Inside Toqio, this year demanded a level of resilience that stretched us and, ultimately, strengthened us. New regulations across Europe required rapid alignment and faster than ever implementation cycles. Our teams completed dozens of cross functional projects, delivered new capabilities across multiple markets and supported customer launches that touched hundreds of thousands end users. All of this happened in a context where efficiency mattered more than ever, and where every person had to balance innovation with the discipline that keeps a company moving forward.
We had to make difficult decisions along the way, and although those moments were not easy, they revealed the character of the organisation. If anything defined our internal journey, it was the ability to stay coordinated under pressure. Decisions became sharper, teams more autonomous and knowledge sharing accelerated as people stepped forward to close gaps, learn new skills and strengthen the platform in ways that will shape Toqio long past 2025.
This resilience was not abstract. It showed up in the data. Our average product cycle time shortened steadily through the year. Collaboration between engineering, product and compliance reached its highest level to date, with more than forty percent of initiatives involving three or more teams. We improved how we work, not just what we deliver, and that cultural shift is one of the quiet achievements of the year.
Beyond our walls, the ecosystem surrounding us shaped just as much of our progress. The numbers make this clear. Our clients and partners co-created solutions that extended the reach of contextualized finance across new industries and use cases. More than one third of our roadmap this year came directly from insights gathered through partner sessions, implementation feedback or real world customer demands. We also strengthened our network through new partnerships, including recent collaborations with Adyen and Deloitte and specialised compliance and risk partners that will accelerate our ability to support more complex financial products. The case studies we have been developing with customers are also maturing into strong success stories, proving the value of long term collaboration and shared design.
Architecture teaches us that resilient systems start with strong foundations, thoughtful connection points and structures built for long term endurance. The same principles apply when shaping a thriving ecosystem of teams, partners and clients. This is already visible in how new relationships multiply possibilities and how shared design accelerates the evolution of financial products being built on Toqio.
Partners such as VISA expanded what was achievable. Associations such as AECOC helped us understand behavioural shifts including the rapid adoption of digital payments among younger consumers and the growing preference for hybrid shopping journeys and our clients became co-designers. Technology partners ensured that as demand increased, reliability and performance remained core strengths. A stronger ecosystem is not an aspiration for the future. It is a reality that is taking shape around us and it is becoming one of our most powerful opportunities for impact.
In a year defined by automation and digital acceleration, the most important lessons were still human, as innovation came from people asking better questions, resilience emerged through distributed ownership, and progress accelerated when diverse perspectives aligned with clarity, direction, and purpose.
What made this human edge truly distinctive is that it reflected the values we defined from the outset: courageous, creative, committed, and curious. We no longer just say them; we have proven that we are them.
These lessons now shape how we look towards 2026. Eduardo’s vision for a future of best-in-class financial experiences is absolutely right, and reaching that future depends on the people and partnerships already in motion today. The demand for embedded and contextualized journeys will continue to grow. Expectations around security, trust and ease of use will intensify. The bar for platforms like ours will rise again. Yet this year has shown us that our ecosystem is more than prepared for what comes next.
As we close 2025, what stays with us is not only the progress we have made but the spirit with which it was made. This year reminded us that resilience is a choice people make every day. It is the decision to show up with clarity when things are uncertain, to collaborate when pressure rises and to keep building even when the path ahead is not fully defined. Our teams did this with remarkable conviction. Our clients did it by trusting us with their ambitions. Our partners did it by expanding the universe of what is possible. Together, they created a momentum that is larger than any single contribution.
If this year proved anything, it is that ecosystems grow stronger when people believe in each other’s potential.
To our team -> Thank you for the courage and creativity you brought to every challenge.
To our clients -> Thank you for pushing us and for building alongside us with ambition and honesty.
To our partners and collaborators -> Thank you for giving shape to ideas that none of us could have achieved alone.
2025 asked a lot from all of us.
2026 will ask even more.
And we step into it with confidence, not because the future is predictable, but because of the people who will create it with us.
By Arancha Riestra, VP of People at Toqio