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 Meets AI: The Future of Invisible, Intelligent Financial Services
The future belongs to companies that think beyond their own sector. As Embedded Finance converges with Artificial Intelligence, the financial services industry is undergoing a profound transformation. Organizations are moving from simply connecting financial services to building intelligent ecosystems where AI orchestrates personalized, context-aware financial experiences that feel effortless and invisible.
27 November 2025
Cash Flow Optimization: Tools and Solutions to Improve Liquidity Management
Cash flow management is no longer just a back-office function. When financial services are embedded directly into the platforms where companies sell and operate, cash flows become faster, safer, and more predictable. The article explains how embedded finance enhances liquidity — for example through pay-by-bank solutions — and outlines practical ways to redesign payment flows to optimize cash flow.
24 November 2025
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