Blog

In the ever-changing world of financial services, the concept of corporate embedded finance is taking centre stage as we swiftly approach 2024. This dynamic concept is poised to undergo steady and significant transformations over the next few years. Let’s delve into what we, at Toqio, think will emerge in the embedded finance space throughout the […]

Written by Kunal Galav, Mike Galvin, Michael Pierce. The COVID-19 pandemic caused unprecedented disruptions to supply chains globally. Supply chain resilience, digitalization, and diversification emerged as crucial strategies to mitigate future risks and ensure adaptability in volatile market conditions. As per FSB research1, about 77% of UK SMEs are part of the supply chains of […]

And now for something completely different. During a recent meeting with our sales team, they took us through some of their day-to-day interactions with prospective clients. For many of us steeped daily in embedded finance, it was intriguing to learn that many professionals out there may not know very much about the benefits of offering […]

Consulting firms are the architects of change in the business world, offering insights and solutions that guide companies toward growth and success. They navigate the intricate landscape of markets and industries, providing invaluable advice to their clients. In this evolving milieu, an opportunity is arising as embedded finance enters the scene, creating a unique and […]

Optimizing product distribution is a critical factor in maintaining a competitive edge. B2B embedded finance is emerging as a transformative tool. It’s beginning to streamline distribution processes by making distribution more efficient and responsive to market dynamics. While embedded finance is often associated with consumer financial services, it is increasingly finding applications in the corporate […]

The financial industry is experiencing a paradigm shift, with businesses actively seeking new and efficient ways to incorporate financial services into their core offerings. This transformation has given rise to embedded finance, a model that enables companies to integrate financial capabilities into their products or services. Among the pioneering platforms facilitating this revolution is Toqio, […]

In today’s B2B interactions, companies are continually seeking innovative processes to enhance their operations and gain a competitive edge. One such innovation is the utilization of embedded finance to revolutionize supply chain financing. Creating an embedded finance solution can not only optimize cash flow and efficiency, it can also forge stronger bonds between companies and […]

Over the past two decades, the financial service industry has obviously undergone immense transformation, driven chiefly by technological advancements and changing consumer preferences. Conflict or “nonflict”? The emergence of neobanks and challenger banks in the 2010s posed a significant problem for incumbent banks, threatening to disrupt the traditional banking milieu. Recent developments have showcased the […]

In today’s rapidly evolving business landscape, companies are constantly seeking innovative strategies to remain competitive and drive growth. Two compelling concepts that have gained prominence in recent years are corporate embedded finance and corporate hyperfocus. While these strategies may appear distinct at first glance, they share common principles and can be employed together strategically. Synergy […]

Embedded finance, the integration of financial services into non-financial platforms, has transformed the way businesses operate. Corporate embedded finance, the integration of financial services into non-financial business relationships, opens up new avenues for streamlining operations, improving working capital management, moving toward data-driven decision-making, and making financial operations smoother. Embedded finance in franchising In the world […]

Large corporate entities with diverse supplier networks face the contemporary challenges of optimizing procurement processes, improving cash flow, and strengthening relationships with suppliers. Embedded finance offers a compelling solution. For a large retail chain, for example, leveraging embedded finance presents a transformative opportunity to streamline supplier interactions, generate new revenue streams, and enhance customer experiences. […]

In the rapidly evolving landscape of modern business, the concept of embedded finance has taken centre stage. Through this approach, businesses can effortlessly provide a diverse range of financial services such as payments, lending, insurance, and more, to satisfy the numerous business needs of their customers. In the B2B space, closer ties between corporate entities […]

The fintech universe is abuzz with the term “embedded finance”, which refers to the integration of financial products and services into non-financial platforms, applications, or ecosystems. It involves leveraging technology to embed financial functions directly into existing platforms or applications, such as e-commerce websites, mobile apps, or even devices that are a part of the […]

Embedded finance refers to the integration of financial services into non-financial business processes. The concept has been around for some time in digital consumer products. Many apps offer the ability to pay by credit card, on the spot lending, buy-now/pay-later (BNPL), and a variety of other features. Embedded finance, however, is making its way into […]

We’ve previously discussed our conviction that building a fintech solution on our platform is quicker, easier, and better in every way than trying to do it in-house. Cost and time to market are two of the most critical aspects of a project, so we thought we’d lay out all our expenditures in order. Bear in […]

The use of software-as-a-service (SaaS) has surged in the fintech space in recent years. SaaS has become critical to the massive rise of fintech in the wider financial services industry. A mere ten years ago, many market observers still considered fintech to be a peripheral trend that would come and go. However, in the last […]

While fintech has grown year-on-year since 2010, it has really advanced since 2020. This rapid acceleration is set to continue in 2023, with many factors coming together to cause major waves (tsunamis, in fact) in the fintech space. Some of the most important drivers of trends include increasing pressure from regulatory authorities worldwide, the state […]

One of the hottest topics in fintech right now is related to processes that need to occur prior to any sort of software development. “Compliance” is the banner term used to refer to adherence to all the national and international regulations that must be followed in order to release a compliant financial product. Releasing software […]

To understand what a design system is, we first need to understand what is meant when the term “design” is used. In the past, “graphic design” referred almost exclusively to print materials based on handicraft processes. The new digital reality completely changed the discipline. The means to manipulate virtual assets gave workers new capabilities, such […]

In just a few years, open banking laws have gone global. Scores of countries around the world have followed the European Union’s lead by creating their own version of open banking regulation. While some are at different stages of development, the global financial system is increasingly “open”. What is open banking? Open banking is legislation […]

Fintech is swiftly moving to become a concept offered nearly exclusively through software-as-a-service (SaaS). That’s a big claim, but one that is inescapable to make if you observe the historical waves of online technology dominance and renewal. The SaaS paradigm isn’t a flash in the pan fad, it’s the B2B manifestation of a larger connected […]

It has been 53 years since the Stonewall Uprising and the subsequent foundation of annual Gay Pride demonstrations, first in the USA then worldwide. Those demonstrations have, over time, given way to parades and celebrations. Both types of gathering have been seminal in the evolution of gay rights – from being something discussed as a […]

Embedded finance enables any company to incorporate banking products such as lending, BNPL, payment services, wallets, and rewards direct into their customer experience as a service within their range—and without having to redirect users to a third party. That means they can integrate payments on their site so buyers need not enter their card details […]

Traditional onboarding sees new clients have to pencil a window into their busy schedules to visit you onsite, then spend hours signing documents, discussing company policies and procedures, and watching presentations. It can be a time-consuming and even frustrating process—but, accelerated by the pandemic, it’s no longer the onboarding of choice for most forward-thinking enterprises. […]

The pandemic might have brought the importance of digital banking to the attention of a much broader array of customers—but it merely expedited a phenomenon that was already making waves among tech-savvy consumers and perturbing the incumbent banks.  Traditional banking methods, whether in a branch, by phone, or at an ATM, lost much appeal during […]

Digitization has taken the world by storm, with advanced analytics and technology penetrating every industry. Fintech companies have their sights set on the banking industry, positioned to supersede its primacy—but all manner of challengers are right behind them, with non-banks and corporates looking to embed financial service offerings into their customer journeys at lightning speed. […]

The digital age has seen the inexorable rise of tailor-made offerings delivering personalized products, services, and pricing to customers. Over the past decade, banks have deployed increasingly customized offerings such as micro-segmentation and packaged products and services to boost customer loyalty and maintain their competitive advantage. And one thing has become clear: this is no […]

As customers demand ever more personalised and consistent omnichannel communication—and inadvertently drive digital transformation in the process—every business is compelled to design and deliver exceptional experiences both online and offline. This exploration leads to companies investing in unified customer profiles which rely on machine learning to power intelligent decisions in real time. Traditionally this entailed […]