, and buyers shifting from an ownership mindset to a usage-based approach. In this context, financing is critical to ensuring accessibility, but it is becoming increasingly risky for specialized players. With the rising cost of credit amid high interest rates, increasing vehicle prices, and declining purchasing power, financing providers are being affected by a tense economic environment in France and Europe. As usage patterns evolve, traditional financing models are being challenged and gradually replaced by flexible, adaptable, and multi-purpose solutions. With these new usage trends and the shift toward electrification, resale value risks are harder to control, and calculating residual values has become far more uncertain.

Opportunities exist to create value in new areas:

1. The digitalization of the customer journey helps ensure a better experience for buyers while optimizing and securing operational processes.
2. Artificial intelligence positively impacts many processes and enables more effective asset lifecycle management.
3. The circular economy offers options for extending asset lifespans by giving them multiple lives.

All these topics will be discussed at the next edition of the Teamwill Decision Makers Club on July 8. Teamwill has developed insights and tailored solutions on these subjects to address customer needs.