Assets to Intelligence: Rewriting the Economics of Fleet Finance

Mini-Keynote: For decades, commercial vehicle finance has been built on the assumption that identical assets carry identical risk, but that premise no longer holds in a world where fleets generate continuous, high-resolution data about how assets are actually used, maintained, and stressed. This keynote introduces a fundamental shift in commercial leasing and fleet management: from static, average-based contracts to intelligence-driven systems that price, manage, and regulate risk in real time. As vehicles become software-defined, fleets electrify, and compliance moves from periodic audits to continuous monitoring, capital flows toward predictability, transparency, and trust. Usage-based underwriting, predictive maintenance, and verified ESG performance are transforming fleets into living financial systems where risk is observed rather than inferred. This session sets the stage for how lessors, lenders, insurers, and regulators must evolve their operating models as behavior, not asset class, becomes the primary determinant of value in the next generation of fleet finance.