"4 years ago everyone said it was a shit idea". Alexandre Prot, co-founder of Qonto. The tone is set. Today, Fintech is on the rise, in France, with investors, and at the microphone of 40 shades of Next. After Cyril Chiche from Lydia, we therefore welcome Alexandre Prot, co-founder with Steve Anavi of the "neo-bank" of VSE-PME. From its creation in 2016 to the spectacular fundraising of 104 million euros in 2020, from the launch in France to European development, from beta-users to 20 billion transactions, from Easy Business Banking to Business Just Got Simpler, its objective has remained unchanged: to simplify the life of VSEs and SMEs. With notably Tencent, DST Global, Alven and Peter Thiel in the capital, Qonto has seduced by its model and its promise of reinventing access to banking services for professionals. How did Alexandre and his partner manage to access and attract large investors, including abroad? Can we qualify the company as a Neo bank? We decipher the Qonto model, the way in which the company has been able to penetrate a complex market by making it simple and the market prospects with new offers. We discuss in particular the recent possibility for the brand's customers to obtain a professional loan thanks to a partnership with another key player in Next40: October and its founder Olivier Goy. It's only a beginning. “Today everyone says it's great, 'an obvious idea', whereas 4 years ago everyone said it was a shitty idea”. The beginnings were not easy, however, the steps to be climbed were high and numerous, and we come back to them in detail. And it is straightforward and without taboos, that he answers the pro and personal questions of my friend Olivier Mathiot, Steve Anavi, Céline Lazhortes and Anne Taffin. And soon at the microphone of Solène Etienne, her choice Sista with Anabelle Bignon, co-founder of Maria Schools.