Next-gen B2B mobility: payments hold the key to what’s next

B2B mobility is evolving fast.

The traditional “fuel and fleet” model, focused on managing vehicle-related services and fuel spend, is quickly running out of road. Hybrid work has redrawn the boundaries between home and office. Electrification is no longer optional, with rapid infrastructure shifts and new technologies reshaping how vehicles are powered and managed. Tax regimes are tightening around carbon and sustainability. And across the board, regulatory demands and emissions targets are forcing organisations to rethink their entire mobility strategy.

What once lived in neat, specialised silos is now converging into a complex, connected landscape. We call it next-generation B2B mobility. And it requires something fundamentally different.

We help ambitious companies build mobility and payment strategies fit for what’s next.

This new world demands more than fuel cards and leasing contracts. It calls for integrated digital platforms, open APIs, CO₂ tracking, data-rich reporting, and seamless user experiences. It’s unfamiliar territory for many. But it also presents a rare chance to innovate and lead the transition.

Payments: the unseen engine behind mobility innovation

No matter where you start, payments sit at the centre of next-gen B2B mobility.

Modern B2B mobility can’t be built on closed-loop systems anymore.

Enabling flexible, user-friendly, and scalable mobility services means simplifying how they’re paid for and how the data flows. Nobody wants to juggle multiple instruments, formats, and platforms. The more fragmented your payment setup, the harder it is to deliver seamless experiences or extract meaningful insights.

Here’s the real shift: modern B2B mobility can’t be built on closed-loop systems anymore.

The future is open-loop. But that transition isn’t just technical. It’s operational, strategic, and cultural. It introduces new players: issuers, acquirers, gateways, and tech platforms. It comes with new rules around compliance, tax, and finance. And it brings new risks, especially around data and security. Managing that complexity while maintaining speed, trust, and customer experience is a serious challenge.

It’s not easy. That’s why it’s a competitive advantage

The reality is that few have mastered this shift. Many are still navigating the same growing pains: unclear architecture, legacy dependencies, siloed teams, limited visibility. The good news? The space is still wide open for first movers and fast adapters.

Whether you’re entering a new market or integrating open-loop capability, we help you move through the complexities with confidence.

Getting it right requires more than ambition. It demands strategic clarity across mobility, payments, and regulation. Technical fluency to design scalable, secure solutions. And the right relationships with partners, platforms, and enablers.

This is where PHC Mobility comes in

PHC Mobility is a new kind of partner. We are built by industry insiders who have lived this complexity from the inside out. Our team combines operational experience with strategic foresight. We know the market because we’ve shaped it. We’ve got the scars. And we’ve earned the stripes.

We bring together:

• Intelligence. Deep insights into industry trends, behavioural shifts, and regulatory developments.

• Networks. Strategic relationships across mobility and payments that unlock access and speed.

• Execution. A track record of making complex projects happen and delivering results on a global stage.

Our mission is clear. We help ambitious companies build mobility and payment strategies fit for what’s next. Whether you’re refining your roadmap, entering a new market, or integrating open-loop capability, we help you move through the complexities with confidence.

This isn’t just about adapting, it’s about building an advantage that lasts.

Let’s make it happen.

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