In 2009, Eric La Bonnardière wondered how to combine his love of travel and his desire to undertake. When he met Yvan Wibaux, a tech-savvy engineer, Evaneos took shape to shake up the codes of tourism and become a European leader through daring and innovation. In this very inspiring episode, you will have the opportunity to go behind the scenes of Evaneos, discover the pivotal stages of its success; but also the keys to ensuring the success of a change of direction. Sarah Tirmarche, Managing Director of Epic Foundation will explain how you can give meaning to your money, by donating strategically: to increase your impact in the world by changing life trajectories, based on your financial situation and by optimizing your taxation.

Glad to invite Jean-Daniel back to my podcast. This time, I associated Michel, its co-founder, with our discussion to come and talk to us about the environmental responsibility of the financial sector and about Memo Bank's commitment to the fight against climate change. They present their carbon footprint to us, they share their vision of the industry and how we can all work to transform it. You will thus discover that the Banque de France is a very good student and sets an example whether it is its investment portfolio or through climate criteria in their rating. I also had to take stock with them of the growth, profitability and scaling of this Bank, set up from scratch 4 years ago. Jean-Daniel details the steps taken since his first stint on Finscale, the way in which the scale-up was structured to promote and accelerate rapid and efficient growth. You will understand that the focus of Memo is the Product. A Technology at the service of customers that we dissect in detail. It is not for nothing that Memo is increasingly becoming the main bank for its customers.

A little reminder in this conversation on the three pension plans, the notions of Insurance and Banking PER and the constraints faced by savers when setting up and leaving their retirement plan. Caravel really aims to simplify this heritage strategy. We speak with Olivier specifically about the first phase of this start-up's life, in particular the search for the partner insurer, the creation of the "no code" platform, the recruitment of the first customers and the choice of support media. 'investment. Caravel's objective is really to create an ethical and responsible pension fund that offers a better retirement to everyone in a livable world. We therefore end with a central value for Caravel, which is that of ethics!

“We raised funds so you don't have to” This week we are bringing you a new inspiring conversation. We had the great pleasure of welcoming Gabriel Thierry, co-founder & CEO of Karmen, who answers Yacine Sqalli's microphone. 🎙 Karmen is the Revenue-based financing solution: they offer loans to all eligible companies, in less than 48 hours! With Karmen, you unlock immediate cash flow that boosts your performance, while maintaining full control of your business. The fintech has been in business for more than a year, has already raised €22m to finance its client companies, and employs around twenty people. 🚀 In this episode, we talk about: 🎙His long experience in the USA, and how he started working (for free) in Venture Capital 🎙The mentality in the USA - the "yes, can do" attitude 🎙The parallel between entrepreneurship and sport as a team: "I am 200% one of those who want to start as a team" 🎙 How he met his co-founders: Baptiste Wiel at the Master in trepreneurship X-HEC, then Sébastien Lubineau on LinkedIn 🎙 Their fundraising & the paradox of financing boxes that do not lift 🎙The sinews of war: real-time data via APIs, and the new scoring criteria 🎙His taste for entrepreneurship: "We like the hassle otherwise we wouldn't do that" 🎙The international ambitions: Southern Europe 🎙 Competition and how to stand out in a sustainable way 🎙 Lots of other topics! Good listening to all ! 🎧 Check out their site! 👉 https://www.karmen.io/ Thank you Gabriel for this exchange! 🙏

First podcast of Season 4 of Dans la tête d'un CEO! 🤩 For this new episode, we had the pleasure of welcoming the talented Mark Kepeneghian, CEO and founder of Kriptown, who answers Yacine Sqalli's microphone for 1 hour. 🎙 Kriptown is THE Neo-Bourse for startups and SMEs. They offer everyone the opportunity to participate in the financing of startups and SMEs by investing in liquid form. ✊ Thanks to the use of its private blockchain, Kriptown democratizes access to fundraising by providing for each fundraising a standardized whitepaper on the company (inspired by the AMF prospectus) validated by three trusted third parties. Once the lifting is finalized, investors can buy or resell their tokens on the Kriptown platform! Kriptown is thus a new form of investment called ITO ▶️ Initial Token Offering. In this episode, we talk about: 🎙 His background, his lack of involvement in school, and his move to the US 🎙 How he accidentally became an entrepreneur 🎙 The role of financial markets in our society 🎙 The importance of controls and due-diligence of securities listed on Kriptown 🎙 Its "giveback" culture: how and why to help entrepreneurs? 🎙His fundraising of €1,35M, and why startups lie about the numbers 🎙The impostor syndrome 🎙Ambitions for the future and the international 🎙The galleys of an entrepreneur to find accommodation 🎙Plenty of other topics! Good listening to all ! 🎧 Check out their site! 👉 https://www.kriptown.com/ Thank you Mark for this conversation! 🙏

Today we are going to talk about Neoinsurance! 🧐 For this new episode, we had the pleasure of welcoming Christophe Dandois, serial entrepreneur, CEO and co-founder of Leocare, who responds to Yacine Sqalli's microphone. 🎙 Leocare is the 1st auto and home neo-insurance 🥇 Co-founded by Noureddine Bekrar & Christophe Dandois, Leocare was born in 2017 in Rennes, with the ambition to offer fairer and more transparent insurance, 100% mobile, and without commitment. Their ambition? Achieve a turnover of one billion euros in 2026 with 2 million customers! 🚀 The startup already employs a hundred people, has more than 50 customers, and has just completed a $000M Serie B (with Eight Roads, Daphni, Ventech & Felix Capital)! In this episode, we talk about: 🎙 His journey, his 116st venture Niji, and his place as the last of the class 🎙 The report on the insurance industry, and the birth of Leocare 🎙 Their choice to settle in Rennes (Telecom pool) 🎙The different products they offer (home, mobile, car...) 🎙Their technologies: Artificial Intelligence & OCR (Optical Character Recognition) 🎙The place of Insurance in societal evolution 🎙 Their complementarity with the Insurance Giants 🎙 Their corporate culture 🎙 Ambitions for the future (products, international, etc.) 🎙 Lots of other topics! Good listening to all ! 🎧 Check out their site! 👉 https://leocare.eu/ And for recruitment, it's over here 👉 https://bit.ly/1AdgEVs Thank you Christophe for this exchange! 🙏

This week we are talking about expense reports, but also about the famous VLC Media Player! 💡 For this new episode, we are pleased to welcome the excellent Tristan Leteurtre, President and co-founder of Mooncard, who responds to Yacine Sqalli's microphone. 🎙🧐 Mooncard wants to get rid of expense reports. The startup offers a payment card associated with accounting management software to automate all business expenses. 🏆 Created in 2016, Mooncard has more than 4000 customers in Europe, employs 150 people and has already raised €25M with Partech, Aglaé Ventures, BlackFin Capital Partners and RAISE! 🔥 In this episode, we talk about: 🎙The creation of VLC (VideoLAN) - by students from Ecole Centrale, in open source and free 🎙His experience at Anevia as CEO and co-founder, from its creation to its IPO then its sale 🎙 Why entrepreneurship? 🎙 His report on expense reports and the birth of Mooncard 🎙 Competition and their differentiation 🎙 Internationalization 🎙 Big ambitions for the future 🎙 Lots of other topics! Good listening to all ! 🎧 Check out their site! 👉 https://www.mooncard.co/ And they are also recruiting, it's happening 👉 here And a big thank you to Tristan for this conversation! 🙏

For the start of the school year, I have the pleasure of welcoming an exceptional guest on Harmony Inside: Geoffroy Guigou, the co-founder of Younited. Younited is the Next40 scale up that has set itself the task of bringing financial serenity to Europeans. Created in the midst of the financial crisis, Younited first set out to make credit easy, fast and transparent, and is now tackling payment and budget management. With growth of 80 to 100% per year for 10 years, and a last fundraising of $170M in July. To accomplish such a mission, one must grow. And to grow, you need solid foundations! In this episode, Geoffroy tells us: How he created Younited with Charles Egly, and succeeded in becoming the first fintech to obtain an ACPR accreditation; How he was able to preserve his company's culture despite hypergrowth; How his founding role has evolved and continues to do so. The corporate culture has a central place in the success of Younited. If you still doubted it, this episode will convince you! Many thanks to Geoffroy for 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.

In this episode, I hear Jeremy Attuil the co-founder of Libeo, a supplier invoice management and settlement platform without Iban. In 14 months, Libeo is in its third round. After a preseed of € 1,75 million and a seed of € 4 million, they announced last February a new funding round of € 20 million. On this occasion, they welcome the capital of DST global and Serena in addition to the historical investors Breega and LocalGlobe. In this episode, we will talk about B2B saas, supplier management and obviously fundraising to understand how Libeo was able to convince so many investment funds in such a short time.

The subject: Photovoltaic, wind, hydro ... what if we had finally found THE martingale par excellence? In short, you will understand, today's episode will be dedicated to renewable energies! Our guest of the day: Léo Lemordant is the co-founder and president of Enerfip, the first French crowdfunding platform that allows you to invest in renewable energy projects. At the microphone of Matthieu Stefani, co-founder of CosaVostra, Léo Lemordant explains everything you need to know before investing in renewable energies. Good to know: # You can start investing very young and with small tickets (even 10 euros if you want!). # The risks are quite low. Indeed, construction and photovoltaic projects (to name but a few) are still emerging. The only risk is that these projects will be slowed down.

Alexandre Toussaint is the founder of Baltis Capital in 2016, he explains to us why and how he developed this real estate crowdfunding platform. His idea is very simple: to create the "common pot" of real estate investment in France in order to provide access to real estate assets to as many people as possible. He began by buying the walls of a fishmonger near Lille with some relatives then extended his activity with numerous acquisitions made in the city center of large French agglomerations using the strength of real estate crowdfunding: “Real estate crowdfunding is more than 500 million euros in fundraising each year, more than 1800 real estate projects financed by this means, and only 0,16% of default. properties such as a former medical center located boulevard Schuman in Boulogne Billancourt (92). Finally, Alexandre looks back on his very rich career: consultant in commercial real estate at CBRE then responsible for Ile-de-France development at Foncière Magellan, he also shares with us his experience as an investor in start-ups that he now supports them in their creations and developments. A very interesting and instructive experience sharing to discover the multiple facets of digital entrepreneurship with a passionate person, good listening to all!

I saw employee savings as a very (too?) Boring and uninteresting subject. And I was wrong! On the contrary, it may even be THE best option for building up long-term savings. This episode was a revelation. My guest convinced me that employee savings are far too underestimated and that they have a lot of good things to offer us. Listen to this episode, you won't be disappointed! “At Epsor, the goal is to make the fruits of people's labor grow.” Our guest of the day: Julien Niquet is the co-founder and CEO of Epsor, a savings solution salary and retirement who wants to break the codes. The key words of Epsor? Accessibility, transparency, advice and performance. All this while allowing everyone to freely manage their savings and only offering responsible solutions. “For the state, the interest is twofold. On the one hand, it encourages companies to share some of their value. On the other hand, it makes it possible to build up long-term savings with investment vehicles that will allow it to be recycled in the French economy. ”With Matthieu Stefani, co-founder of CosaVostra, they highlight all the benefits of employee savings plan, on the employer side as well as on the employee side. Concretely, this consists in paying a bonus linked to the performance of the company to all its employees, at very advantageous rates. And Julien Niquet explains why employee savings should no longer be seen as the ugly duckling: # It's an interesting salary package: it's very inexpensive for the employer, it can bring in twice as much for the employee . # It does more to involve everyone in the success of the business, without exception. # Everyone is independent and free to manage their savings as they see fit, while saving responsibly. # It is very interesting from a tax point of view for employees who can thus benefit from very attractive pricing conditions. In short, there are ONLY benefits for everyone. And if the episode has convinced you, you can share it with your boss or drop him this link by email. Good listening !

Given the period, my gut tells me it's anything but the time to lend money to companies - except maybe Pfizer - if we want to avoid carnage in its heritage. But this episode should make you change. “We always try to make people understand that the most important thing is to diversify their portfolios and we encourage lenders to invest smaller amounts in more projects.” Because investing in SMEs could give you back the taste for investment and wake up the banker in you.Our guest of the day: Camille David is the Head of Customer Success of October, a lending platform for companies, in Spain. Whether you are individuals or professionals, you can easily invest in the SMEs of your choice from 20 euros. The must ? Each project has been analyzed by October which offers you only the best of them. “The typical October lender is a man in his forties, urban and who lends on average 65 € per project with a portfolio. average of 3 euros or around 600 to 45 projects. ”With Matthieu Stefani, co-founder of CosaVostra, they are developing the October project which allows everyone to invest in the best SMEs in France, the Netherlands, England, Italy and from Germany. Camille gives us her best advice for taking the minimum risk by investing: # It is always better to invest in several SMEs simultaneously to limit the risks. # Similarly, you should not trust your favorites and invest everything in a only business. Favorite things can sometimes play tricks on us. # On the other hand, we must always invest in projects that make sense to us - even projects that we see every day. # All projects can present risks , but it is still better to focus on class A projects. And if you have a large capital, you can also choose to invest in October funds and thus participate in all the proposed projects. There is no better way to reduce the risk! To enjoy € 50 from € 20 credit: the code October and you can go through the following link: fr.october.eu/mstefani They also talk about old Martingale episodes: # 200 - Bitcoin, scam or opportunities? # 3 - Gold bars, even better than bitcoin? # 13 - Should we take refuge in Bitcoin? # 23 - Buy the walls of its fishmonger, a good idea? # 36 - How to make money today in France on Airbnb with a small start-up? And Generation Do It Yourself: # 39 Olivier GOY - October and 62 IM - How to make a fortune in lending money # COVID-123 - 19 Olivier Goy - In the face of the crisis, earn by being honest (Linkedin Live) Happy listening!

Nicolas is what we call a serial entrepreneur, and an expert in payment matters. In 13 years he is in his third co-founded company. After Limonetik and Antelop, Swan, developed within the efounders environment, was officially launched in mid-September at the same time as the announcement of their € 5M fundraising from Creandum and with the participation of BPIfrance. In this episode we will obviously talk about fintech and Nicolas' ambition for Swan. We will also come back to the closing of their Seed of 5M €. For more information: https://www.swan.io/