Finscale # 99
Finscale
#99 - Pierre Morizot (Waltio) - Mastering his tax return in crypto currencies
Description of the episode
Started like many start-up projects on an excel spreadsheet, Waltio has implemented tax software that allows individuals to correctly declare taxable capital gains as well as income generated by crypto-currencies. Without going into the subtleties of the tax code, we see how the rapid development of this sector poses serious problems for French taxpayers. Whether it is the multiplication of exchanges, the disappearance of some, the development of passive income through "staking" or "lending" or even the explosion of Decentralized Finance, the complexity of this entire ecosystem makes almost impossible statements on Sunday evening, do it right away. Pierre explains to us the integrations they have carried out and their modus operandi with the actors in place to deliver quality reports. We are still talking about 105 integrated platforms and blockchains. We return to the subjects of valuation of assets, accuracy of calculations and updates of both tax rules and restatements resulting therefrom. Relying on influencers who help to evangelize crypto investors, Waltio must also invest a lot of energy in training the various stakeholders, users, legislators or administrations. Guest Recommendations: Philip Knight's Art of Victory Jonathan Lefèvre's Customer Service Obsession
Finscale # 97
Finscale
#97 - Eric Lassus (Treezor) - The FinTech of FinTechs
Description of the episode
We go from the beginnings of Ameliste more than a decade ago to the deployment of Treezor internationally. Eric explains to us how he and Xavier patiently rolled out one of the very first "Banking as a Service" in Europe. As a precursor of FinTech, with the support of ARKEA and then Société Générale, Treezor has enabled many FinTechs to launch, in particular Qonto and Lydia. Time, effort, testing of new "use cases" and the growth of the FinTech ecosystem have enabled this young shoot to become a BaaS solution at European level. Eric tells us about the takeover by Societe Generale and how this start-up was able to take advantage of the group while maintaining a form of independence absolutely necessary to maintain its agility. Of course, we are talking about the nature of relations with the shareholder, the way in which Treezor had to develop its platform and was able to increase its skills to meet growing requirements, particularly on compliance issues. We talk about the evolution of the client portfolio: the needs of corporates as well as those of other FinTechs present in the other European countries in which the scale-up is present. Guest Recommendation: Scaling Up by Verne Hernish
FinTeach – Romain Mazeries
EndTeach
#44 - Romain Mazeries | mangopay
Description of the episode
For this new episode, I invite you to meet Romain Mazeries, CEO of Mangopay. Mangopay is an API payment solution for marketplaces, crowdfunding platforms and fintechs. On the program of the episode: The highlights of these 10 years of entrepreneurship, International development and the impact of Brexit on Mangopay's activities, Advent's investment and the company's new ambitions , Managing HR growth and preserving corporate culture. Good listening !
FinTeach – Eric Mignot
EndTeach
#43 - Eric Mignot | More simple
Description of the episode
This week, I invite you to meet Eric Mignot, the co-founder and president of +Simple. +Simple is a 100% digital insurance broker dedicated to professionals. On the program for the episode: Forge distribution partnerships with major accounts, Organize a team dispatched to several geographies, Develop its international presence, Make acquisitions to grow. Eric's recommendation: Coverager. Good listening !
FinTeach – Karim Jouini
EndTeach
#42 - Karim Jouini | Expensya
Description of the episode
This week, meet Karim Jouini, co-founder and CEO of Expensya. On the program of the episode: Why Expensya attacked the expense report market, How they address a somewhat forgotten market: mid-market companies, Why they launched a new payment offer, How they organize their projects with "mini CEOs".
FinTeach – Li Cai
EndTeach
#41 - Li Cai | Lyane
Description of the episode
This week, meet Li Cai, co-founder of Lyanne. On the program for the episode: How Li coded the first version of the platform, The pivot taken by the company quickly, Their ambition to rebalance the relationship between insurers and policyholders, How to raise funds without an initial network. This episode is supported by platform58, the La Banque Postale incubator, specialized in FinTech and InsurTech. platform58 is above all a place of innovation dedicated to early-stage startups. Beyond the incubator, platform58 is a space that aims to encourage exchanges, interactions and sharing between startups, partners and employees of the Group to imagine together the banking and insurance of tomorrow. An ecosystem favorable to the development of young shoots like Lyanne, Li demonstrates in the episode. Good listening !
FinTeach – Pascal Gauthier
EndTeach
#40 - Pascal Gauthier | ledger
Description of the episode
For this new episode of FinTeach, meet Pascal Gauthier, CEO of Ledger. Ledger is a French scale-up that designs and markets security solutions to protect crypto-currencies. The company acquired unicorn status in 2021 after raising $380 million. With Pascal, we talk about his journey, how he joined the crypto world and became CEO of Ledger in 2019, the experience that Ledger offers consumers, individuals and businesses, how the Nano S works, as well as Ledger's ambitions for 2022 and the years to come. Pascal's recommendations: Content created by Ledger, including Down the Rabbit Hole, This is how they tell me the world ends, a book that covers all current and future cybersecurity topics. This episode is supported by Mastercard. Mastercard is a partner of choice for fintechs in France and Europe and is committed to supporting their innovations and development, and thus supporting the emergence of new payment experiences that meet consumer expectations. To support new players in the payment market in France and Europe, Mastercard relies on its international network and its consulting, technological and marketing expertise and has the ability to strongly support the implementation of technological innovations for the benefit of customers. fintech through a range of services. Mastercard shares a common vision with the French FinTech: agility, speed, technological innovation, ability to imagine the banking sector of the future and to offer customers innovative financial services. Good listening !
Finscale # 93
Finscale
#93 - Tiphaine Saltini (Neuroprofiler) - Assessing her appetite for sustainable investments by playing
Description of the episode
A real pleasure for me to talk again about cognitive biases with Tiphaine who had already come to talk to us about it within the framework of MIFID. This time we discuss how we as investors are influenced by our biases when it comes to sustainable investing. Capturing the customer's appetite for sustainable finance through our behavior is the new challenge that this start-up is launching. Tiphaine shares with us the results of a study that was carried out by Neuroprofiler to probe the knowledge and appetite of private investors on the subject of sustainability and the themes of the European taxonomy of application for a few months now. This growing interest - especially among young people - especially around climate change bodes well for our planet. However, you will understand that there is a gap between the needs identified for these customers and the products currently available from financial institutions. We are also reviewing with Tiphaine how the health crisis was experienced by this start-up and the obvious changes in use of its institutional clients. Gamification makes it possible to minimize a certain number of biases and therefore to render a more faithful image of the real appetite and reveal more of the needs and desires of customers in terms of ESG. Guest recommendations: Noise by Daniel Kahneman and Olivier Sibony System 1, system 2: The two speeds of thought by Daniel Kahneman (read and reread: a must)
High Frequency – Cyril Chiche
High frequency
Cyril Chiche: “I constantly project myself further”
Description of the episode
Cyril drew his inspiration from the development of mobile payment in Kenya and Asia. It was in a bar in Bastille ten years ago that he discussed his project with a web specialist, Antoine Porte. The two men then decide to embark on a professional and human adventure.
The Magnifying Glass – The Bockchain
Magnifying glass
In the closet: the blockchain
Description of the episode
Every Friday, the La Loupe team puts away in its cupboard the definition of a concept that you often hear about in the news... Without necessarily understanding all the issues. This week, Raphaël Bloch, Technology specialist in the Economy department of L'Express, explains to you what “blockchain” is.
Finscale # 57
Finscale
#57 - Cyril Chiche (Lydia) - From "Drinkon.me" to the Super App, Lydia's flawless journey
Description of the episode
With its 5 million users, Lydia has become in less than 10 years a Super App that offers insurance, payment and savings services. Cyril gives us very detailed feedback. From the early years with its co-founder Antoine Porte and the development of the Drinkon.me App to the Growth Hack at EPITECH and all the product developments that followed, you will understand how this scaleup has risen to the Next 40. Lydia's DNA is definitely to always provide more value to users by managing the complexity of deploying financial services. We provide an overview of services while providing full transparency on the integrations that make these features possible. Finally, Cyril comes back very precisely to the evolution of the cap table and explains to us Lydia "refoundation", the modernization program of the company and its App allow FinTech to truly revolutionize everyday financial services. Good listening to all ! We leave with two books to read: - The Paypal Wars by Eric Jackson - The man who planted trees by Jean Giono Good listening to all!
FinTeach – Marie Janoviez
EndTeach
#37 - Marie Janoviez | Caravel
Description of the episode
For this new episode of FinTeach, discover the career of Marie Janoviez, co-founder and CMO of Caravel. Caravel is the supplementary pension that makes the difference for the self-employed. During this exchange, we notably mentioned the various entrepreneurial projects that Marie has launched, the changes that Caravel is making for the retirement of the self-employed, the need to be natively sustainable, as well as the glaring differences between men and women on the subject of retirement. Good listening !
High Frequency – Eric Lassus
High frequency
Eric Lassus: "I believe in benevolence in a collective spirit"
Description of the episode
Eric Lassus, the boss of the French fintech Treezor, is the guest of High Frequency. After working for 10 years at IBM, Eric took a step into the world of fintechs. He explained to me how his role as manager has changed, particularly since the takeover of Treezor by Société Générale. Rugby player, benevolence and the collective are values that drive him at work. An episode directed by Pauline Armandet, journalist at L'Agefi.
FinTeach – Arbia Smiti
EndTeach
#36 - Arbia Smiti⎢Rosaly
Description of the episode
For this new episode of FinTeach, I welcome Arbia Smiti, the founder and CEO of Rosaly. Rosaly is at the crossroads of fintech and human resources: the start-up helps companies improve the financial well-being of their employees through downpayments. In this episode, we talk about Arbia's first entrepreneurial experience, the company's societal mission and the way Rosaly changes the lives of employees, her experience as an investor and the changes in the French start-up ecosystem. This episode of FinTeach is brought to you by Bressst - with 3S for Smart, Sciences and Startups - Crédit Mutuel Arkea's sector of excellence dedicated to fintech. BreSSST is convinced that it is possible to reconcile economic profitability and positive impact on society and the environment in financial services. Rosaly's model is proof of this, for example! In terms of resources, Arbia recommends 3 newsletters that she reads daily: TTSO (Time To Sign Off), for global news, Crunchbase, for start-up news around the world, The Hustle, for analyzes and reports on the US start-up ecosystem. Good listening !
Finscale # 81
Finscale
#81 - Violaine Raybaud (Descartes Underwriting) - The start-up rethinking parametric insurance from A to Z
Description of the episode
With the increase in climatic perils and the appearance of new risks, insurance companies are struggling to develop appropriate insurance products for "Corporates". It is to overcome this lack that Descartes Underwriting created its solutions a little over two years ago. Violaine explains to us what parametric insurance is and how an optimal and modern use of data makes it possible to be much more precise and to really address the needs of these customers who have been poorly served until now by traditional players. Offering precise models adapted to new climate risks, Descartes Underwriting offers sophisticated products that are distributed by numerous brokerage networks around the world. In a process of continuous improvement, the start-up thinks and develops its algorithms internally and in collaboration with many partners specialized in very specific risks such as hail, fires or hurricanes. We explore with Violaine the 4 major product categories and the ambitions of this young company which is already present on other continents, notably in Australia and the United States. We discuss the investors, the nature of the teams in place and collaborations with research centers. Good listening to all ! Guest's book recommendation: - Facing Gaïa (The Preventers of Thinking Round) by Bruno Latour
