Shaping Winning Embedded Finance Propositions.

Designing the perfect orchestration of financial products isn't easy. Companies often struggle to pick the right product fit, figure out deployment, or even estimate costs.

That's where we come in.

Nearly 80%* of new product launches fail to meet their goals, often because the concept isn’t validated before development. Our process ensures your proposition has a solid business model, clear customer value, and a viable go-to-market path.

(*) Source: Harvard Business School

Our Approach

From Strategy to Proof-of-Concept. Built for Results.

Our platform is one of our strongest differentiators but we offer far more than just technology. We don’t just connect your company to the financial products you need. We consult, audit, and implement every step of the journey. Let us simplify the complexity of your financial product strategy.

Embedded Finance Strategy

Define opportunities, size the prize, and prioritise initiatives. Apply our Agent 2.0 framework to turn corporates into next-generation distribution partners for financial services.

Agent 2.0

SME Proposition Design

Design around real SME needs to boost adoption, loyalty, and long-term engagement.

Proof of Concept

Quickly design, launch, and test on the Toqio Platform to validate adoption, fit, and revenue potential.

Vendor Selection & Operating Model

Select the right partners and define a scalable model using Toqio’s marketplace or your own providers.

Business Case Definition

Develop a clear, data-backed case with defined revenue streams and growth levers.

Discover The Platform

Brands That Trust Us

It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.

Explore Our Partner Network

Outcomes You Can Expect

A small, high-impact Proof of Concept that brings your proposition to life. Always backed by a solid business case and real-world validation.

Blueprint & PoC

Prioritized to create viable impact. Tested PoC with SME customers to confirm adoption and revenue potential.

Data-Backed Decisions

All commercial assumptions are supported by live usage.

Scalable Partner Network

Top leading vendor framework designed to maximise growth.

Robust Business Case

Clear revenue streams to add value, and expansion levers.