This IDC Market Analysis Perspective highlights how shifting platforms disrupts IT leasing and financing markets. IT leasing and financing companies are starting to feel the impact of the 3rd Platform. Enterprises have already changed the way they consume and acquire IT equipment, and now they are changing the way they pay for it. The shift to more flexible IT consumption models is impacting the payment trends in this space. Customers are looking for the same flexibility and choice in payment options as they have in their IT consumption models. In the recent past, only a small number of IT financing companies that were responding to this need but that is starting to change, as most IT captives, large independents, and banks are responding to this trend.