IbanFirst is a scale-up specializing in B2B money transfers. It has more than 350 employees, is present in 10 countries and manages more than 1,4 billion per month. Just that. This market, far from being easy to address, has large players and also requires creating a bond of trust with its customers. So, how did they manage to find a place in this market in less than 10 years? To understand their success, I invited David Remaud, CMO of the brand. He shares with us: - Their acquisition strategy - Their transition from Lead Gen to Demand Gen - Their expansion in Europe - Sales/Market relationships Don't forget to leave us your comments and impressions after listening! 🚀

Alternative investments – A tool that is taking up more and more space Who Olivier Herbout? An engineer by training with a degree from École Centrale Paris and a Masters in Financial Engineering from UC Berkley, Olivier Herbout was manager of the QIS (Quantitative Investment Strategy) division at Goldman Sachs in New York for 5 years. On his return to France in 2020 and alongside Samy Ouardini, he created the platform, an alternative to private banks. How Ramify works Ramify is an investment platform that offers wealth management services to individuals. A lack of supply, a lack of advice on the one hand and their knowledge and expertise in this field on the other, push Olivier and Samy to create this new solution. Ramify offers different alternative products but not only to improve the risk/return couple. Ramify are: - 2500 investors - 20% growth per month for 2 years - €100M invested What is an alternative product? An investment that falls outside the scope of listed stocks/bonds, it is viable if it creates value and/or if it presents diversification in the portfolio. An alternative product comes in opposition to the so-called traditional product. But what else are we talking about in this episode? Alexandre and Olivier talk: Art Private equity and private debt Augmented advisors and the humanization of services Emotional in investment Alternatives and children Tax exemption And you, what's the matter in your Olivier piggy bank? Want to know more about Olivier and Ramify?

In this episode Nicolas Piatkowski welcomes Pierre, seasoned entrepreneur, for a frank discussion on the ups and downs of entrepreneurship. Discover the underside of business creation and the challenges that an entrepreneur encounters throughout his journey. - The reality of daily pressure as an entrepreneur and its impact on personal life. - Pierre's experience with selling his first business and how it influenced his career. - An overview of the challenges of managing expense reports in companies and the importance of automated tools. - Pierre's thoughts on the venture capital industry and his approach to investments. - Insights into payroll management and the use of artificial intelligence for more effective data analysis.

Help merchants get paid in installments by their customers? This is the challenge that Louis Chatriot, founder of Alma, a payment service in installments, took on. 💸 However, if Alma is a success today, the path to get there was not always obvious. A graduate of Polytechnique, Louis began his career as a consultant, but quickly realized that the setting did not suit him. Without waiting, he launched with friends into an ambitious project: summarizing the internet. From this idea was born “tldr”, a site where a community of nearly 50 people summarizes articles. Despite the enthusiasm, the co-founders quickly decided to put an end to this adventure and sold their company in order to devote themselves to other projects. Always looking for a challenge, Louis refuses an offer to work as a boss in France at Stripe. Convinced that he has more to learn from a less developed company, he joins Local Motion, an American start-up producing boxes to control the opening of cars remotely. What follows is an adventure full of twists and turns punctuated by the installation of electronic sensors to monitor fleets of business vehicles. After a final struggle leading to the closing of the company, Louis seeks more stability to continue his learning. He found stability at Stripe where he became a Business operator. After having fully invested in launching a business in Italy, Louis, who is full of energy, embarks on a completely different adventure: the creation of a new company. He then founded Alma, a payment service in installments which simplifies purchasing and allows its users to move upmarket while purchasing without waiting.

Who would dare enter the offices of a New York company without having an appointment and asking to speak to the boss? Who would ask the financial authorities to create a new authorization to be able to develop their company? Who would try to convince the employee of a European partner to develop the subsidiary of an American company in Denmark? All these moments have marked the whirlwind history of Cambiste, a company facilitating investment in the currency market, bought just two years after its creation by the Danish bank Saxo Bank. A challenge that she met with flying colors with her partner, Alexis, ex-CEO of Mailjet. One thing is certain, its founder, Pierre-Antoine Dusoulier, lacks neither nerve nor ideas!

You are not born CEO. We become it. How ? By making tough decisions, by falling, by growing as expectations evolve. I talk a lot about sales and marketing in the podcast but ultimately, one of the key success factors of a startup is the manager's ability to make the right decisions. Spoiler: it's not always easy. Like it or not, there is damage. In this episode, Nicolas looks back on the different phases of Soan's growth as well as his personal challenges as a manager.

Going from CFO to CEO of a hypergrowth startup. This is Laura's incredible journey over the last 3 years. However, she tackled a difficult market: a target allergic to innovation, a complex product to design, fierce competition. A challenge that she met with flying colors with her partner, Alexis, ex-CEO of Mailjet.

Andrea Ganovelli is one of the four co-founders of the new Green-got green bank. Coming from a fairly classic background in the start-up environment, he studied management and then obtained a diploma in a business school. In his final year of study, he went on an exchange to Oslo in Norway. An unusual destination but it is his attraction to the Fjords, nature and beautiful landscapes that led him to take the road north. An environment in which he will develop his passion for calm places, withdrawal into oneself, hiking and meditation. At the end of his stay in the land of the Vikings, he landed a job within the global Pernod-Ricard group in the city of Dublin where he was attached to the sales teams. It was during this period that he discovered a series of reports “The blue planet collection” produced in 2001 by the BBC. He takes a slap and begins to put in place habits in favor of the planet to align with values ​​that he has carried with him for many years. In particular, he will reduce his meat consumption until he becomes a vegetarian. Focus on “The Big Apple.” Pernod-Ricard then offered him a job in New York to work on the development of sales of Jameson whiskey. A stimulating job, but one which will become too far removed from Andrea's core values. Although he is surrounded by great colleagues, the destructive side of the alcohol industry linked to the intensive cultivation of raw materials will lead him to resign and return to France.

In this episode, I welcome Joao Cardoso, the founder and CEO of Lovys, an insurance company that offers a unique interface for managing its insurance contracts and wishes to reinvent the experience of policyholders. After a seed of € 3M in 2019, Lovys has just announced a funding round of € 17M with HeartCore Capital, NewAlpha and Raise Venture and the support of its Historical investors Maif Avenir, BPI and Portugal Ventures. In this episode we will be talking about user experience, insurance and B2C. We will also come back to the context of this great post-Covid-19 fundraiser and the challenges of insurance technology in France.

Raphaël Ronot is CMO / Designer at Cashbee, a savings solution via app. The company has raised more than € 1M since its creation.

David Remaud is the CMO of IbanFirst, which develops payment solutions for international companies. The company has raised more than 45M € during its existence.

I have been working in the corporate finance ecosystem for a little over 10 years. The person I want to introduce to you today is a real reference for me. At just 26 years old, he created a management company with the objective of democratizing investment in the unlisted. First blow, timing problem: bursting of the internet bubble! You have to review the business and take difficult measures by separating from some of the employees. The years go by and finally, after 4 years of hard work, the activity is finally taking hold and 123 Investment Manager is developing more and more quickly, taking a place as a major player in the unlisted sector. 14 years later, midlife crisis 🙂? While his company is doing extremely well with more than 1 billion under management, this entrepreneur decides to embark on a whole new adventure: crowdfunding in loans, or crowdlending. From a blank sheet of paper, he launched Lendix in 2014 which will change its name and become October, today the number 1 business lending platform in Europe. You may have recognized it, in this new episode we address the brilliant trajectory of Olivier Goy, who shares his story with us, from childhood to his passions, including his vision of the company and the entrepreneurship. "To undertake: it is to register in the long term, to undertake it is a hygiene of life, to undertake, it is to make concessions" I do not tell you more: It is the story of a great man of #Fintech: Olivier Goy - His nugget of the moment: https://fr.october.eu/ - His first entrepreneurial adventure of which he is still the main shareholder: https://123-im.com/ - The foundation that 'he created with his wife Virginie that I recommend that you go see and support: https://www.fondationphoto4food.com/

Benoit is now what we call a serial entrepreneur, after having studied in strat consulting at Roland Berger and a stint at Canal and Rocket internet, in 2012 he set up my doctor, an appointment booking platform for doctors that he resells in 2018 to his competitor, Doctolib 'In 2019 he does it again and launches Pixpay even though at least two other projects on the same positioning are emerging on the French market. The war to bank teenagers is therefore declared. From the start, Pixpay raised a seed of 3M with GFC and business angels and nearly 9 months later they announced last February a series A of 8 million euros with BPI and GFC. Thus taking a definite lead over its competitors. In this episode, we will come back to what led him to tackle the teenage segment, neglected by traditional banks, and try to understand how Pixpay convinced its investors in a context of very competitive growth.

He was promised a career as a doctor before choosing another path, that of entrepreneurship and digital. It is therefore not by chance that this period of covid-19, the co-founder of Wynd spent it at the bedside of small businesses, hit hard by the crisis. However, the future of trade does not depend only on the health and economic crisis we are facing. The hegemony of companies like Amazon or Alibaba poses much more complex questions. Wynd and many other players in Tech are mobilizing to give businesses, large and small, the weapons to position themselves against the largest. If the ambition is great, it is in all humility that Ismaël Ould looks back on his entrepreneurial adventures. He does not omit the "slaps", he does not forget the doubts, he even claims them. The entrepreneur is human, the human is made up of paradoxes. And it is precisely these paradoxes that interest our guest. An entrepreneurial and human journey to discover in two parts.

From the human values ​​that animate it to the value of our data, Pascal Gauthier is lying this week on the sofa of 40 shades of Next. The opportunity to discover what makes Ledger a success for the Next 40 and more generally for the world of FinTech. Above all, the opportunity to discover what built and guided the man today at the head of the company. This autodidact, passed in particular by Criteo before becoming investor then entrepreneur, was able to demonstrate that the pragmatism, which can be due to the maxim "it is only the result which counts", makes generally sense in matters of entrepreneurship. It is this pragmatism mixed with a certain number of values ​​that lay the foundations of its thinking in terms of data protection. Thus, for him, if we want to defend our European values ​​in terms of data protection against GAFA, it is not through regulation but through business that Europe should impose itself. This week we discover again an inspiring man, who directly shares his thoughts on subjects as varied as education, the importance of choosing his companion, the value of the entrepreneur and the investor. It is also straightforward that he answers the pro and personal questions of my partner Olivier Mathiot, Ian Rodgers, CMO of LVMH, Eric Larchevèque, founder of Ledger, Geraldine Russell of Maddyness and Philippe Mabille, of La Tribune before taking himself the microphone to question Nicolas Brien, CEO of France Digitale. As always, the episode ends with his "sista" Marie Ekeland, who announces to you at the microphone of our partner Solène, her new adventure!