We have already addressed the issues of cash management, however, we have never yet covered the subject of currency risk management. Kantox works hand in hand with Banks to enable its clients, mid-cap companies and SMEs to better address currency risk and thus reduce P&L volatility induced by changes in exchange rates. This “tech” box is present in the United Kingdom and in Europe and has recently entered the United States. We discover the way in which the “Dynamic Hedging” solution was designed and works, but also the evolution of this scale-up which has refocused in recent years on software. We therefore see in more detail the “FX workflow” through the “use case” of a tour operator. You will find that it is impossible for treasurers to correctly assess this risk and cover it appropriately, the information being little or not accessible. We also look at how it works in other sectors such as manufacturing, travel, industry and understand that it actually concerns many companies of varying sizes. Philippe gives us full transparency on Kantox's banking partners such as Barclays, BNP Paribas, Silicon Valley Bank. We end with the risk coverage of crypto-currencies.

The subject: At the end of the crisis, society wants to reconnect with growth, but not at any price: the public is increasingly aware of environmental issues. Companies resorting to greenwashing operations are multiplying and it is increasingly difficult to invest responsibly and sustainably. New actors are mobilizing. Today's guest: Joseph Choueifaty, is the co-founder and CEO of Goodvest, the first savings compatible with the Paris Agreement. He also hosts the podcast Monéthique, which addresses the challenges of sustainable finance. In this episode, he expresses his wish to democratize socially responsible investment (SRI) and to raise public awareness of the limits of the SRI label. At the microphone of Matthieu Stefani, co-founder of CosaVostra, Joseph Choueifaty discusses, among other things, the following points: # Even the most polluting companies can obtain the SRI label. No guarantee therefore that your investments support an ecological dynamic. For our speaker, companies must fully integrate environmental, social and governance issues. # The calculation of the companies' greenhouse gas emissions report depends on 3 criteria: scopes 1 (direct emissions linked to the manufacture of the product), 2 (indirect emissions linked to energy consumption) and 3 (other indirect emissions, suppliers and end users). If the first two are public, the last is difficult to access.

At the end of this discussion, you will have a complete overview of the Meilleurtaux Group's offer and understand how the intuition of its founder Christophe Cremer in 1999 today allows this French broker to hold a considerable market share in the market. intermediation of financial products and services. We look at the different verticals and discover the nature of the services offered, the relationships with financial institutions, new players such as Luko (Episode # 54) or Orange Bank (Episode # 51) and the positioning in the current ecosystem. It is also a question of the way in which this historical comparator informs and supports its customers, whether through its online platform, its remote advisers or in branch. We also cover how the infrastructure has evolved, the tools and processes made available to franchisees. Without going into details, we discuss the figures, the group's buyouts and relations with its shareholder Silver Lake. Finally, you will understand the role played by the essential Marc Fiorentino within the Group.

Everything you need to know about consumer credit in both B2C and B2B is this week's program. Charles gives us a maximum of details on the fundamental differences between consumer credit, mortgage, overdraft, and we come back to the concepts of 'Buy Now Pay Later', or even of 'Revolving'. You will discover how in 10 years, the French scale-up has become platformed thanks to its internationalization, thus making it possible to extend its offer to B2B whether it is to SMEs or to financial institutions. This deployment of new modules now allows Younited Credit to form 'Credit as a Service' or 'Credit as a Payment' partnerships. With the establishment of the Common Securitization Fund (FCT), Younited Credit collects money from professional investors (companies, insurers, foundations, pension funds). The funds collected are then used to grant consumer loans to borrowers. We come back to the different approvals necessary for Younited Credit in order to grant loans on the one hand and pay lenders on the other. Thus, from its launch, Younited Credit was approved in France as a Credit Institution and Investment Services Provider by the ACPR and the AMF. Charles explains how the company has become a key European player in consumer credit with EUR 2,7 billion in loans and payments taken out. We end with a light on the last funding round announced with Goldman Sachs and Bridgepoint and the skills sponsorship that Younited Credit deployed in 2017 with ADIE.

When you have children and teenagers, managing pocket money is an endless headache. That's why Benoit and his co-founders created Pixpay. In truth, the mission that this young startup has set itself goes much further than that. It is actually a matter of training and educating teenagers in the management of personal finances. So that money is no longer a taboo and a thorny issue in families, Pixpay has created an App' with an adult section and a child section to allow parents to accompany their children in their first financial experiences: savings, expenses, budget management, fundraising or simply that all work deserves pay. When we know that 4 out of 5 French people do not invest in the equity markets because they do not understand basic financial notions well enough, we say to ourselves that there is essential and exciting educational work to be done. We therefore go through all the features of Pixpay and how this young company will go about advancing knowledge and breaking down cultural barriers. We leave with a book to read: The week when Jérôme Kerviel almost blew up the global financial system by Hugues Le Bret Good listening to all!

With soaring prices, especially in large cities such as PARIS, it has become difficult for a good number of tenants to afford to buy similar accommodation. At the same time and with the tightening of the conditions for obtaining financing, it has become "almost" impossible to borrow at 110%. Faced with her two observations and anxious to find a real solution to break this vicious circle, my guest of the day Saskia FISZEL created Virgil. Virgil is your co-investor for your main residence and completes your contribution or allows you to offer you the additional m2 you need. But how does it all work? Answer in this episode.

"4 years ago everyone said it was a shit idea". Alexandre Prot, co-founder of Qonto. The tone is set. Today, Fintech is on the rise, in France, with investors, and at the microphone of 40 shades of Next. After Cyril Chiche from Lydia, we therefore welcome Alexandre Prot, co-founder with Steve Anavi of the "neo-bank" of VSE-PME. From its creation in 2016 to the spectacular fundraising of 104 million euros in 2020, from the launch in France to European development, from beta-users to 20 billion transactions, from Easy Business Banking to Business Just Got Simpler, its objective has remained unchanged: to simplify the life of VSEs and SMEs. With notably Tencent, DST Global, Alven and Peter Thiel in the capital, Qonto has seduced by its model and its promise of reinventing access to banking services for professionals. How did Alexandre and his partner manage to access and attract large investors, including abroad? Can we qualify the company as a Neo bank? We decipher the Qonto model, the way in which the company has been able to penetrate a complex market by making it simple and the market prospects with new offers. We discuss in particular the recent possibility for the brand's customers to obtain a professional loan thanks to a partnership with another key player in Next40: October and its founder Olivier Goy. It's only a beginning. “Today everyone says it's great, 'an obvious idea', whereas 4 years ago everyone said it was a shitty idea”. The beginnings were not easy, however, the steps to be climbed were high and numerous, and we come back to them in detail. And it is straightforward and without taboos, that he answers the pro and personal questions of my friend Olivier Mathiot, Steve Anavi, Céline Lazhortes and Anne Taffin. And soon at the microphone of Solène Etienne, her choice Sista with Anabelle Bignon, co-founder of Maria Schools. Find the Next 40 champions on https://podcast.ausha.co/40-nuances-de-next