Lease-vs-Buy & Asset Finance Decisions
Choose asset strategies on economics, not accounting preference.
The executive challenge
The problem this program solves
The lease-vs-buy agenda is stuck between two truths: the strategy deck says transform, and the income statement says the legacy book still pays the salaries. A mispriced lease-vs-buy decision does not show up in one quarter; it shows up in your cost of funding for the next five years. You will stress-test your own institution in the IPAT Data Lab™ and leave with a lease-vs-buy strategy that survives both a supervisor and a competitor.
Context
Why this matters now
Capability
What you will be able to do
- Diagnose where your institution creates — and destroys — value in lease-vs-buy across the balance sheet.
- Present a lease-vs-buy position to boards and supervisors with evidence they will accept.
- Read the economics of lease-vs-buy like an operator: unit costs, network effects and risk-adjusted return.
- Sequence a lease-vs-buy transformation agenda that a board will fund and a regulator will endorse.
The IPAT Course Standard
The five-day journey
Each day is a deliberate progression in managerial capability — from strategic context, to analytical frameworks, to applied practice, to executive judgement under pressure, to a capstone that produces something your organisation keeps.
IPAT Signature Case™
The Partnership With Two Ledgers
A mobile-money platform has signed a fintech partnership in lease-vs-buy: revenue is shared one way in the contract and recognised another way in the books, and the partner’s conduct is now a supervisory topic. Nobody has reconciled the two ledgers since launch.
Your decision: Renegotiate, ring-fence, or exit the lease-vs-buy partnership — before the supervisor reconciles them for you.
IPAT Data Lab™
The lease-vs-buy unit economics at a mobile-money platform work in the business case and fail in the ledger.
Dataset: Synthetic product-level revenue, cost and capital data for a mobile-money platform.
Your task: Rebuild the unit economics, stress them against rate and funding shocks, and recommend what to scale or exit.
A stress-tested lease-vs-buy economics model and a board-grade summary page.
Data → Analysis → Decision, not Data → Code → Certificate
Day 5 · The Capstone
What will you change when you return to work?
Produce a digital finance transformation strategy for your institution: where to play, what to own, which partnerships, and the regulatory posture required.
Methodology
Frameworks you will master
- • IPAT Decision Intelligence Framework™
- • IPAT Transformation Architecture™
- • Value-chain decomposition
- • Risk-adjusted performance measurement (RAROC)
- • Basel-aligned capital and liquidity concepts
Cohorts
Upcoming cohorts
New dates are being scheduled
Register with your preferred start date and our admissions team will match you to the next available cohort — or contact us to arrange an in-house delivery for your organisation.
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