Blog

Embedded finance - 5 min read
It’s time to order – embedded finance solutions for the F&B industry

This article was originally published on FoodBev Media The European foodservice industry is expected to reach €731 billion in revenue by 2026, according to recent research statistics published by ReportLinker. Online sales of food and drink products are also projected to grow, from €50 billion to €133 billion by 2027. This predicted growth provides new […]

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Embedded finance - 6 min read
B2B embedded finance strategies for success

Embedded finance is in the midst of transforming the B2B sector and reshaping the way companies interact and grow. The adoption of embedded finance is gaining huge momentum, primarily due to technological advancements and an increasing demand for integrated financial networks. Despite its growing popularity, many large companies aren’t taking advantage of this opportunity due […]

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Embedded finance - 5 min read
Business challenges solved through embedded finance

There are a wide array of advantages to leveraging embedded finance and just as many business challenges that can be surmounted using this emerging technology paradigm. Though embedded finance requires an investment of time, resources, and technological development, it is swiftly becoming critical for businesses to offer banking and other financial services to partners in […]

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Embedded finance - 5 min read
Three paths to increased revenue through corporate embedded finance

In today’s highly competitive market, companies must adopt innovative strategies to thrive. Corporate embedded finance is gaining traction as a way for companies to leverage their existing ecosystems to generate financial benefits. By integrating financial services into their merchant networks, companies can uncover new revenue streams while delivering enhanced customer experiences and streamlining operations. Automating […]

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Merchant networks - 4 min read
Cultivating a solid merchant network through embedded finance

The idea of a merchant network has gone beyond the traditional transactional paradigm. The concept is swiftly becoming a game-changer for large corporations. As an interconnected ecosystem of businesses, suppliers, stakeholders, and distributors, a merchant network can foster collaboration and ultimately retention and exclusivity through the use of embedded financial services such as those offered […]

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Merchant lending - 4 min read
The future of digital merchant lending: What to expect

Digital merchant lending refers to the practice of using digital platforms to offer loans and financial support to merchants within a specific company’s business ecosystem. Due to a surge in fintech companies that leverage deep data analysis, machine learning, and digital automation, merchant lending is swiftly gaining widespread popularity. This form of lending is revolutionizing […]

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Embedded finance - 6 min read
Improving loyalty and retention through embedded finance

One of the biggest benefits of corporate embedded finance is the fact that it can be used to generate hyper-personalization for end users. The concept of hyper-personalization refers to providing a consumer or business the ability to customize products and services to such a degree that what is contracted is tailored meticulously to incredibly specific […]

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Market trends - 5 min read
Corporate embedded finance in 2024

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 […]

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Embedded finance - 7 min read
Unlocking ecosystem potential: The value of developing embedded finance

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 […]

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Embedded finance - 8 min read
The seven wonders of corporate embedded finance you might not know

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 […]

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Consulting - 6 min read
The consultant’s complete guide to reselling embedded finance

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 […]

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Embedded finance - 4 min read
The top five ways to leverage embedded finance in product distribution

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 […]

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Compliance - 4 min read
If you're not compliant you're dead in the water

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, […]

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Embedded finance - 5 min read
Market secret: Embedded finance is redefining supply chains

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 […]

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BaaS - 6 min read
Incumbents are making giant strides in the BaaS landscape

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 […]

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Fintech - 5 min read
Unlocking success: The symbiotic relationship between corporate embedded finance and hyperfocus

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 […]

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Embedded finance - 3 min read
Unlocking the potential of corporate embedded finance in franchising

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 […]

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Embedded finance - 4 min read
Leveraging embedded finance to cultivate enduring supplier relationships

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. […]

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Embedded finance - 5 min read
Five things to consider when monetizing your embedded finance solution

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 […]

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Tech - 4 min read
The technology behind embedded finance

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 […]

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Embedded finance - 3 min read
Corporate embedded finance: The next frontier

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 […]

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Fintech - 7 min read
What it actually costs to build a fintech solution

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 […]

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Fintech - 6 min read
How fintech SaaS is generating companies multi-million dollar savings

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 […]

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Fintech - 5 min read
Fintech trends for 2023

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 […]

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Legal - 4 min read
The necessity of compliance

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 […]

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Design - 8 min read
The indispensable role of a design system in fintech growth

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 […]

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Banking - 6 min read
A brief guide to open banking

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 […]

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SaaS - 7 min read
The inevitability of fintech SaaS

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 […]

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People - 5 min read
We are diverse, not just “committed to diversity"

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 […]

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Banking - 8 min read
Embedded finance: The future of disruptive banking?

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 […]

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Fintech - 5 min read
7 benefits of digital onboarding

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. […]

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Banking - 7 min read
How digital banking empowers customers

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 […]

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Banking - 7 mins read
The future of digital banking

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. […]

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Fintech - 5 min read
The race to hyper-personalization: It's no longer just about incumbents vs challengers

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 […]

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Fintech - 9 min read
To build or to buy: The 10 factors CIOs must consider

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 […]

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