{"id":21260,"date":"2025-02-24T10:09:58","date_gmt":"2025-02-24T09:09:58","guid":{"rendered":"https:\/\/www.powens.com\/?post_type=customerstories&#038;p=21260"},"modified":"2025-12-11T11:04:52","modified_gmt":"2025-12-11T10:04:52","slug":"qonto","status":"publish","type":"customerstories","link":"https:\/\/www.powens.com\/fr\/customer-stories\/qonto\/","title":{"rendered":"Comment Qonto cr\u00e9e de la valeur pour ses clients gr\u00e2ce \u00e0 l\u2019Open Finance"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Qonto est bien plus qu\u2019un simple fournisseur de comptes professionnels : c\u2019est un v\u00e9ritable copilote financier. Depuis huit ans, l\u2019entreprise accompagne les entrepreneurs et les PME en leur fournissant des comptes bancaires et se distingue gr\u00e2ce \u00e0 une solution tout-en-un qui centralise divers services financiers essentiels et offre une exp\u00e9rience fluide et intuitive.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aujourd\u2019hui, Qonto va plus loin en int\u00e9grant de nouveaux services : facturation, gestion des d\u00e9penses, gestion des fournisseurs et automatisation des process comptables.<\/span><\/p>\n<h2><strong>Un enjeu cl\u00e9 : Extension de la couverture bancaire dans tous les pays de l&rsquo;UE cibl\u00e9s par Qonto<br \/>\n<\/strong><\/h2>\n<p>Pour mieux accompagner ses clients, Qonto devait leur permettre de centraliser les donn\u00e9es de tous leurs comptes bancaires, y compris ceux d\u00e9tenus dans d\u2019autres \u00e9tablissements, et ce, dans plusieurs pays de l\u2019UE. L\u2019objectif ? Offrir une solution s\u00e9curis\u00e9e, conforme aux r\u00e9glementations locales et sans friction pour l\u2019utilisateur.<\/p>\n<blockquote><p><span style=\"font-weight: 400;\">\u00ab Qonto est pr\u00e9sent en France, en Espagne, en Italie et en Allemagne. Chaque pays a ses propres exigences en mati\u00e8re de connectivit\u00e9 bancaire. Lors de notre s\u00e9lection, nous avons donc accord\u00e9 une attention particuli\u00e8re \u00e0 la couverture bancaire dans ces quatre march\u00e9s cl\u00e9s. \u00bb\u00a0 <\/span><span style=\"font-weight: 400;\">\u2014 Maxime Champoux, Head of Product chez Qonto<\/span><\/p><\/blockquote>\n<h2><strong>Une solution d\u2019agr\u00e9gation bancaire fiable et performante<\/strong><\/h2>\n<p>Lors de sa recherche de partenaire technologique, Qonto avait un besoin prioritaire : une solution d\u2019agr\u00e9gation bancaire robuste et s\u00e9curis\u00e9e.<\/p>\n<p>Apr\u00e8s un appel d\u2019offres rigoureux, l\u2019entreprise a choisi Powens, dont la plateforme r\u00e9pondait \u00e0 des crit\u00e8res essentiels :<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Conformit\u00e9 r\u00e9glementaire<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S\u00e9curit\u00e9 et gestion des risques<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Couverture bancaire \u00e9tendue en Europe<\/span><\/li>\n<\/ul>\n<p>Mais au-del\u00e0 des aspects techniques, Qonto recherchait aussi un partenaire partageant sa vision. Tr\u00e8s vite, la collaboration avec Powens s\u2019est impos\u00e9e comme une \u00e9vidence.<\/p>\n<blockquote><p><span style=\"font-weight: 400;\">\u00ab Avec Powens, nous franchissons une nouvelle \u00e9tape. Qonto devient un v\u00e9ritable cockpit financier, capable d\u2019agr\u00e9ger non seulement les donn\u00e9es de nos comptes, mais aussi celles d\u2019autres banques. R\u00e9sultat : une gestion centralis\u00e9e et plus efficace pour nos clients. Un vrai gain de temps pour les entreprises. \u00bb <\/span><span style=\"font-weight: 400;\">\u2014 Maxime Champoux, Head of Product chez Qonto<\/span><\/p><\/blockquote>\n<h2><strong>Pourquoi Powens ? Une technologie Open Banking de pointe<\/strong><\/h2>\n<p>Qonto a choisi la solution Bank de Powens, une plateforme Open Banking hautement performante, offrant :<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Une couverture paneurop\u00e9enne, align\u00e9e avec les march\u00e9s cibles de Qonto<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Un mod\u00e8le d\u2019API unique, test\u00e9 de bout en bout avec de vrais comptes bancaires<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Un acc\u00e8s aux donn\u00e9es bancaires en temps r\u00e9el et historiques<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Une interface optimis\u00e9e pour maximiser l\u2019acceptation du partage de donn\u00e9es (jusqu\u2019\u00e0 75 %)<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Une gestion intelligente du consentement, gr\u00e2ce \u00e0 la solution Webview de Powens<\/li>\n<\/ul>\n<h2><strong>Des r\u00e9sultats concrets : une croissance acc\u00e9l\u00e9r\u00e9e en Europe<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Gr\u00e2ce \u00e0 Powens, Qonto a renforc\u00e9 son expansion europ\u00e9enne en int\u00e9grant une agr\u00e9gation bancaire fiable et fluide. Aujourd\u2019hui, ses clients peuvent g\u00e9rer plusieurs comptes bancaires en toute simplicit\u00e9, directement depuis leur espace Qonto.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cet \u00e9cosyst\u00e8me financier optimis\u00e9 se traduit par un Net Promoter Score (NPS) sup\u00e9rieur \u00e0 75, bien au-dessus de la moyenne du secteur, qui est souvent n\u00e9gative.<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">\u00ab L\u2019obsession client est au c\u0153ur de notre ADN chez Qonto. C\u2019est cette exigence qui nous a conduits \u00e0 choisir Powens, et nous la retrouvons chaque jour dans notre collaboration. \u00bb <\/span><span style=\"font-weight: 400;\">\u2014 Maxime Champoux, Head of Product chez Qonto<\/span><\/p><\/blockquote>\n<h4>Regardez l&rsquo;interview compl\u00e8te avec <a href=\"https:\/\/www.linkedin.com\/in\/champouxmaxime\/\" target=\"_blank\" rel=\"noopener\">Maxime Champoux<\/a> ici:<\/h4>\n<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/STt8LlHABmA?rel=0&amp;modestbranding=1&amp;controls=0&amp;showinfo=0\" width=\"800\" height=\"450\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><br \/>\n<\/iframe><\/p>\n<p>&nbsp;<\/p>\n<h2>D\u00e9couvrez comment Powens peut acc\u00e9l\u00e9rer votre croissance<\/h2>\n<p>Contactez notre \u00e9quipe d\u00e8s maintenant pour une d\u00e9monstration de nos solutions Open Finance.<\/p>\n<p><!--HubSpot Call-to-Action Code --><span id=\"hs-cta-wrapper-4904e30d-0a6b-41dc-a947-a8d6a569d84a\" class=\"hs-cta-wrapper\"><span id=\"hs-cta-4904e30d-0a6b-41dc-a947-a8d6a569d84a\" class=\"hs-cta-node hs-cta-4904e30d-0a6b-41dc-a947-a8d6a569d84a\"><!-- [if lte IE 8]>\n\n\n<div id=\"hs-cta-ie-element\"><\/div>\n\n\n<![endif]--><a href=\"https:\/\/cta-redirect.hubspot.com\/cta\/redirect\/2535354\/4904e30d-0a6b-41dc-a947-a8d6a569d84a\"><img decoding=\"async\" id=\"hs-cta-img-4904e30d-0a6b-41dc-a947-a8d6a569d84a\" class=\"hs-cta-img\" style=\"border-width: 0px;\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/2535354\/4904e30d-0a6b-41dc-a947-a8d6a569d84a.png\" alt=\"R\u00e9servez une d\u00e9mo maintenant\" \/><\/a><\/span><script charset=\"utf-8\" src=\"https:\/\/js.hscta.net\/cta\/current.js\"><\/script><script type=\"text\/javascript\"> hbspt.cta.load(2535354, '4904e30d-0a6b-41dc-a947-a8d6a569d84a', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); <\/script><\/span><!-- end HubSpot Call-to-Action Code --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avec un NPS de 75+, Qonto s\u2019impose comme un acteur incontournable des services bancaires pour entrepreneurs et PME. Gr\u00e2ce \u00e0 son partenariat avec Powens, Qonto a \u00e9tendu ses services en France, Espagne, Italie et Allemagne, en int\u00e9grant de mani\u00e8re fluide plusieurs institutions financi\u00e8res, tout en respectant les r\u00e9glementations locales. D\u00e9couvrez comment Powens acc\u00e9l\u00e8re leur croissance avec l\u2019Open Finance<\/p>\n","protected":false},"author":25,"featured_media":21296,"template":"","class_list":["post-21260","customerstories","type-customerstories","status-publish","has-post-thumbnail","hentry"],"acf":{"logo":"","company_link":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Comment Qonto se d\u00e9veloppe en Europe gr\u00e2ce \u00e0 Open Finance<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez comment le partenariat de Qonto avec Powens favorise l&#039;expansion europ\u00e9enne, am\u00e9liore la valeur client\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.powens.com\/fr\/customer-stories\/qonto\/\" \/>\n<meta property=\"og:locale\" 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