Qonto launches Europe’s leading solution for business financial management serving more than 600,000 SMEs and self-employed workers across eight markets. These are “The Operator” and “The Analyst”, two AI agents that mark their transformation from a business finance platform to a native AI financial operating system in which autonomous agents will take care of routine operations.
Available today to all Qonto customers, The Operator and The Analyst can perform everyday banking operations (e.g. bill payments, card creation, transaction analysis) using natural language requests, eliminating the manual work that currently takes SMBs up to 8 hours a week.
The Operator
Integrated directly into the Qonto app, customers can now simply request The Operator to perform operations that previously required going through multiple screens and manually entering data:
- Card creation. Customers can request the creation of a virtual or physical card; the agent creates it and can set spending limits.
- Mass bill payments. Qonto customers can upload up to 50 supplier invoices in a single batch; The agent extracts payment data and prepares preliminary transfers for approval.
- Payment scheduling. Customers can request a transfer date through conversation; In this way the agent configures and executes the scheduled transfer.
- Creation and sending of invoices. The agent prepares the draft invoice and can send it.
Every critical action and financial transaction must be confirmed by the user and requires two-factor authentication and transactions are only executed upon approval.
The Analyst
The Analyst is a Qonto agent that transforms account data into actionable insights, allowing business owners to ask questions about their transactional activity and receive instant analysis.
- Answer questions. The agent generates a response from transaction data (for example, “How much did I spend on advertising last year?”), without the business owner having to manually compile reports in spreadsheets.
- Break down the expense. The agent summarizes spending by supplier and category for a selected period.
- Changes over time. The agent shows how spending evolves between periods (for example, month to month or quarter to quarter).
- Exports. Allows you to export filtered transactions (for example, by minimum amount and date range).
Bridging the AI readiness gap
European SMEs, which represent 99% of all companies and employ 90 million people¹, currently spend up to 8 hours a week on financial management²: time that AI could help recover, but most lack the necessary resources to adopt solutions adapted to their real needs. With this launch, Qonto bridges that gap by creating the financial infrastructure SMEs need to compete in an AI-driven economy. The change: moving from self-service banking to intelligent delegation, where AI takes care of routine operations and frees up time for activities that truly generate a competitive advantage.
Qonto’s autonomous AI agents handle hundreds of development tasks per month
“Europe’s 26 million SMEs do not have AI equipment, but they deserve an intelligent financial infrastructure,” says Steve Anavi, co-founder and president of Qonto. “That’s what we’re building. Soon, spending hours doing manual reconciliation or searching for lost invoices will be as outdated as calling the bank to check your balance. This is how Qonto becomes proactive: not just managing finances, but being a financial system that works for SMEs before they have to ask for it.”
Qonto’s native AI transformation
The launch of the agents is the result of a profound transformation that the company has experienced over the last year:
- Use of AI. 86% of employees use AI tools daily across all departments.
- Customer service. In 2024, Qonto introduced Moshi, an AI-based support bot, available 24/7 in all languages. It currently handles 60% of common queries through instant responses.
- Risk and regulatory compliance. In 2025, Qonto introduced Germi, an AI-based risk agent that analyzes industry classifications and prohibited activities, flagging cases that require human review.
- Technology. Qonto’s autonomous AI agents manage hundreds of development tasks per month, working as virtual team members alongside human engineers. In March 2026 alone, AI autonomously managed 800 code modifications, covering bug fixes and user experience improvements.
- Content localization. With Qonto operating in eight markets across Europe, Tolki, Qonto’s AI localization agent, is responsible for adapting content into multiple languages, reducing localization time by 70% and freeing up teams for content creation.
“You can’t sell AI transformation if you don’t experience it firsthand,” says Anavi. “At Qonto, every team is an AI team, not just as a slogan, but literally. Customer service agents create their own workflows. Compliance teams train models. Engineers launch products faster. When we tell SMBs that AI is going to change the way they operate, it’s because we’re already experiencing it at every level of the company.”
