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B2B embedded finance is set to revolutionize distribution networks by enabling distributors to offer instant credit and financing solutions directly within their sales platforms. This integration not only accelerates transaction processes but also enhances cash flow management for both distributors and their clients, leading to significant growth in sales volume and operational efficiency.

 

"How Embedded Finance is
Transforming B2B Commerce"

McKinsey Quarterly (02/2023)

Key ebook insights

01

Unexploited revenue streams are there for the taking

Personalized financing solutions aren't new, but most corporates don't have the technology or know-how to take advantage of their existing network relationships. If they did, they'd realize that embedding financial solutions into their existing merchant journeys could yield new revenue:

"Companies can create a comprehensive financial ecosystem, boosting merchant satisfaction, enhancing loyalty, and establishing a consistent, scalable revenue stream."

02

Embedded finance fosters higher retention

Bundling financial services like payments and lending within core offerings, paired with data-gathering and analytics, enhances upselling and cross-selling opportunities by providing tailored solutions that meet the unique needs of each business:

"The overall offering becomes more attractive and fosters loyalty among merchants, as they gain access to a complete package that simplifies their financial management and operational efficiency without the need to juggle multiple providers."

03

Companies can easily unlock sustainable growth

Corporate growth from core offerings can stagnate in highly competitive markets. One of the few way companies can gain market share and drive growth is through embedding financial services:

"By leveraging real-time sales data from PoS systems, companies can optimize pricing strategies dynamically while providing personalized discounts and promotions that boost customer engagement and encourage new/repeat business."

04

Companies can own more of the financial relationships in distribution

The disintermediation of financial services allows businesses to embed payments and lending directly into their operations, reducing their dependence on traditional banks:

"The corporate not only captures more value and control over the transaction process but also positions itself as a comprehensive provider of both products and financial services, strengthening customer loyalty and fostering long-term, mutually beneficial relationships."

As B2B embedded finance becomes more prevalent, distribution networks will benefit from enhanced data insights and predictive analytics, which enable more accurate demand forecasting and inventory management. This shift not only reduces excess stock and associated costs but also ensures that distributors can meet client needs more effectively, driving overall network efficiency.

"The Future of B2B Embedded
Finance in Supply Chains"

Forrester Insights (05/2023)

Facts and figures

$174 trillion

Estimated annual B2B payments to be made worldwide by 2030.

Fortune

£9.7 million

Potential increase in profit possible with
embedded banking.

Clear.Bank

94%

Corporates who believe easing working capital constraints can stimulate growth.

Citi

50%

Distributors in North America adopting advanced analytics to improve supply chain performance.

McKinsey

The integration of financial services within distribution networks is expected to streamline the procurement process, offering embedded lending solutions that reduce the barriers to purchase for smaller clients. This will democratize access to essential products and services, broadening the customer base and driving incremental revenue growth for distributors.

"B2B Embedded Finance:
A Catalyst for Distribution
Network Transformation"

Gartner Reports (03/2024)

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Further investigation

Toqio Embedded in Market Podcast Series

Podcast

Listen to our embedded finance podcast

Toqio hosts a podcast called "Embedded in the Market". Every fortnight, we speak to acclaimed guests who are deep in the embedded finance trenches.

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Toqio blog insights embedded finance

Blogs

Explore our views about embedded finance today

Every month, we publish a number of articles on corporate embedded finance, explaining the ins and outs of the concept, how it works, and what's going on in the market.

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About Toqio

Toqio gives corporates access to financial tools that transform the value of their distribution networks for growth, efficiency, and resilience. We’re not turning corporates into banks, just enabling them to become the nexus between their merchants and financial institutions looking for new opportunities, unblocking the flow of capital, improving liquidity, and creating new and ownable financial channels in their networks.

We believe that with the right partner, corporates can tap the full potential of embedded finance on a fully configurable orchestration platform, harnessing the massive possibilities for growth lying dormant in their merchant networks.

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Inducted into the Visa Innovation Program Europe

2024

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Oracle NetSuite Rising Star

Deloitte UK Technology Fast 50 Award
2023

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"Accelerator"
Amazon Web Services

AWS Global Fintech Accelerator programme
2023

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Startups' Top 100 Startups List

Ranked #23
2023

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Best B2B/B2C Banking Initiative

Pay360 Awards
2022

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Best B2B/B2C Company

South Summit Awards
2021