Blog

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 […]

After a tremendous combined effort from our team, Toqio is delighted to share that it recently achieved full Payment Card Industry Data Security Standard (PCI DSS) certification. This information security standard is the industry benchmark in card data protection and sensitive card information management. Its full implementation is a very complex, time-consuming task for any […]

On May 11 Toqio officially inaugurated the company’s new office space in the heart of the Spanish capital, Madrid, hosting an event for the fast-growing Spanish fintech space and international digital banking industry. Banking and fintech professionals from across the Spanish financial ecosystem were in attendance, as well as from the UK, Germany, and elsewhere. […]

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 […]

Digitisation 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 nonbanks 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 personalised products, services, and pricing to customers. Over the past decade, banks have deployed increasingly customised offerings such as microsegmentation 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 […]