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Unlock corporate growth

Learn how your company can grow with Toqio

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Growth is possible

As businesses evolve, so do the challenges they face. Growth comes from embracing change and transforming obstacles into opportunities. Here, you'll discover how Toqio's embedded finance platform helps corporates grow by streamlining financial processes, enhancing agility, and unlocking new potential through creating financial marketplaces. From practical solutions to strategic insights, explore our resources to learn how we can shape the future of your business. Together.

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:

  • They 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.
  • 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. 
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icon-bacterium

The Danakil Depression in Ethiopia is considered to be one of the most inhospitable places on earth. The area is home to vast, rocky salt plains, craters filled with bubbling lava, and highly toxic sulphur springs. In the region's few sources of extremely acidic water, bacteria not only live, they thrive.

Growth is possible, even in the harshest conditions.

How embedded finance fosters growth

To address the challenges discussed, corporates can offer tailored financial services integrated into their supply chain ecosystems that are commercially linked to existing offerings. Your new and ongoing value drivers will increase spend with, and investment in, your brand.
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Maximize network value

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

  • Accelerated capacity extension for service
  • Enables connectivity to multiple providers
  • Enhances offerings with better selection of products and faster access
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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
icon-honeyfungus

Armillaria ostoyae, commonly known as the honey fungus is located in the Malheur National Forest in Oregon. It spans approximately 9.6 km2 and is estimated to be over 2,400 years old. It is the largest terrestrial organism on the planet and started off as a simple spore. That's a factor of growth of approximately 2.3 quadrillion times.

Start small and grow.
But you must start.

Learn more about
how Toqio works

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

Watch

Discover Toqio in action with 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 two-page guide to learn how Toqio’s innovative platform can be leveraged to stimulate corporate growth.

Download the PDF
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icon-bamboo

The fastest growing organism in the world is likely Phyllostachys edulis, commonly known as Moso bamboo, which is native to China. It can grow at an astonishing rate, up to 91 cm a day under ideal conditions.

For rapid growth, you need the right environment.

Deepen your understanding of growth

Explore a curated selection of resources designed to help you delve further into growth strategies and opportunities. They offer practical insights to help you drive results. 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 KPMG  
Winemaker with client in winery looking at electronic tablet

Embedded finance gains: Driving 20%+ ROI for European corporates

  Ebook, Toqio free download  
ebook-small

Unlocking growth in distribution: The invisible hand of embedded finance

  Article, co-authored with Railsr  
charity-stand-ngo

Third sector insights: Optimizing cash disbursements for merchants

  Article, Toqio exclusive  
man serving at a restaurant

Fueling B2B success: The critical need for SME financing today

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.
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Automated payments

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 on Toqio

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.
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icon-reef

The Great Barrier Reef, located off the coast of Australia, is the largest coral reef system in the world, stretching over 2,300 km. Coral polyps grow slowly, but their structures create a habitat that supports many aquatic species. Covering less than 1% of the ocean floor, coral reefs support roughly 25% of all marine life.

True growth benefits not just one, but many.

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.

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