ING Scan & Drive: a revolution for car loans and insurance in Belgium

With ING Scan & Drive, ING Belgium demonstrates its leadership in innovation in banking insurance. By simplifying the valuation process and providing instant and personalised services, the bank meets the growing expectations of a demanding and connected customer.

FACTS

• On 13 January 2025 ING Belgium launched a major innovation in the banking and insurance sector: ING Scan & Drive.
• This new tool, powered by artificial intelligence (AI), allows users to get an instant estimate of the costs of a car loan and insurance simply by downloading a photo of the car they are planning to buy.
• This solution, developed in partnership with NN Assurance, is the first of its kind in the Belgian market.
• Thanks to advanced OpenAI-based technology, ING Scan & Drive analyses elements such as brand, model and car type to provide a quick and customizable assessment of associated financial costs.
• According to Sali Salieski, Head of Retail & Private Banking at ING Belgium :

"We are very proud to have developed ING Scan & Drive. This is a unique innovation that reflects our commitment to providing a modern and simple customer experience that meets needs in one place. »

ISSUES

• Simplification of the customer journey : The search and financing of a car, often perceived as complex, becomes accessible in just a few clicks thanks to ING Scan & Drive. This innovation responds to a growing demand for fast and customized solutions in a market where digitalisation has become essential.
• A valorisation of AI technologies The integration of artificial intelligence into costing illustrates the rise of intelligent tools in financial services. By using real-time data, ING Belgium is positioning itself as a pioneer in digitalised banking.
• Strengthening customer loyalty By making it possible to immediately subscribe to auto credit and insurance via a single platform, ING Belgium simplifies the user experience and strengthens the integrated ecosystem of its banking and insurance services.

PERSPECTIVE

• The launch of DING Scan & Drive is part of a broader trend where AI redefines standards of customer experience in the banking sector. At the global level, actors such as Revolut and N26 have already adopted automated tools to simplify financial processes, but few have explored the further integration of visual analysis, risk assessment and real-time subscription.
• In Belgium, ING marks a turning point by offering a tailor-made solution tailored to the needs of local consumers, especially at a time when hybrid and electric vehicles are gaining popularity. As the automotive market evolves towards more sustainable choices, this innovation is relevant to anticipate the energy transition and new customer expectations.
• In addition, the collaboration with NN Assurance demonstrates the importance of strategic partnerships to deliver comprehensive and consistent products that meet both the financial and assurance needs of clients.

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