Digital Consumer Bank

A single model across our markets for our consumer and auto finance business and for Openbank.

• Expand our leadership in consumer lending across our footprint (e.g. #1 finance company in Europe and LatAm, top 5 in the US and top 10 in China in auto finance) by providing the best customer experience and enhancing our global relationships
  
  
• Converge towards a more digital global operating model, building a world-class digital offering in mobility, supporting our partners' transformation journeys 
  
  
• Continue to build flex-term solutions (leasing, subscription, BNPL) based on common platforms to respond quickly to the changes in mobility and consumer ecosystem and our customer needs
  
  
•  Continue gathering deposits as our main source of financing