Today we welcome Alexandre Prot, co-founder and co-CEO of Qonto, the neo-bank for SMEs and entrepreneurs, which has 120000 clients in Europe and has raised a total of € 136m. In this episode, Alexandre talks about: Qonto's mission to simplify the banking and finance experience for SMEs. From the meeting with Steve Anavi, with whom they are in their second business together, and the particular role of co-CEO. From the strategy of starting out with a Treezor partner at the start, before developing their own core banking system themselves. From Qonto's platform vision to aggregate a whole set of financial services on the Qonto product. How a neo-bank makes money: subscription, interchange, and partnership. Why Fintechs work so well in Europe and why Europe may be a better market than the US. The last round of funding with Tencent and DST which brings Qonto into the closed circle of FinTechs that matter on a global scale.