Leasing in 2025: Key Trends and How to Stay Ahead

Our experts closely monitor the leasing market and understand the challenges companies face. Here’s an overview of key trends and technologies that help leasing companies succeed.

AI in Leasing: Smarter Predictions, More Efficient Processes, and Precise Client Targeting

Artificial intelligence is transforming the leasing business. It’s no longer just about customer scoring—AI is enabling leasing companies to manage their entire service portfolio intelligently, predict customer needs, and automate processes across the organization. What are the main trends?

• Dynamic client segmentation and lead prediction – AI analyzes historical data, fleet renewal cycles, and macroeconomic indicators (NACE classification, revenue, growth stage) to help leasing companies target the right clients at the right time.
• Integration of internal and external data – Data sources such as CRM systems, credit registers, business registries, and financial statements provide leasing companies with critical customer insights. A Data Lake integrates these sources into a unified system, enabling advanced analytics for precise targeting and cross-business opportunities.
• Predictive insurance modeling – AI assesses the probability of insurance claims and optimizes fleet contracts based on real risk factors.
• AI assistance for faster application processing – Automated tools and AI technology  in self-service zones speed up lease approvals, simplify administration, and minimize manual interventions.
• Smart omnichannel calculations – A centralized platform connected to external data sources (residual values, ESG impact, insurance) enables leasing companies to generate accurate offers across digital channels.

[.infobox]AI is becoming a strategic driver for leasing companies, optimizing processes, unlocking new business opportunities, and increasing profitability.[.infobox]

Digitalization & System Modernization: Speed Matters, Outdated Systems Slow Innovation

Leasing companies are under pressure to provide instant approvals, integrate with banking and fintech ecosystems, and meet increasingly stringent regulatory requirements. However, outdated IT systems often slow innovation, causing customers to turn to competitors.

Key areas of innovation:

• AI-driven scoring and automated client verification – Replacing complex administrative processes to accelerate lease approvals.
• Fully digital customer zone – Enables contract management, modifications, and payments online without the need for physical visits.
• Biometric signing and BankID integration – Speeds up onboarding while minimizing paperwork.
• Cloud migration and API-first architecture – Ensures flexibility, speed, and better connectivity with banks, insurers, and fintech providers.
• Automated reporting and compliance management – Simplifies adherence to regulatory requirements (IFRS 16, AML, KYC).
• Modular and flexible core systems – Emerging financing models, such as dynamic leasing, require modern platforms capable of adapting to market changes.

[.infobox]Leasing companies that continue relying on legacy systems will fall behind. Those investing in modernization will gain the agility needed for new business models.[.infobox]

Sustainable Mobility: Greener Fleets & New Business Models

The shift towards low-emission and electric vehicles is becoming a priority for the leasing industry. Combined with initiatives to develop Mobility as a Service (MaaS), this transition is creating an entirely new ecosystem for vehicle ownership and usage. What does this mean in practice?

• Carbon footprint tracking – Automated tools allow leasing companies to monitor the environmental impact of their fleets.
• Predictive fleet maintenance – In-vehicle data analysis optimizes operations and extends vehicle lifespans.
• Pay-per-use leasing – A new generation of customers prefers flexible financing models over traditional leasing contracts.

[.infobox]Sustainable mobility is becoming a key decision factor—not just for corporate clients but also for regulators.[.infobox]

Smart Fleet Management: Reducing Costs & Enhancing Efficiency

Modern technologies are transforming fleet management for corporate clients:

• Automated insurance claim processing – Uses telematics data for faster claim settlements.
• Real-time driver scoring – Provides personalized operational leasing offers and better fleet financing options, helping leasing companies optimize fleet management.
• Dynamic billing based on usage – Introduces flexible payment structures driven by real-time vehicle data.

[.infobox]Data is the key to more efficient fleet management and new business models.[.infobox]

The Future of Leasing Belongs to Those Who Leverage Technology for Growth. Contact us

Are you ready to keep pace with innovation? Contact our experts and discover how to make the most of these emerging trends.