Toyota Financial Services Italy
Toyota Financial Services was created to promote sustainable mobility by designing and implementing innovative financial services and highly customizable purchasing solutions to meet all mobility needs.
Toyota Financial Services Italy
Toyota Financial Services was created to promote sustainable mobility by designing and implementing innovative financial services and highly customizable purchasing solutions to meet all mobility needs.
"By promoting credit interoperability across all Toyota Group companies in various application areas (financial, insurance, mobility, and payment) and through efficient financial flow management, we can offer simple and accessible purchase or usage options to ensure ease and flexibility throughout the entire lifecycle of the automobile and customer usage.”
Mauro Caruccio
CEO of Toyota Financial Services Italy and Chairman & CEO of KINTO Italy
The opportunity
- The greatest transformation that the automotive industry has been undergoing for some years now has to do with “servitization” (the creation of a network of services around the car) accompanied by the evolution of the supply chain towards an ecosystem model where the financial infrastructure acts as an enabler.
- This brings great management complexity for industry players. The main issue concerns the need to make these services interoperable, through an orchestration infrastructure that digitises all processes and enables various players to collaborate within an extended and integrated supply chain.
- The advent of open-end Embedded Finance allows responding to this need with a new paradigm that facilitates integration between these silos and their related information, generating new opportunities for value creation.
The project
By leveraging Fabrick Payment Orchestra, TFSI introduces a new centralised platform for the end-to-end management of collections and payments, with the following objectives:
- Centralize the collection flows coming from the Group's legal entities/brands.
- Streamline the current processes of collection, reconciliation, and manual balancing.
- Provide dealers with a comprehensive view of their liquidity and improve working capital management.
Possible evolution:
- Boost customer engagement through an innovative and omnichannel payment experience that also generates new opportunities for value creation.
- Accelerate the development of new use cases, on top of the combination of new data flows.
Latest insights
Agentic Payments: when the “buyer” becomes an AI agent
Agent-led payments shift commerce from user-driven checkout to an experience where an AI agent—within clear consent and rules—can choose the best payment method, execute the transaction, and manage post-purchase flows (returns, refunds, loyalty). For retailers and merchants, this means rethinking visibility, trust, and conversion: not only being discoverable to customers, but also to the agents buying on their behalf.
03 March 2026
Integrating PISP services into the ERP system: invoice and payment reconciliation on a single platform
Digitising your business does not end with ERP: it ends when the gaps between systems disappear, especially at the point of payment. Integrating Pay by Bank via PISP is an opportunity to close the loop: invoicing, payment and reconciliation in a single digital chain, without relying on files or manual tasks.
30 December 2025
Why Open Finance and Embedded Finance are transforming the Energy & Utilities sector in the UK
What characterises the energy and utilities sector in the United Kingdom? What financial challenges do companies operating in the utilities sector face? And how can open finance and embedded finance help address the growing complexity of the UK energy market?
23 December 2025