Powered to better understand businesses

Our extensive integrations and machine learning capability give TOQIO the power to understand SME businesses better, so our customers can deliver products and services more efficiently.


The TOQIO SME API enables us to automate the movement of data and execute processes across accounting and banking and in return gives us access to extensive business insights. The SME API is embedded in the TOQIO Products but also can be delivered to power our standalone product recommendation tools.

Financial API

The TOQIO Financial API allows the platform to connect to any core banking platform, emoney platform, payment platform, or any other technology that enables banking and payments. TOQIO’s to aggregate multiple solutions into a single client deployment provides a powerful ability to access the best services in the market.

Product Recommendation Engine

The driver behind TOQIO is addressing the SME Gap. Key to this is leveraging the extensives insights we capture on businesses to deliver them relevant financial products or services at the right time through the best channel. As part of the wider TOQIO platform we are also able to remove the friction that exists in today’s application and ongoing management processes.

Product Recommendation Portal

Built on the TOQIO product recommendation engine, this will allow our clients to set up their own products and/or integrate with products from the TOQIO marketplace to cross sell them/to offer their clients a wider sample of financial products.

Powering the next generation of financial apps

Built on leading open source technology, we provide a highly secure and scalable platform, that allows our clients to leverage data to deliver their better customer experiences.