Raul Mambrilla, Director, EMEA Payment Solutions, HP: Why we don't have a captive but utilise partners instead

In this episode of the Finance Connect European Equipment Finance Podcast, host Richard O'Donohue is joined by Raul Mambria, Payment Solutions Director for Europe, Middle East and Africa at HP Inc., for a conversation on financing in the technology sector. Raul explains why HP champions leasing over cash purchase, why the company moved to a multi-vendor finance partner model rather than building a captive after its 2015 split from HPE, and what he looks for in a strong finance partner relationship - including competitive pricing, geographic coverage, and a genuine appetite for business development. The conversation also explores why printers and PCs behave so differently as leased assets, how memory shortages and the shift to AI PCs are reshaping demand and residual value forecasting, and Raul's prediction that the industry is heading toward fully flexible subscription models for hardware, software and services.