• Digital Directions 2:

    Realising your digital journey

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Digital Directions 2:

Realising your digital journey

Our first Digital Directions report, published in 2017, explored leading industry opinion on how digitalisation was changing asset finance. In this follow-up, we look more closely at where companies have reached in their digital journey. Scroll down to find out more.


  • 71

    said they have a digital leader on the management team who can combine business/marketing with technical expertise

  • 55

    said they hadn’t started using non-traditional data yet

  • 34

    strongly disagreed that their organisation had a strong culture of using data to learn more about customers and optimise processes

  • 36

    of companies are currently actioning the insights gained through data collection and analysis

  • Data

    We are now using telematics extensively to add value and enable personalisation of our messages to promote loyalty and retention. We are investigating how we can exploit the monetary opportunities from outsourced services and data collected from cars.

    Miguel Cabaça, Managing Director | Arval
  • Data

    It is not the volume of data which is important - it is the relevance.

    Chris Ballinger, Chairman | MOBI
  • Emerging Technologies

    Blockchain and related trust-enhancing technologies are poised to redefine the automotive industry and how consumers purchase, insure and use vehicles.

    Chris Ballinger, Chairman | MOBI

What skills are currently lacking?

  • 78

    General digital awareness

  • 70

    Data science

  • 62

    Machine learning / AI

  • 47

    Other emerging tech

  • Skills

    We need to focus on the fundamentals of purpose, culture, strategy and capability if we are to close the skills gap. However, the culture of many organisations is preventing them from achieving this goal.

    Andy Follows, Managing Director | Aquilae
  • Skills

    Today half the staff are stepping up to the digital challenge, the other half are content to look out of the window and watch the traffic going by. This is a normal self-selection process. Therefore, by default some staff are making themselves more expendable.

    Chris Ballinger, Chairman | MOBI
  • Infrastructure

    Arval sees partnerships with fintechs as a way of continuing to deliver customer satisfaction in the future.

    Miguel Cabaça, Managing Director | Arval

What data are you collecting?

  • 57

    Asset usage data

  • 54

    Customer activity at the end of contract

  • 53

    Data collected at point of sale

  • 51

    Details of online customer research

  • Perspectives

    Digital Directions 2 draws on a significant body of research and insights from across the retail, fleet and equipment finance industry.

    Steve Taplin, Global Sales Director, Chief Digital Officer | Alfa
  • Perspectives

    You don’t need a digital strategy. You need a strategy for a digital world.

    Andy Follows, Managing Director | Aquilae
  • Perspectives

    90% of the data in the world has been generated over the last two years.

    Forbes | May 2018
  • Perspectives

    The only constant in the technology industry is change.

    Marc Benioff, CEO & Founder | Salesforce

Download the report

  • Actual Cover

    Digital Directions Part Two Full Report