Our Strategy: MOBILITY2030

Customer loyalty has always played a central role for Volkswagen Financial Services. As the link between customers, brands, and dealers of the Volkswagen Group, we offer a wide range of mobility solutions – from financing and leasing to maintenance and insurance. This has established us as one of the world's largest providers of automotive financial services.

The close bond our customers have with the Group brands and the dealer network is a key advantage, especially when compared to other mobility providers and banks. Our business relies heavily on collaboration with dealers and embraces not only traditional financing and leasing products but also supplementary services such as tire and maintenance packages.

To provide our customers with a consistently positive experience, we are systematically extending our omni-channel capabilities. Our goal is to make the purchasing process as simple and pleasant as possible across all touchpoints, whether online or in person. In our direct business, we focus primarily on large fleet customers, to whom we offer individual and tailored solutions.

The way people use mobility is changing worldwide. More and more customers want flexible access to vehicles rather than ownership. This is increasing the strategic importance of the used car business and of vehicle-related services – for example in the areas of insurance, warranty extensions, maintenance, and tires – to open up new sources of revenue. We will therefore enlarge our product portfolio across the entire vehicle lifecycle – from new cars to used vehicles.

At the same time, we remain true to our role as a sales promoter for the Volkswagen Group brands and are driving global vehicle sales and the transition to battery electric vehicles (BEVs) through our financial and mobility services. Additionally, we are expanding our vehicle-on-demand services in Europe – in strategic cooperation with Europcar. 

The competitive landscape is changing rapidly: digital technologies, automation, and artificial intelligence are intensifying pressure on cost structures and process quality. To be successful and competitive in the long term, we must continuously strengthen our profitability and make our refinancing structures fit for the future. To achieve this, we deploy our equity strategically within our risk framework and leverage economies of scale to improve our cost position and become the cost leader in our industry.

Those who set the right technological course today lay the foundation for sustainable competitiveness and innovation. That is why we strategically deploy data and artificial intelligence (AI) to unlock the full potential of our processes. Thus, AI is transforming the way we work – it boosts efficiency, enhances quality, and opens up new business potential. In a world where speed and precision determine success, AI enables intelligent cost management and the systematic and targeted optimization of processes. 

At the same time, security and stability within our IT infrastructure form the reliable basis for our business model.

Sustainability is not a trend – it is a business necessity and a social responsibility. The transition to a low-emission, resource-efficient future is imperative. Especially in the mobility sector, it is clear that the shift to electric and autonomous mobility is not a question of if, but when – and the answer is not someday, but now. ESG criteria (environmental, social, governance) are more than just guidelines – they are the key to long-term success, innovative strength, and social acceptance.

Those who invest today in sustainable technologies and responsible practices are actively shaping the mobility of tomorrow. Our sustainability strategy, with its dimensions of Nature, Employees, Society, and Business, provides the clear framework for our actions.