Grow with Toqio

Powerful yet simple financial tools on a platform that lets you scale your offering with ease by powering your network and distribution channels.

 

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Overview

Explore how embedded finance can empower your business by creating a financial service marketplace tailored to your ecosystem. To get started, select your preferred format to dive deeper into our platform and discover how we can help drive your financial transformation.

Watch

Discover Toqio through a brief video that walks you through how our platform works and some of its compelling core features.

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Read

Explore our concise introductory guide to learn how Toqio’s innovative platform can be leveraged to stimulate corporate growth.

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The use cases we solve
Financial Orchestration Use Case for Retail

Retail

Streamline operational efficiencies at the store and regional levels with third-party banking services.

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Financial Orchestration Use Case for Franchises

Franchise

Unify your merchant network on a single platform and create more flexibility for payments.

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Financial Orchestration Use Case for Merchant Service Providers

Payment service providers

Expand your pay-in/pay-out services within your SME ecosystem.

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Financial Orchestration Use Case for FMCG/Food & Beverage

FMCG / Food / Bev

Streamline operational efficiencies at the store and regional levels with third-party banking services.

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Key Toqio features that help you grow

Toqio provides the essential tools corporates need to foster growth in an ecosystem where everybody wins - the corporate, associated merchants, and participating financial institutions. By offering full control over financial solutions, Toqio creates a working environment where rapid, sustainable growth can be cultivated. Here are some of our solutions and what they offer.

Revenue collection

  • The aggregation of multiple financial products from an array of top tier providers on a single platform.
  • Revenue clarity on an aggregated platform, meaning corporates can see PoS, A2A, digital cash, direct debit collection, and more in the same place.
  • The ability to offer competitive financial products to merchants because of combined negotiation power.
  • Insights on transactions with regard to merchant revenue collection points, such as what is being sold on PoS, what items generate the most sales, what the high/low buying periods are, etc.

Watch a quick video on our collection API!
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Payment automation and reconciliation

  • Payment rules that drive the bulk collection of payments from merchant accounts i.e., an ERP directly connected to Toqio sends payment notifications to merchant accounts.
  • Automated collections go from merchant accounts directly to corporates, such as to pay for invoices (this is dependent on agreements between merchants and corporates).
  • Corporates can offer merchants payment flexibility, such as settling payments in 30/60/90 days in return for a fee or a discount.

Cash distribution

  • Corporates and other large organizations (such as NGOs, IGOs) can distribute cash digitally via topped up cards or digital wallets. The organization maintains full control over spending limits, currencies allowed, etc.
  • Toqio provides a full holistic view of spend via consolidated tracking on a single platform.
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Lending and financing

  • Merchants can get cash advance lending, borrowed against revenue collections which the corporate see in the same place in a consolidated view highlighting lending, accounts, PoS with automatic payment orchestration, and more.
  • Multiple financing streams from various lenders ensure merchants get the best sources possible to meet their cash flow needs - the right amount at the right time.

Embedded finance gains

Offer tailored financial services integrated into your supply chain ecosystem to supercharge your business. These services, commercially linked to existing offerings, provide new and ongoing value drivers that increase spend and investment with your brand.

Unlock network value

Maximize network value

  • Accelerated capacity extension for service
  • Enable connectivity to multiple providers
  • Enhance offerings with a wider selection of products and faster access
Increases sales

Increase sales, lower costs

  • Drive process efficiencies
  • Enable banking, lending, and payment automation
  • Provide flexibility and choice on more offerings
Strengthen brand impact

Strengthen brand impact

  • Make services more convenient and incentive-based
  • Increase your share of wallet-lock-ins, reward programmes, flexible terms
  • Allow for branded, platform-driven experiences
Increased reach of corporate distribution

Understanding the challenges that limit growth

Citibank estimates that nearly 48% of corporates struggle with trapped liquidity, with key third parties like merchants, distributors, and sole traders lacking access to the tailored financial products they need. This can be attributed, in large part, to the rigidity of financial services available from traditional banks and neo-fintechs. Keep reading to learn about the four key challenges we've identified that an embedded finance solution can solve.

1. Proposition differentiation

Corporates often struggle to create unique offerings because:

  • Corporates can't leverage the deep network knowledge and data they gather.
  • Not having holistic data, it's difficult for them to tailor products to specific merchant challenges, such as a lack of liquidity.
  • They can't hyper-personalize merchant offerings, which means they miss valuable growth opportunities.

The path to growth

  • By empowering corporates to offer tailored financial solutions to  merchants, they gain full clarity on merchant operations and can proactively offer products or services as required.
  • We help open up new revenue streams as the corporate differentiates itself from the competition, enjoying a clearly unfair advantage.

2. Monolithic product offerings

A lack of financial service flexibility negatively affects corporates:

  • Many rely on a single financial service provider.
  • They get locked into their provider's pricing models and product strategies, so they can't adapt to specific regional needs or explore better options.
  • Banking dependency stifles innovation and restricts growth opportunities.

The path to growth

  • Corporates should be able to select financial products from multiple providers. By choosing options in line with business goals, corporates can optimize costs, unlock new capabilities, and offer flexible financial solutions to networks.
  • The freedom to rebundle offerings through multi-banking enables greater innovation and further growth potential.

3. Complex user journeys

Fragmented and inefficient merchant journeys can cause many issues:

  • Many businesses still rely on outdated tools for accounting, many of which are physical, not digital.
  • They also tend to juggle multiple banking accounts  - one for a mortgage or lease, one for payroll, one for expense accounts and cards, etc.
  • This disjointed approach reduces adoption rates and hampers network efficiency due to the lack of a centralized and agile digital environment.

The path to growth

  • Corporates are uniquely positioned to offer merchants an ecosystem where essential finance functions can be centrally managed.
  • By using the corporate's simple and unified finance environment (built on Toqio), small businesses massively improve efficiency.
  • The corporate becomes the trusted first stop for merchants when a financial product is required: higher retention equals a stronger supply chain.

4. High implementation costs

Implementing financial services can be a costly and lengthy process:

  • Existing corporate systems may use inefficient technologies or require long-term service agreements., limiting their ability to innovate and explore new service offerings.
  • Corporates also tend to encounter difficulties when integrating legacy systems with newer cloud-native platforms.
  • Additionally, they often incur excessive service and administrative fees to banks, hindering growth and agility.

The path to growth

  • Corporates should be free to explore and adopt services from multiple FIs without being tied to existing technologies or agreements.
  • Toqio simplifies integration and reduces implementation costs - corporates can inexpensively enhance the health of their ecosystems.
  • Corporates can reduce or eliminate unnecessary fees - they can even monetize by charging their own.

Practical insights to help you drive results

Explore a curated selection of resources designed to help you delve further into growth strategies and opportunities. Whether you're looking for quick tips or detailed analyses, you'll find the right tools to support your next steps.

  Article, co-authored with Railsr  

Third sector insights: Optimizing cash disbursements

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Toqio can be your growth catalyzer

Throughout this journey, we’ve explored the essential elements of growth, from the initial challenges businesses face to the opportunities that arise when the right conditions are met. Embedded finance, as we feel we've clearly demonstrated, can be a powerful enabler, transforming how companies overcome barriers. Toqio gives organizations the tools they need to leverage fully customizable financial tools that scale, creating an environment where growth is both achievable and sustainable. However you choose to learn about us, we can provide all the resources you need on how to exploit growth opportunities. Toqio delivers the flexibility, integration, and control necessary to help corporates realize their ambitions through embedded finance.

About Toqio

Toqio gives corporates access to financial tools that transform the value of their distribution networks for growth, efficiency, and resilience. We’re not turning corporates into banks, just enabling them to become the nexus between their merchants and financial institutions looking for new opportunities, unblocking the flow of capital, improving liquidity, and creating new and ownable financial channels in their networks.

We believe that with the right partner, corporates can tap the full potential of embedded finance on a fully configurable orchestration platform, harnessing the massive possibilities for growth lying dormant in their merchant networks.

 

 

 

 

*These valuations are provided for information purposes only as they may vary from business to business. They are merely indicative and do not constitute an offer, or the solicitation of an offer, to initiate or conclude any transaction at the value stated.

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Inducted into the Visa Innovation Program Europe

2024

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Oracle NetSuite Rising Star

Deloitte UK Technology Fast 50 Award
2023

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"Accelerator"
Amazon Web Services

AWS Global Fintech Accelerator programme
2023

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Startups' Top 100 Startups List

Ranked #23
2023

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Best B2B/B2C Banking Initiative

Pay360 Awards
2022

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Best B2B/B2C Company

South Summit Awards
2021

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