Toqio’s award-winning embedded finance platform helps F&B businesses overcome rising costs and operational challenges. The solution enables multi-bank access, custom payment tools, and ERP integration, driving 8% more customers, 3x faster launches, and 30x revenue growth. Proven by industry leaders like Toast ($3.8B fintech revenue).
-- The Food & Beverage (F&B) industry is under increasing strain, battling rising operational costs, labor shortages, and supply chain disruptions. These challenges are pushing businesses to rethink traditional strategies and seek out innovative technologies to remain competitive. One of the most transformative developments in recent years is embedded finance - integrated solutions that seamlessly embed financial services into business operations. By leveraging embedded finance, F&B businesses can streamline cash flow, enhance customer loyalty, and unlock new revenue opportunities.
At the forefront of this transformation is Toqio, the award-winning provider of embedded finance solutions. Recently named ‘Best Embedded Finance System 2024’ at the Banking Tech Awards, Toqio is redefining how F&B businesses manage their financial ecosystems. With its intuitive, scalable, and fully customisable platform, Toqio delivers business solutions designed to drive efficiency, optimise financial operations, and ultimately fuel value creation for businesses in the sector.
For F&B businesses, financial services are no longer an optional add-on but a core component of their operations. With costs rising and margins shrinking, integrating financial services directly into business workflows offers a competitive advantage. From payment processing to working capital financing and loyalty programs, business services that were once fragmented can now be unified into a single ecosystem.
Toqio’s embedded finance platform is designed to help businesses simplify their financial management, allowing them to focus on what they do best - delivering exceptional products and experiences. By leveraging innovative technologies, Toqio enables businesses to integrate financial services without the complexity of managing them in-house.
The impact of embedded finance is already evident across the industry. Companies like Toast and Uber Eats have revolutionised their business models by embedding financial services directly into their platforms.
Toast, a restaurant management software company, generated a staggering $3.81 billion in financial technology revenue in 2024, making up 77% of its total revenue. By integrating payment processing and lending into its platform, Toast has created a thriving, self-sustaining ecosystem that enhances both merchant and customer experiences.
Uber Eats has similarly capitalised on embedded finance, offering restaurants access to financing, marketing credits, and seamless payment processing. These services not only strengthen customer loyalty but also create new revenue streams for businesses using the platform.
These success stories highlight the immense potential of embedded finance. With Toqio’s business solutions, F&B businesses of all sizes can harness similar opportunities to drive growth and efficiency.
Unlike generic financial platforms, Toqio’s embedded finance solution is tailored to meet the unique demands of the F&B industry. With features designed for scalability and flexibility, the platform empowers businesses to integrate financial services that align with their specific needs.
One of Toqio’s standout offerings is multi-bank access, which allows businesses to tap into a range of financial services from various providers. This capability ensures that businesses are not tied to a single financial institution, giving them the flexibility to adapt to changing market conditions and capitalise on new opportunities.
By integrating multiple financial partners, businesses can secure better financing terms, optimise cash flow, and reduce dependency on traditional banking structures. This level of value creation is crucial for F&B businesses operating in an unpredictable economic marketplace.
Toqio’s platform also features low-code and no-code tools, enabling businesses to develop customised financial solutions without requiring extensive technical expertise. This functionality is particularly valuable for F&B businesses looking to offer unique payment and financing options.
For example, businesses can link volume-based discounts to financing options, encouraging bulk purchases while enhancing customer retention. This level of customisation strengthens supplier relationships and fosters long-term business growth.
Beyond financial services, Toqio’s platform offers full integration with enterprise resource planning (ERP) and customer relationship management (CRM) systems. This connectivity provides businesses with real-time insights into their financial performance, inventory levels, and customer data.
For an industry where margins are razor-thin, having a unified view of operations is essential. By integrating financial data with other key business metrics, F&B businesses can make more informed decisions, reduce inefficiencies, and drive profitability.
Toqio’s embedded finance solutions are already delivering measurable benefits for businesses. These include an 8% Increase in new customer acquisition. By offering more personalised financial services, businesses using Toqio’s platform are seeing an increase in new customers.
Businesses that integrate embedded finance into their operations experience a higher customer retention rate and increased spending. It also allows them to launch new products and services 3x faster: with streamlined financial processes, businesses can quickly introduce new offerings to market.
Finally, by optimising sales channels and unlocking new revenue streams, businesses using Toqio’s platform are seeing exponential growth (30x increase in top-line revenue).
These figures underscore the transformative impact of integrated solutions in the F&B industry. With Toqio’s embedded finance platform, businesses can scale rapidly, improve efficiency, and enhance overall financial health.
While Toqio’s embedded finance solutions are making waves in the F&B sector, their applications extend far beyond. From logistics to retail and beyond, businesses across industries can leverage business services powered by Toqio to streamline financial operations and drive value creation.
By offering a scalable, modular, and customisable solution, Toqio enables businesses of all kinds to embed financial services that align with their unique requirements. Whether it’s automating invoicing, integrating payments, or unlocking working capital, Toqio’s platform is designed to empower businesses in any sector.
The shift towards embedded finance underlines the fundamental change it’s having in how businesses operate. As the F&B industry continues to evolve, companies that embrace innovative technologies and integrated solutions will be best positioned for long-term success.
Toqio’s cutting-edge platform offers the business solutions F&B companies need to stay ahead of the competition, optimise financial operations, and unlock sustainable growth. By embedding financial services directly into their ecosystems, businesses can reduce operational complexity, enhance customer experiences, and create new revenue streams - all while maintaining full control over their financial strategy.
For F&B businesses looking to future-proof their operations and capitalise on the power of embedded finance, Toqio provides the ultimate business services solution.
Contact Info:
Name: Mia Mohamed
Email: Send Email
Organization: Toqio
Address: Calle de María de Molina, 39, Madrid, Madrid 28006, Spain
Website: https://toqio.co
Source: PressCable
Release ID: 89156220
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