Leveraging embedded finance to cultivate enduring supplier relationships

by Eduardo Martínez, CEO and co-founder, Toqio

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Eduardo Martínez of Toqio outlines why embedded finance has become an essential component of developing systems and providing customer satisfaction.

Large corporate entities with diverse supplier networks face the contemporary challenges of optimising procurement processes, improving cash flow, and strengthening relationships with suppliers.

Embedded finance offers a compelling solution. For a large retail chain, for example, leveraging embedded finance presents a transformative opportunity to streamline supplier interactions, generate new revenue streams, and enhance customer experiences.

Embedded finance is ready to disrupt

Embedded finance can benefit a corporate entity, its suppliers, and its customers alike, revolutionising the traditional interconnected dynamics between the three.

Streamlining supplier payments and receivables

Embedded finance platforms like Toqio can facilitate automated payment and invoicing processes for suppliers, ensuring timely payments and predictable cash flow.

By integrating financial services into their procurement systems, large companies like retail chains can reduce manual intervention, eliminate delays in payment processing, and enhance operational efficiency. Suppliers, in turn, benefit from prompt and transparent transactions, enabling them to optimise their cash flow and allocate resources more effectively.

Dynamic discounting and incentives

By providing early payment incentives or discounted rates, large companies can secure preferential terms from suppliers, leading to cost savings and improved working capital management. This win-win approach enhances the existing relationship and fosters trust, mutual growth, and profitability.

Supply chain financing

Embedded finance opens the door to supply chain financing solutions, where large companies can extend financial support to suppliers, normally with preferential rates, thanks to the negotiating power of the large company sponsoring it.

By facilitating access to affordable financing options, the company empowers suppliers to overcome cash flow gaps and invest in their growth. This strategy not only strengthens the supplier’s financial position but also fosters loyalty to the corporate partner.

Enhancing supplier visibility and performance

Toqio offers advanced analysis and reporting capabilities that are invaluable to corporate entities engaging in embedded finance. Companies can leverage these tools to gain valuable insights into supplier performance, demand patterns, and market trends.

Such data-driven insights enable better supplier management, more informed decision making, and proactive risk mitigation. Additionally, suppliers can receive performance feedback, allowing them to fine tune their offerings to better meet the company’s needs.

Diversification of revenue streams

By leveraging embedded finance, corporate entities can explore new revenue streams beyond their core retail business. Offering embedded financial services to suppliers such as point-of-sale financing or access to digital payment solutions, allows the sponsor company to earn fees or commissions, expanding its revenue streams without substantial or risky investment in new ventures.

Strengthening customer loyalty

Enhanced supplier relationships through embedded finance could lead to improved product availability, better pricing, and increased operational efficiency. These benefits cascade down to customers, resulting in a more satisfying buying experience.

By nurturing a robust supplier network, large companies can ensure consistent product quality, reduce stock-outs, and ultimately enhance customer loyalty and retention.

Innovation and agility

Embedded finance platforms often evolve rapidly, incorporating the latest fintech advancements and catering to changing industry dynamics. By embracing these technologies, corporate entities can stay at the forefront of innovation, ensuring their supplier networks are supported by cutting-edge financial services.

The ability to adapt to market trends and offer innovative solutions strengthens the corporate entity’s position as a preferred partner among suppliers and customers alike.

High yield, low risk

The convergence of embedded finance and corporate supplier relations marks a transformative shift in the traditional business landscape. For large corporate entities with extensive supplier networks, leveraging embedded finance can deliver substantial benefits.

From streamlining payments and supply chain financing to fostering innovation and customer loyalty, embedded finance empowers big companies to achieve operational excellence, drive revenue growth, and establish stronger, mutually beneficial relationships with their suppliers.

As this disruptive concept continues to reshape business ecosystems, embracing embedded finance becomes not only an opportunity but a strategic imperative.

Eduardo Martínez is the CEO and co-founder at Toqio.

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