Financed IT Purchases Continue Their Upward Trend

Romanians are becoming more cautious when evaluating their spending, yet investments in technology continue to be a priority. Data from the partnership between tbi bank and PC Garage show that, between 2022 and 2025, the value of financed IT purchases increased by more than 200%, while the number of transactions grew by over 210%.

This growth reflects sustained demand for equipment used for professional work, education, and everyday activities. At the same time, the rapid expansion of artificial intelligence-based applications is driving higher demand for high-performance laptops, desktop computers, and hardware components.

Demand for Flexible Financing Continues to Grow

Average Shopping Basket Keeps Increasing

The upward trend continued in 2025. The volume of financing provided through the partnership was 20% higher than in the previous year, while the number of transactions increased by 12%. In addition, the average shopping basket value rose by approximately 7.6%, from €668 to €719.

According to Dan Stănică, eCommerce Director at tbi bank, consumers are making more informed purchasing decisions while continuing to invest in products that support their professional activities and learning. In this context, financing solutions help customers manage their monthly budgets more efficiently.

Artificial Intelligence Drives Demand for High-Performance Hardware

The first months of 2025 confirm that interest in financing technology purchases remains strong. Through tbi bank, PC Garage customers have access to financing solutions designed for online shopping, including interest-free installment payment options for purchases of up to RON 4,000.

Răzvan Pop, Marketing Manager at PC Garage, states that demand for flexible financing has remained consistent in recent years. In his view, the rapid development of artificial intelligence applications is encouraging more consumers to choose high-performance equipment, supporting both demand for IT products and the need for accessible and predictable financing solutions.