{"id":10783,"date":"2026-02-22T22:53:02","date_gmt":"2026-02-22T21:53:02","guid":{"rendered":"https:\/\/www.eurogroupconsulting.com\/?p=10783"},"modified":"2026-03-02T16:58:24","modified_gmt":"2026-03-02T15:58:24","slug":"ai-driving-the-future-of-automative-financing","status":"publish","type":"post","link":"https:\/\/www.eurogroupconsulting.com\/en\/publications\/etude\/ai-driving-the-future-of-automative-financing","title":{"rendered":"AI: Driving the future of Automative Financing"},"content":{"rendered":"
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Artificial intelligence is becoming increasingly central to the automotive finance sector, which is now at a crossroads:<\/b><\/h2>\n

AI initiatives are currently supporting leasing processes but it is not yet driving & enhancing business decision-making<\/b><\/h4>\n
    \n
  • AI is currently used mainly for back-office automation & operational support;<\/li>\n
  • Final underwriting & strategic decisions remain mainly human-driven. AI is at the early stage of development!<\/li>\n<\/ul>\n


    <\/b><\/h4>

    Bottleneck in AI adoption is governance:<\/b><\/h4>\n
      \n
    • Most companies operate with less-than-mature AI & Data governance => There is under 25% of successful scaled AI initiatives;<\/li>\n
    • AI Steering Committee is the cornerstone to define vision, build the roadmap, coordinate & guide AI transition.<\/li>\n<\/ul>\n
       <\/div>\n
      \n

      Build, Prove, Monetise<\/b><\/h4>\n
        \n
      • Trust, integration and measurable business impacts are drivers for autofinance operators to select & scale up AI solutions;<\/li>\n
      • Solution providers must deliver secure, mature and compliant products able to be seamlessly integrated with existing systems.<\/li>\n<\/ul>\n
         <\/div>\n
        \n

        AI transformation is cultural rather than technical<\/b><\/h4>\n
          \n
        • Robust AI Change management & support is needed;<\/span><\/li>\n
        • Create an \u201cAI Academy\u201d for a knowledge archive avoiding potential brain drain;<\/span><\/li>\n
        • Build an AI ambassadors network for day to day business usages marketing & support.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
          \n\t\t\t\t\t\t\t\t\t

          Download the full study to find out more in the study conducted jointly by Eurogroup Consulting and ESCP Business School.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

          Our firm is pleased to announce the co-option of Judith Vilalta and Yves-Jos\u00e9 de Miguel as partners.<\/p>","protected":false},"author":7,"featured_media":10899,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33],"tags":[38,43],"class_list":["post-10783","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-etude","tag-featured-post","tag-highlight"],"acf":[],"yoast_head":"\nAI: Driving the future of Automative Financing<\/title>\n<meta name=\"description\" content=\"Artificial intelligence is becoming increasingly central to the automotive finance sector, which is now at a crossroads...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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