{"id":4855,"date":"2022-10-28T15:15:09","date_gmt":"2022-10-28T13:15:09","guid":{"rendered":"https:\/\/www.teamwillgroup.com\/?p=4855"},"modified":"2022-11-09T17:35:32","modified_gmt":"2022-11-09T16:35:32","slug":"les-tendances-du-leasing-2022-une-transformation-tiree-par-les-enjeux-ecologiques-financiers-et-levolution-des-modes-de-consommation-2","status":"publish","type":"post","link":"https:\/\/www.teamwillgroup.com\/fr\/insights\/les-tendances-du-leasing-2022-une-transformation-tiree-par-les-enjeux-ecologiques-financiers-et-levolution-des-modes-de-consommation-2\/","title":{"rendered":"Les tendances du leasing 2022"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:var(--awb-color3);border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-space-between\" style=\"max-width:1289.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div style=\"text-align:center;\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img fetchpriority=\"high\" decoding=\"async\" fetchpriority=\"high\" width=\"1024\" height=\"496\" alt=\"recharge en roulant light\" title=\"recharge-en-roulant-light\" src=\"https:\/\/www.teamwillgroup.com\/wp-content\/uploads\/2022\/10\/recharge-en-roulant-light-e1666349666826-1024x496.jpg\" class=\"img-responsive wp-image-4766\" srcset=\"https:\/\/www.teamwillgroup.com\/wp-content\/uploads\/2022\/10\/recharge-en-roulant-light-e1666349666826-200x97.jpg 200w, https:\/\/www.teamwillgroup.com\/wp-content\/uploads\/2022\/10\/recharge-en-roulant-light-e1666349666826-400x194.jpg 400w, https:\/\/www.teamwillgroup.com\/wp-content\/uploads\/2022\/10\/recharge-en-roulant-light-e1666349666826-600x291.jpg 600w, https:\/\/www.teamwillgroup.com\/wp-content\/uploads\/2022\/10\/recharge-en-roulant-light-e1666349666826-800x388.jpg 800w, https:\/\/www.teamwillgroup.com\/wp-content\/uploads\/2022\/10\/recharge-en-roulant-light-e1666349666826.jpg 1164w\" sizes=\"(max-width: 640px) 100vw, 1024px\" \/><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-1{margin-top:50px!important; margin-right:0px!important;margin-bottom:0px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-1{margin-top:10px!important; margin-right:0px!important;margin-bottom:10px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"margin-top:50px;margin-right:0px;margin-bottom:0px;margin-left:0px;\"><h1 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;Montserrat&quot;;font-weight:300;margin:0;color:#000000;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><h2 data-fontsize=\"28\" data-lineheight=\"33.6px\"><\/h2>\n<div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-one\">\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"28\" data-lineheight=\"33.6px\"><span class=\"TextRun SCXW145065363 BCX8\" lang=\"FR-FR\" xml:lang=\"FR-FR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW145065363 BCX8\" data-ccp-charstyle=\"s2\" data-ccp-charstyle-defn=\"{&quot;ObjectId&quot;:&quot;16edfbb7-eee9-46b6-b340-df58be0ab8f5|34&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:&#091;469775450,&quot;s2&quot;,201340122,&quot;1&quot;,134233614,&quot;true&quot;,469778129,&quot;s2&quot;,335572020,&quot;1&quot;,469778324,&quot;Default Paragraph Font&quot;&#093;}\">Une transformation tir\u00e9e par les enjeux \u00e9cologiques, financiers et l\u2019\u00e9volution des modes de consommation<\/span><span class=\"NormalTextRun SCXW145065363 BCX8\" data-ccp-charstyle=\"s2\">.<\/span><\/span><span class=\"EOP SCXW145065363 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:45,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<\/div><\/h1><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-space-between\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_2_3 2_3 fusion-flex-column fusion-flex-align-self-center\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-space-around fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-1\" style=\"font-family:&quot;Montserrat&quot;;font-weight:300;\"><p>Existant depuis des temps anciens, le leasing est un contrat de cr\u00e9dit tripartite \u00e0 dur\u00e9e d\u00e9termin\u00e9e, principalement utilis\u00e9 par les entreprises pour financer des investissements importants. D\u00e9mocratis\u00e9 dans les ann\u00e9es 70 par l\u2019\u00e9mergence des automobiles au sein des foyers, le leasing dont le terme est associ\u00e9 \u00e0 deux offres de location distinctes, la location longue dur\u00e9e (LLD) et la location avec option d&rsquo;achat (LOA), jouissait alors d\u2019une mauvaise r\u00e9putation puisqu\u2019il \u00e9tait associ\u00e9 aux \u00ab bad boys \u00bb qui dilapidaient leur argent en louant des belles voitures au lieu de construire un foyer.<\/p>\n<p>Aujourd\u2019hui, le leasing est utilis\u00e9 par les particuliers comme par les professionnels et les entreprises, pour toutes sortes d\u2019investissements, mobiliers (biens d\u2019\u00e9quipement, mat\u00e9riel informatique, mat\u00e9riel m\u00e9dical, \u2026) comme immobiliers. Conjugu\u00e9 sous diff\u00e9rentes formes, il permet le financement de tous moyens de locomotion standards mais aussi plus ludique : le v\u00e9lo \u00e9lectrique, la trottinette, segway, gyro-roue, hoverboard&#8230;<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-0{width:66.666666666667% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-nested-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 2.88%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 2.88%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-0{width:66.666666666667% !important;order : 0;}.fusion-builder-nested-column-0 > .fusion-column-wrapper {margin-right : 2.88%;margin-left : 2.88%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-0{width:100% !important;order : 0;}.fusion-builder-nested-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-2\" style=\"font-size:2px;color:#000000;font-family:&quot;Montserrat&quot;;font-weight:200;\"><blockquote>\n<p>En 2022, 40% des v\u00e9hicules neufs sont financ\u00e9s en leasing (avec ou sans option d\u2019achat), contre 25,7% pour les v\u00e9hicules d\u2019occasions, dont la hausse, a fait un bon de 45% sur le T1 2022. A date, 31% des financements en montant concernent le march\u00e9 automobile, dont 62% en leasing qui repr\u00e9sentent 47% des immatriculations des v\u00e9hicules neufs pour 836 millions d\u2019euros.<\/p>\n<\/blockquote>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-1{width:33.333333333333% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-nested-column-1 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 5.76%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-1{width:33.333333333333% !important;order : 0;}.fusion-builder-nested-column-1 > .fusion-column-wrapper {margin-right : 5.76%;margin-left : 5.76%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-1{width:100% !important;order : 0;}.fusion-builder-nested-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><div class=\"fusion-text fusion-text-3\" style=\"font-family:&quot;Montserrat&quot;;font-weight:400;\"><h3 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"23\" data-lineheight=\"27.6px\"><b><span data-contrast=\"auto\">Le leasing r\u00e9pond aux \u00e9volutions de la soci\u00e9t\u00e9.<\/span><\/b><span data-ccp-props=\"{\">\u00a0<\/span><\/h3>\n<p>Ce financement se singularise par sa capacit\u00e9 \u00e0 s\u2019adapter aux \u00e9volutions de la soci\u00e9t\u00e9, r\u00e9pondant \u00e0 l\u2019\u00e9conomie circulaire, \u00e0 la volont\u00e9 d\u2019acc\u00e9der \u00e0 l\u2019usage plut\u00f4t qu\u2019au bien, au souhait de renouveler r\u00e9guli\u00e8rement son \u00e9quipement, \u00e0 la volont\u00e9 d\u2019avoir des offres \u00ab\u00a0full-service\u00a0\u00bb.<\/p>\n<p>Alors que les mois de pand\u00e9mie ont stopp\u00e9 une bonne partie de l\u2019\u00e9conomie fran\u00e7aise comme mondiale, les entreprises en ont profit\u00e9 pour modifier leurs espaces de travail et \u00e9quiper leurs salari\u00e9s en ordinateurs et t\u00e9l\u00e9phones portables. En faisant massivement appel au leasing, elles lib\u00e8rent ainsi une partie de leur fond propre.<\/p>\n<p>L\u2019Etat m\u00eame pr\u00e9conise l\u2019utilisation du leasing pour l\u2019accession aux v\u00e9hicules \u00e9lectriques. La mesure \u00ab\u00a0macron\u00a0\u00bb propose d\u2019acqu\u00e9rir un v\u00e9hicule \u00e9lectrique \u00e0 moins de 100 euros par mois\u00a0en LOA, aux jeunes, aux professions sociaux-m\u00e9dicales et aux revenus les plus modestes. Seraient concern\u00e9s 100\u00a0000 v\u00e9hicules pour 50 Millions d\u2019euros, sur la 1ere ann\u00e9e, \u00e0 compter de septembre 2022.<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n<\/div><div class=\"fusion-text fusion-text-4\" style=\"font-family:&quot;Montserrat&quot;;font-weight:400;\"><h3 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"23\" data-lineheight=\"27.6px\"><b><span data-contrast=\"auto\">Ces enjeux incitent les parties prenantes \u00e0 mettre en \u0153uvre des partenariats avec des acteurs sp\u00e9cialis\u00e9s.<\/span><\/b><span data-ccp-props=\"{\">\u00a0<\/span><\/h3>\n<p>Les associations avec des fintechs se multiplient pour am\u00e9liorer l\u2019exp\u00e9rience client et les offres de services.<\/p>\n<ul>\n<li>A titre d\u2019exemple, CAL&amp;F, acteur majeur du cr\u00e9dit-bail et de l\u2019affacturage en France et en Europe, lance son premier projet \u00abStart&amp;Pulse\u00bb pour \u00abam\u00e9liorer la joignabilit\u00e9\u00bb, les processus et les offres gr\u00e2ce \u00e0 la collaboration avec des start-ups\u00b9.<\/li>\n<li>La Banque Postale mise sur NovaLend pour digitaliser son offre de cr\u00e9dit-bail\u00b2.<\/li>\n<li>ALD est entr\u00e9e en 2021 au capital de la start-up technologique belge \u00ab Skipr \u00bb afin de proposer des services de mobilit\u00e9 plus diversifi\u00e9s et adapt\u00e9s aux nouveaux usages<span data-contrast=\"auto\">\u00b3.<\/span><\/li>\n<li>BNP Paribas Leasing Solutions, en collaboration avec Fleet, permet d\u2019automatiser l\u2019int\u00e9gralit\u00e9 du parcours de demande du leasing.<\/li>\n<\/ul>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n<\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-space-between\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-2 fusion_builder_column_inner_2_3 2_3 fusion-flex-column fusion-flex-align-self-center\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-5\" style=\"font-family:&quot;Montserrat&quot;;font-weight:400;\"><h3 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"23\" data-lineheight=\"27.6px\"><b><span data-contrast=\"auto\">La transformation digitale, d\u00e9j\u00e0 initi\u00e9e depuis quelques ann\u00e9es, est devenue n\u00e9cessaire pour r\u00e9pondre aux attentes de produits, services et d\u2019exp\u00e9rience client.<\/span><\/b><\/h3>\n<p>Pendant des ann\u00e9es, les syst\u00e8mes informatiques des banques ont \u00e9t\u00e9 un obstacle \u00e0 la transformation digitale.<\/p>\n<p>L\u2019enjeu consiste non seulement \u00e0 poursuivre la transformation digitale (recommand\u00e9e par l\u2019ACPR*) mais \u00e9galement \u00e0 renforcer la r\u00e9silience de leurs syst\u00e8mes d\u2019information, am\u00e9liorer la modularit\u00e9, l\u2019interop\u00e9rabilit\u00e9 et profiter de l\u2019\u00e9mergence des nouvelles technologies : l\u2019intelligence artificielle et la blockchain font leur entr\u00e9e dans le leasing.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-2{width:66.666666666667% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-nested-column-2 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 2.88%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 2.88%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-2{width:66.666666666667% !important;order : 0;}.fusion-builder-nested-column-2 > .fusion-column-wrapper {margin-right : 2.88%;margin-left : 2.88%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-2{width:100% !important;order : 0;}.fusion-builder-nested-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-3 fusion_builder_column_inner_1_3 1_3 fusion-flex-column fusion-flex-align-self-center\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-6\" style=\"font-size:6px;color:#000000;font-family:&quot;Montserrat&quot;;font-weight:200;\"><blockquote>\n<p>L&rsquo;\u00e9tude ACPR* 2022 sur la transformation num\u00e9rique du secteur bancaire fran\u00e7ais (n\u00b0131), explique comment les banques traditionnelles poursuivent leur transformation digitale avec une priorit\u00e9 strat\u00e9gique claire : repenser la relation client pour mieux la conserver.<\/p>\n<\/blockquote>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-3{width:33.333333333333% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-nested-column-3 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 5.76%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-3{width:33.333333333333% !important;order : 0;}.fusion-builder-nested-column-3 > .fusion-column-wrapper {margin-right : 5.76%;margin-left : 5.76%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-3{width:100% !important;order : 0;}.fusion-builder-nested-column-3 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><div class=\"fusion-text fusion-text-7\" style=\"font-family:&quot;Montserrat&quot;;font-weight:400;\"><h3><\/h3>\n<p><b><span data-contrast=\"auto\">L\u2019Intelligence Artificielle\u202fpeut contribuer \u00e0 l\u2019analyse comportementale des conducteurs, aux calculs des cotations, \u00e0 l\u2019\u00e9valuation du risque, aux calculs de VR.<\/span><\/b><span data-ccp-props=\"{\">\u00a0<\/span><\/p>\n<ul>\n<li>IBM propose un suivi rapproch\u00e9 de tous les \u00e9v\u00e8nements de la vie du v\u00e9hicule, ainsi que le comportement du client au volant. Ces donn\u00e9es sont alors utilis\u00e9es pour le calcul de la Valeur R\u00e9siduelle et permet l\u2019adaptation des contrats<span data-contrast=\"auto\">\u2074 <\/span>voir des \u00e9ch\u00e9ances \u00e0 la conduite et \u00e0 l\u2019entretien du v\u00e9hicule.<\/li>\n<\/ul>\n<ul>\n<li>L\u2019IA contribue \u00e9galement \u00e0 la s\u00e9curit\u00e9 des conducteurs par le biais de nombreux capteurs, au confort de conduite par l\u2019int\u00e9gration de la m\u00e9t\u00e9o et du trafic dans l\u2019aide \u00e0 la navigation, g\u00e8re l\u2019entretien pr\u00e9dictive pour traiter les soucis avant qu\u2019ils n\u2019apparaissent\u2075 et remontent ces informations aux constructeurs mais \u00e9galement aux financeurs qui pourraient demain, pourquoi pas, int\u00e9grer ces donn\u00e9es au scoring d\u2019octroi de la prochaine location.<\/li>\n<\/ul>\n<h3><\/h3>\n<p><span data-ccp-props=\"{\">\u00a0<\/span><b><span data-contrast=\"auto\">La Blockchain pour combattre la fraude, s\u00e9curiser les contrats, am\u00e9liorer l\u2019exp\u00e9rience client&#8230;<\/span><\/b><\/p>\n<ul>\n<li>Les opportunit\u00e9s envisag\u00e9es sont l\u2019am\u00e9lioration du parcours client, avec un registre partag\u00e9 et infalsifiable, la facilitation de l\u2019octroi, avec la solution de KYC Leia (Synecron, R3), la limitation des risques de fraudes (l&rsquo;application de la start-up Monuma) et la r\u00e9duction des co\u00fbts coupl\u00e9s avec la performance (Paypite propose par exemple plus de 10 000 transactions \u00e0 la seconde, s\u00e9curis\u00e9es \u00e0 faible co\u00fbt).<\/li>\n<\/ul>\n<ul>\n<li>L\u2019utilisation des \u00ab\u00a0smart contracts\u00a0\u00bb\u00a0pr\u00e9sente aussi un use-case int\u00e9ressant, en bloquant le v\u00e9hicule devant le domicile du locataire en cas de d\u00e9faut de paiement\u00a0; en donnant automatiquement la main \u00e0 l\u2019agent de recouvrement en d\u00e9bloquant une cl\u00e9 sp\u00e9ciale facilitant la reprise du v\u00e9hicule. Cette fonctionnalit\u00e9 ayant un impact organisationnel et humain non n\u00e9gligeable dans les services de recouvrement ou de contentieux, n\u00e9cessite de repenser les process de suivi des contrats.<\/li>\n<\/ul>\n<ul>\n<li>Le NFT, qui pourrait \u00eatre apparent\u00e9 \u00e0 un coffre-fort est une cl\u00e9 certifi\u00e9e modifi\u00e9e lors de chaque intervention sur le v\u00e9hicule qui garantit le kilom\u00e9trage, la connaissance d\u2019un incident, des interventions sur le v\u00e9hicule. Ce concept infalsifiable n\u2019est valable que si le v\u00e9hicule n\u2019est entretenu par son constructeur. Ce concept on\u00e9reux, avec Alfa Rom\u00e9o en pr\u00e9curseur, ne semble pas encore se propager aupr\u00e8s d\u2019autres marques.<\/li>\n<\/ul>\n<p>Les cas d\u2019usage sont multiples, \u00e0 condition de croire en ces nouvelles technologies. Au Maroc la filiale leasing du groupe BCP, dans le cadre de la digitalisation continue de son offre et de l\u2019am\u00e9lioration de l\u2019exp\u00e9rience client, lance une op\u00e9ration d\u2019\u00e9mission d\u2019obligations bas\u00e9e sur la technologie Blockchain en faisant appel aux meilleurs standards de la technologie Blockchain, qui garantissent un niveau de s\u00e9curit\u00e9 \u00e9lev\u00e9 et permettant une r\u00e9duction des co\u00fbts et des d\u00e9lais, ainsi qu\u2019une grande fluidit\u00e9 de traitement. \u2026 En France, les principaux financeurs restent prudents et les cas d\u2019usage portent principalement sur la tra\u00e7abilit\u00e9 du v\u00e9hicule, la s\u00e9curit\u00e9 du conducteur et le montant de l\u2019assurance en lien avec sa conduite\u2076.<\/p>\n<h3><\/h3>\n<h3 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"23\" data-lineheight=\"27.6px\"><b><span data-contrast=\"auto\">Le leasing, valeur refuge des institutions financi\u00e8res.<\/span><\/b><span data-ccp-props=\"{\">\u00a0<\/span><\/h3>\n<p>Dans un contexte \u00e9conomique incertain, le march\u00e9 du leasing devient une valeur refuge pour contribuer \u00e0 la croissance des r\u00e9sultats des \u00e9tablissement financiers.<\/p>\n<p>Nous constatons de plus une concentration forte du march\u00e9. A titre d\u2019exemple\u00a0:<\/p>\n<ul>\n<li>La Soci\u00e9t\u00e9 G\u00e9n\u00e9rale a acquis LeasePlan, num\u00e9ro 1 europ\u00e9en du secteur de la LOA pour 4,9 milliards\u2077.<\/li>\n<li>Pour p\u00e9n\u00e9trer de nouveaux march\u00e9s et en particulier la mobilit\u00e9, Cofidis investit le march\u00e9 automobile en partenariat avec Aiways\u2078<a href=\"#_ftn3\" name=\"_ftnref3\"><\/a>.<\/li>\n<li>Pour s\u2019\u00e9tendre \u00e0 l\u2019international, Leasys poursuit son d\u00e9veloppement avec le rachat de l&rsquo;espagnol Drivalia Car Rental\u2079.<\/li>\n<\/ul>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n<\/div><div class=\"fusion-text fusion-text-8 fusion-text-no-margin\" style=\"line-height:1;margin-top:1px;margin-bottom:1px;\"><p style=\"text-align: right; padding-left: 40px;\"><strong>Pascal Benarousse, Associ\u00e9<\/strong><\/p>\n<p style=\"text-align: right; padding-left: 40px;\"><strong>Laurence Loison, Senior Manager<\/strong><\/p>\n<\/div><div class=\"fusion-text fusion-text-9 fusion-no-small-visibility fusion-text-no-margin\" style=\"text-align:left;font-size:10px;font-family:&quot;Montserrat&quot;;font-weight:300;\"><p><a href=\"https:\/\/acpr.banque-france.fr\/la-transformation-numerique-dans-le-secteur-bancaire-francais\">*https:\/\/acpr.banque-france.fr\/la-transformation-numerique-dans-le-secteur-bancaire-francais<\/a><\/p>\n<p><a href=\"https:\/\/connect.capdigital.com\/evenements\/start--pulse--comment-ameliorer-la-joignabilite-sur.html\">\u00b9https:\/\/connect.capdigital.com\/evenements\/start&#8211;pulse&#8211;comment-ameliorer-la-joignabilite-sur.html\u00a0<\/a><\/p>\n<p><a href=\"https:\/\/www.planet-fintech.com\/La-Banque-Postale-s-associe-a-la-fintech-NovaLend-pour-digitaliser-son-offre-de-credit-bail_a2409.html\">\u00b2https:\/\/www.planet-fintech.com\/La-Banque-Postale-s-associe-a-la-fintech-NovaLend-pour-digitaliser-son-offre-de-credit-bail_a2409.html<\/a><\/p>\n<p><a href=\"https:\/\/www.societegenerale.com\/fr\/actualites\/communiques-de-presse\/ald-entre-au-capital-de-skipr-une-startup-maa\">\u00b3https:\/\/www.societegenerale.com\/fr\/actualites\/communiques-de-presse\/ald-entre-au-capital-de-skipr-une-startup-maa<\/a><\/p>\n<p><a href=\"https:\/\/www.ibm.com\/blogs\/internet-of-things\/iot-blockchain-automotive-sales\/\">\u2074https:\/\/www.ibm.com\/blogs\/internet-of-things\/iot-blockchain-automotive-sales\/<\/a><\/p>\n<p><a href=\"https:\/\/www.leaseplan.com\/fr-fr\/blog\/technologie-innovation\/intelligence-artificielle\/\">\u2075https:\/\/www.leaseplan.com\/fr-fr\/blog\/technologie-innovation\/intelligence-artificielle\/<\/a><\/p>\n<p><a href=\"https:\/\/www.journaldunet.com\/economie\/finance\/1512115-mourir-peut-attendre-la-blockchain-et-les-nfts-au-chevet-du-secteur-automobile\/\">\u2076https:\/\/www.journaldunet.com\/economie\/finance\/1512115-mourir-peut-attendre-la-blockchain-et-les-nfts-au-chevet-du-secteur-automobile\/<\/a><\/p>\n<p><a href=\"https:\/\/pro.largus.fr\/actualites\/ald-societe-generale-achete-leaseplan-pour-49-milliards-deuros-10820394.html#:~:text=dans%2043%20pays.-,La%20Soci%C3%A9t%C3%A9%20G%C3%A9n%C3%A9rale%20est%20en%20passe%20de%20devenir%20un%20mastodonte,du%20nouvel%20ensemble%2C%20baptis%C3%A9%20NewALD.\">\u2077https:\/\/pro.largus.fr\/actualites\/ald-societe-generale-achete-leaseplan-pour-49-milliards-deuros-10820394.html#:~:text=dans%2043%20pays.-,La%20Soci%C3%A9t%C3%A9%20G%C3%A9n%C3%A9rale%20est%20en%20passe%20de%20devenir%20un%20mastodonte,du%20nouvel%20ensemble%2C%20baptis%C3%A9%20NewALD.<\/a><\/p>\n<p><a href=\"https:\/\/www.cofidis-group.com\/2021\/06\/15\/aiways-nouvel-acteur-du-marche-de-lautomobile-choisit-cofidis-pour-laccompagner-dans-le-developpement-de-son-activite-100-digitale-en-france\/\">\u2078https:\/\/www.cofidis-group.com\/2021\/06\/15\/aiways-nouvel-acteur-du-marche-de-lautomobile-choisit-cofidis-pour-laccompagner-dans-le-developpement-de-son-activite-100-digitale-en-france\/<\/a><\/p>\n<p><a href=\"https:\/\/www.media.stellantis.com\/fr-fr\/leasys\/press\/fca-bank-par-l-intermdiaire-de-sa-filiale-leasys-finalise-l-acquisition-de-drivalia-car-rental-en-espagne-leasys\">\u2079https:\/\/www.media.stellantis.com\/fr-fr\/leasys\/press\/fca-bank-par-l-intermdiaire-de-sa-filiale-leasys-finalise-l-acquisition-de-drivalia-car-rental-en-espagne-leasys<\/a><\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":4766,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[28],"tags":[104,103,31],"class_list":["post-4855","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights","tag-blockchain","tag-ia","tag-transformation-digitale"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les tendances du leasing 2022 - Teamwill<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.teamwillgroup.com\/fr\/insights\/les-tendances-du-leasing-2022-une-transformation-tiree-par-les-enjeux-ecologiques-financiers-et-levolution-des-modes-de-consommation-2\/\" \/>\n<meta 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