Toqio simplifies financial innovation for growth

The Challenge

Profitability struggles with SMEs & Corporates. Traditional banking models fail to serve SMEs and corporates profitably.

High acquisition costs & limited scalability. Legacy systems and outdated processes make it costly and difficult to scale.

Inability to innovate quickly. Financial institutions are constrained by their infrastructure and struggle to innovate at speed.

The Opportunity

Vertical solutions for targeted impact: Focus on sector-specific financial products to better serve distinct business needs.

Empower Corporates to lead: Enable corporates to launch branded, compliant financial services tailored to their industry.

Unlock embedded finance & new revenue streams: Strengthen relationships, capture new revenue opportunities, and accelerate growth through embedded finance.

Benefits for Banks and Financial Institutions

Turn your corporate clients into distribution partners. Reduce acquisition costs, de-risk SME lending, and unlock smarter growth through embedded finance.

Lower Acquisition Costs

Use corporates as distribution partners to cut SME acquisition costs and expand markets.

👉 41% of FIs already use embedded finance, and 48% have expanded BaaS capabilities.
(NCR Voyix, 2024)

Safer Lending

Reduce lending risk by relying on corporates who vet and monitor partners.

👉 96% of sponsor banks now operate more than five embedded finance partnerships.
(Alloy, 2024)

Smarter Underwriting

Leverage ecosystem data to improve risk visibility and deliver faster, more accurate credit decisions.

👉 Embedded finance revenues are projected to reach $320B globally by 2030.
(BCG, 2024)

Growth Opportunities

Unlock new revenue streams in payments and lending while deepening SME engagement.

👉 79% of banks expect banking to be deeply embedded in daily business activity.
(NCR Voyix, 2024)

The Toqio Platform.

We offer a fully configurable, bank-grade SaaS platform that lets financial institutions transform distribution and unlock growth.

Enter Toqio:

Connect your financial products to an embedded finance platform that is fully configurable and compliant.
Deploy vertical, sector-specific solutions with your corporate clients, tailored to the unique needs of their merchant networks.
Build, launch, and scale propositions rapidly, from lending to payments, while strengthening relationships with corporates.
Access SME business and operational data to improve risk and credit assessments.
Distribute your financial products across networks of homogeneous businesses at scale.

Financial services reconfigured. Growth unlocked.