Why are Telcos increasing the adoption of Embedded Finance?

Times are complex, Telcos are facing growth rates lower to *1%. Embedded finance is becoming a key player boosting new revenue growth streams. This is how.


  1. Offering tailored financial products at scale, from accounts to cards to lending, through embedded, always-on distribution channels.
  2. Provide tailored accounts, payments, cards, lending and more, all under one brand.
  3. Strenghten merchant loyalty, reduce churn and generate revenue.
  4. Reduce risks and boost decision accuracy by leveraging richer, real-time data, contectual insights, and trusted relationships.

    *Source www.elmundo.es

Momentum is building in the adoption of B2B embedded finance.

Embedded finance is being rapidly adopted by companies across all sectors as a strategic tool to unlock vast new revenue. The integration of offerings, from simple payment solutions to complex financing and bespoke financial products, allows businesses to enhance customer loyalty, diversify their income, and achieve meaningful growth.
Starbucks
Mercado Libre
Toast
Shopify

The Opportunity is here!

  • *BT Group has partnered with Adyen to introduce Tap to Pay on iPhone, enabling small business customers to accept in-person contactless payments seamlessly.

  • Similarly, Bharti Airtel has collaborated with Bajaj Finance to offer a variety of financial products to its extensive user base, illustrating the potential of integrating financial services within telecom platform. 

  • Group Werthein, parent company of the TV broadcaster Sky Group, has made an investment of $177.8M to launch SKX Financial Services technology platform for SMEs. 

*Source: Visa
Fact1

Tap2pay market is set to grow from 6 million users globally to 34.5 million by 2027. This surge mirrors the rise in contactless payments, expected to more than double by 2027.
Fact2

Telecom sector is already the fastest-growing sector for payments in 2024, but still have mayor opportunities by integrating embedded finance solutions.

What can embedded finance do for Telcos?

  Ease liquidity pressure for everyone

About 81% of CFOs cite cash flow improvement as a top priority*. Embedded lending, flexible payment terms (B2B BNPL), and dynamic discounting can reduce working capital burden without touching your balance sheet.

Result: Faster cash cycles, reduced churn, and more stable distributor relationships.

 

* American Express, 2024 CFO survey

  Generate revenue without selling more product

About 4–6% of SME lending revenue currently comes from embedded finance, and could grow to 25-30% by 2030*. This is an inevitable paradigm shift where corporates will tap into revenue tied directly to their existing SME networks.

Result: You monetize services, not just sales.

 

* McKinsey & Company, 2024 "Embedded Finance: How Banks and Customer Platforms Are Converging

 

Use real-time data to make better business decisions

About 72% of companies now use Gen AI in at least one business function*, but without real-time financial data, its value is limited. Embedded finance gives you live insights into cash flow, credit risk, and operational performance throughout your distribution network.

Result: Smarter underwriting, better forecasting, and more relevant financial products.

 

* McKinsey & Company, 2024 "State of AI/GenAI 2024 Report"

Embedded finance benefits everyone involved

Watch this quick video to discover how.

Case studies

Case study - brewery

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
Case study - logistics

International logistics company optimizes liquidity in its distributor network

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

Read case study

Embedded finance gains

Embedded finance is more than an efficiency play, it’s a growth tool.

Download our free guide

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.

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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

skip-up-line

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

skip-up-line

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

Here are some useful articles.

Learn more about embedded finance and how it can take your business ecosystem to a whole new level.

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

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