Embedded finance for Telco companies

Strengthening the SME Relationship by Expanding from Utility Provider to Financial Partner.

Fintech giants, FI's, and neobanks are technology evolving from simple apps into Business Operating Systems, combining accounts, payments, invoicing, and credit, and now, they are adding connectivity!

The New Ecosystem: Fintechs and Neobanks like Revolut, Monzo, Nubank, Wio Bank, DuPay or N26 are integrating mobile plans and eSIMs directly into their platforms, making connectivity a natural extension of their financial services.
The New Reality: SMEs value connectivity, but it's no longer enough. Today, they choose the provider that simplifies the daily financial and operational complexity of their business.

The danger is not that these players will become better Telcos; it is that they will become better all-around partners for your SMEs.

Daily Banking

Let your SME clients manage money and cash flow in the same place as your connectivity with:

Business accounts
Payments
Transfers
Direct debits

Capital & Credit

Give your clients access to alternative credit and make smart financial solutions using:

Cash flow insights
Working capital solutions

Operational Tools

Simplify expense management and third-party payments with B2B financial solutions as:

Invoicing
Supplier payments
Virtual and physical cards

Unified Experience

Rapidly create a coherent, integrated solution to manage the entire business.

All of this on a single digital platform, alongside your connectivity devices.

Case studies

European brewery embarks upon new customer retention strategy

Learn how a customer launched a solution built on Toqio in just 16 weeks!

Read case study

International logistics company optimizes liquidity in its distributor network

We provided help accessing liquidity to manage complex international financial relationships.

Read case study

Future proof your business and ecosystem

Create ongoing value drivers on our platform and get your customers and suppliers to spend and invest more with you.

Core revenue uplift*

Drive repeat and higher order values with your merchants and increase your share of wallet with access to superior products and multiple tier 1 bank and BaaS providers.

Automated payables
Automated receivables
Flexible payment terms

5-8%

Revenue uplift

Core revenue uplift*

Drive repeat and higher order values with your merchants and increase your share of wallet with access to superior products and multiple tier 1 bank and BaaS providers.

Automated payables
Automated receivables
Flexible payment terms

5-8%

Revenue uplift

Core revenue uplift*

Drive repeat and higher order values with your merchants and increase your share of wallet with access to superior products and multiple tier 1 bank and BaaS providers.

Automated payables
Automated receivables
Flexible payment terms

5-8%

Revenue uplift

From embedded finance to contextualized finance: The next frontier

3 minute read 10/21/2025

Optimizing cash flow in the food and beverage sector with embedded finance

5 minute read 02/28/2025

Owning the customer relationship: How embedded finance is redefining corporate success

4 minute read 02/06/2025

Fueling B2B success: The critical need for SME financing today

5 minute read 08/14/2024

As Financial Services Converge, Telcos Need to Stay Ahead.

Let's look at some examples.
What is already happening?

The Telcos' dilema today.
In a converging market, how to stay essential to SMEs?

The structural advantage Telcos already have.