The transformation of the corporate mobility market: new challenges for fleet managers
The corporate mobility market is undergoing a revolution. Fleet managers are facing increasing complexity, exacerbated by the energy transition and the diversification of modes of transport. They now have to manage:
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Multi-energy coexistence: conventional fuels, but also charging stations for electric vehicles (EVs).
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Increased mobility expenses: tolls, parking, shared vehicles, and even public transportation.
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Regulatory and tax pressure: the need to ensure flawless traceability for VAT deduction and the treatment of benefits in kind, particularly in France (according to the rules of the BOSS [Bulletin Officiel de la Sécurité Sociale] and the General Tax Code on the deductibility of VAT on gasoline and diesel, for example, 80% deductible for passenger vehicles or 100% for commercial vehicles).
Traditional expense and fuel card management systems have their limitations: functional rigidity, administrative complexity (collection and reconciliation of receipts) and high indirect management costs.
In this context, fleet management platforms and software publishers are looking for a comprehensive, integrated and intelligent solution. Their challenge is to simplify usage for employees as much as possible while offering precise control over expenses and ensuring full regulatory and tax compliance.
Treezor, the European leader in Banking-as-a-Service (BaaS), is positioned as the ideal technological and regulatory partner. By providing payment services via API and a comprehensive regulatory framework (as an authorized Electronic Money Institution – EMI), Treezor enables its partners to quickly launch their own white-label fuel and mobility card programs.
The major challenges facing corporate mobility players and Treezor’s response
Fleet managers, expense management software publishers and card providers face three major challenges, which the Treezor solution directly addresses:
Challenges
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Treezor solutions
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Benefits
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| The complexity of managing receipts and accounting reconciliation. Manual management of receipts is cumbersome, time-consuming and prone to errors, posing a risk in the event of a tax audit.
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Cards are linked to a vehicle or employee, providing real-time enriched payment data (data-driven API and webhooks).
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This detailed data (amount, date, merchant category) drastically reduces data entry work and facilitates the automation of accounting reconciliation and VAT recovery in accordance with current regulations. |
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Lack of budgetary control and prevention of abuse. Companies must ensure that cards are used for business purposes only to prevent abuse and the inclusion of these expenses as benefits in kind subject to social security contributions (in accordance with Article 750 of the BOSS). |
Thanks to an integrated authorization rules engine that can be controlled via API, partners can easily define spending limits (daily or monthly) in real time, as well as very specific usage restrictions:merchant categories (fuel, electric charging, tolls, parking). Geographical restrictions and/or restrictions to specific networks. Time slots and days of use (limiting use to working days, for example).
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This precise control ensures complete and proactive cost management, a crucial factor in a global fuel card market that was worth several hundred billion dollars in 2022 and is continuing to grow strongly.
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Heterogeneous fleet management (multi-energy and multi-service). The rise of electric vehicles (EVs) requires a shift from a simple “fuel card” to a true “mobility card.” |
The flexibility of the cards issued makes it possible to target specific categories of merchants (including electric charging stations and transport subscriptions) and to consolidate all mobility needs into a single payment tool. |
This agility is essential to support fleets’ energy transition.
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