Strategy | Volkswagen Financial Services

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• MOBILITY2030
• Vision and Mission
• Strategic Dimensions
• Our People - Our Values

A part of the Volkswagen Group strategy

Our strategy: MOBILITY2030 

The transformation of many industries is omnipresent. Core drivers of this process are artificial intelligence, the transition towards e-mobility and the increasing focus on sustainability, which permeate almost every area of life and are changing the purchasing and demand behavior of many customers. This trend will also have a significant influence on automotive sales in the future. A flexible access to the vehicle, in particular, is becoming more and more relevant, and the focus is increasingly on the pure use of the vehicle rather than ownership.

With its strategy "Mobility for Generations", the Volkswagen Group has defined its roadmap for the transformation as "Global Automotive Tech Driver". In doing so, the development and expansion of mobility solutions was defined as an important core element. In this context, we at Volkswagen Financial Services are assuming a central role, which is why our VW FS strategy MOBILITY2030 is closely linked to the strategic goals of the Volkswagen Group.

The core task of Volkswagen Financial Services is to develop and offer a comprehensive, overarching mobility platform in close collaboration with the brands of the Volkswagen Group. This will give customers fast, digital, and flexible access to mobility – from car sharing to car subscriptions and leasing. In this way, we are expanding our existing business model from a pure automotive financial services provider to a mobility provider. The focus increasingly lies on Vehicle-on-Demand (VoD) offerings, especially in Europe. 

Find out more about the Group strategy "Mobility for Generations" here.

Customer Loyalty

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.

Vehicle

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. 

Profitability

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.

 

Data & Technology

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

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. 

Our world is in constant flux – we are confronted with numerous challenges, trends, and driving forces. We are actively shaping this transformation of working life for our entire workforce in order to ensure the sustainable development of our company. As part of this process, we are placing even greater focus on our employees. After all, they are the foundation of our success. 

We are committed to ensuring fair, safe, and inclusive working conditions in the long term. At the same time, we expect personal responsibility, commitment, a willingness to learn, and active participation to successfully navigate our transformation into a data-driven company.

We firmly believe that our diverse initiatives enable everyone to unleash their full potential – exactly where it has the greatest impact.

This is the way we shape the future: digital, value-driven, competent, and diverse. Together.

Courage

We promote the best ideas and take calculated risks in pursuit of our common goals.

• We weigh all arguments and never only insist on our own position.
• We challenge the status quo and never settle for average.
• We take responsibility for our decisions and learn from mistakes.

Trust

We feel empowered to take decisions and can rely on the commitments of our colleagues.

• We create an environment where everyone feels comfortable to take decisions across all hierarchy levels. 
• We treat each other with respect and seek each other’s opinion.
• We share our ideas, even controversial ones.
• We concentrate on the result and let everyone choose the best path to achieve it.

Customer Centricity

We understand the true needs of our customers and direct all our efforts to fulfill them with fairness and integrity.

• We focus on customer value first, when assessing new business opportunities.

• We remain ever curious about our customers, seeing every touchpoint as an opportunity to learn more.
• We constantly ask our customers how to make their lives easier and more convenient.

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