After training as an engineer, Riadh has supported financial institutions for ten years in their innovation and transformation strategies within the Mc Kinsey firm. He passed the course of entrepreneurship by creating the “FinTech” Finfrog. The starting point of this adventure is the bank overdraft: today this concerns 10 million French people. The overdraft costs eat up half a month's salary on average per year. The value proposition is to borrow up to 600 EUR in less than 24 hours with a journey in less than 5 minutes. Finfrog innovates by developing micro-credit, by providing a digital solution, less expensive, more suited to the needs of individuals. Riadh gives us many details on the Finfrog platform, his company's medium-term strategy, the definition and improvement of scoring algorithms. We also go behind the scenes with the partners Finfrog uses: Budget Insight and Mangopay. In short, it is a “straight to the point” episode, clear and effective! We leave with three takeaways: - Mc Kinsey Quarterly - Podcast of "late" Michel Serre - Their children after them by Nicolas Mathieu - GONCOURT 2018