Towards the future of mobility through Embedded Finance

Powering Fin-mobility thanks to the partnership with Fabrick.

Toyota Financial Services Italy

image

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’ experience

"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

image

Payment Hub and Payment Orchestration: Why Your Company Needs them

From referring to internal platforms within companies or banks capable of centralising all financial flows, in recent years the term Payment Hub has come to be synonymous with Payment Orchestration solutions, true ‘intelligent engines’ capable of orchestrating transactions between multiple PSPs, acquirers, wallets, and local and international payment methods.
30 September 2025
image

International Payment Gateway: Efficiency, Control and Cross-Border Growth 

Payment orchestration enables efficient management of cross-border payments via a flexible and scalable international gateway.
26 September 2025
image

Driving seamless mobility: payment orchestration in digital payments for automotive and smart mobility

Discover how Payment Orchestration enables integrated payments and smart revenue management across digital ecosystems in automotive and urban mobility.
30 July 2025