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
Embedded Finance: How Financial Services are Reshaping B2B Ecosystems
Embedded Finance is not about ‘adding another payment method’ to the purchasing process, but rather integrating financial services (insurance, instant transfers, financing, etc.) into the flow itself with the aim of providing a complete experience: paying, financing, insuring or verifying without leaving the same point where the user – consumer or business – is already acting. Discover how Embedded Finance is revolutionising business models.
20 November 2025
Insurance-as-a-Service: the open infrastructure for digital insurance models
Insurance-as-a-Service and Embedded Insurance are not simply technological trends, but the natural evolution of an industry adapting to the changing needs of an increasingly digital and interconnected world.
14 November 2025
Payment Optimisation with Pay by Bank (PISP): Efficiency, Cost Savings, and Automated Reconciliation
When payment management is inefficient, late payments lead to insolvency and have a direct impact on balance sheets. With PISP services, payments become part of business applications and processes, revolutionising both payment management and payments to other companies and suppliers.
10 November 2025