When the Blues won the football world cup in 1998, our guest was only six years old. Coming from a family in which the “gene” for entrepreneurship is passed on from generation to generation, this fan of Zinédine Zidane created his first box at the age of 17 in parallel with his preparatory studies. With his first apprenticeships and barely in his twenties, Firmin Zoccheto embarks with his two partners in the PayFit adventure. In these two episodes dedicated to it, we will come back to PayFit's mission: Make work a source of fullfilment for everyone but also their new Work from everywhere program and their desire to create an ecosystem to digitize France. A digitalization that intends to embark on small businesses. The secrets of Firmin: take pleasure in everything you do and know how to disconnect when necessary! He chose a former PayFiter for Sista, Albane Sanz, co-founder of Sossialy.

This week we are discussing with Pierre-Antoine Dusoulier, CEO and founder of iBanFirst, Fintech which allows companies to make payments and transfers in foreign currencies using real-time prices, directly or from a banking services API. After a few first years spent on trading floors in London, a first entrepreneurial adventure which led him to take over the management of SAXO Bank France, Pierre-Antoine created iBanFirst in 2013; after a little over 40M € raised in 3 rounds iBanFirst is now more than 200 people, 10 payment transactions per month, 000 billion euros in payment volume per month and more than 1 corporate customers 💪👏 In this episode we discuss with Pierre-Antoine from the world of Fintechs, why and how iBanFirst has chosen to focus on international payment, the importance of knowing how to be focus and make choices and finally Pierre-Antoine will talk to us of the last round of 5000M € which was completed during confinement 😅

In this episode, discover: - Scott's dazzling career within the Accor group where he became a member of a board of directors for those under 35 💢- Behind the scenes of the creation of his first company: Tiller (the European leader digital boxes for catering) 🥇- The beginnings of his current startup: Kard 💳- A real entrepreneurship lecture 🔥 Enjoy your listening!

“Today we are purely in a context favorable to the creation of speculative bubbles.” Are you a “hothead” who loves to take risks when buying stocks? Or on the contrary, you don't dare. Don't panic, Phil RX gives some tips to learn how to (well) take risks.Our guest of the day: Philippe Roux, better known under the name of Phil RX is the creator of the Youtube channel and the PRO indicators site where he shares the experience acquired during his years of trading. Discover with him how to take good risks when buying or selling stocks, and yes, it is possible. “In investing, you should not be in reverse of the cycle. When you are in the middle of a cycle of growth, economic expansion, inflation etc. you should not try to sell short. ”With Matthieu Stefani, founder of CosaVostra, they look back on Phil's journey and his advice for selling and buying at the right time - understand: crises are not the best times for that. He also gives a lot of advice to avoid exposing yourself to bad risks: # Investments are a matter of timing, and therefore of cycles. And the cycles vary according to the duration of the investments (short term, medium term and long term). They always include: the investment phase, the growth phase and the distribution phase. # You must always have a plan with a deadline when you invest and predict the duration of your investment. # It is always better to seek advice from traders to manage the risk of your investments. # You always have to ask yourself the question of value when you invest and ask yourself how much a share is really worth and not how much you think it will be worth tomorrow. # It is essential to always ask yourself what is the risk in the investments you make. # You should never make decisions with a single variable. It is not necessarily mandatory to sell everything at once but you can sell only part of your shares. Finally, he returns to the Covid19 episode and explains how to react in times of crisis. It's here if you prefer iTunes, here if you prefer Deezer or here if you prefer Spotify. Thanks to Atland-Voisin for making this third season of the Martingale possible. Do not hesitate to make a first meeting with them if you wish to be supported in your investments in SCPI. Contact them on atland-voisin.com.

“Hunches and savings go hand in hand.” We all dream of making the best possible investment. But there isn't one method that works for sure (unless you're listening to La Martingale). Fortunately, Albert d'Anthoüard has a few ideas to help us better manage our finances. Our guest of the day: Albert d'Anthoüard is the director of private clients at Nalo, a financial investment advisory firm. Role of private bankers, management of its assets, etc. Find out what a good investment is and understand all about the business of a private banker. “Today private advisers must be independent of what they sell or explain.” With Matthieu Stefani, founder of CosaVostra, they come back to the role of the private advisor who should, ideally, be independent and help his clients in the management of their wealth. Albert also gives all the keys to make a good investment:

In this episode you will learn how October copes with the virus. What they have put in place to secure entrepreneurs… and lenders, particularly individuals. You will also see how they asked for the opinion of each stakeholder in their ecosystem before setting up their actions, with incredible solidarity on the side of the lenders (and all this with scores that would make Fidel Castro jealous!).