QONTO
“ We ' ve been able to do some really cool things in terms of what the customer experiences ”
JORDI GUDIOL CHIEF OPERATIONS OFFICER , QONTO downtimes , card fraud and / or bankruptcies . There are quite a lot of checks and balances in place to make sure those things don ' t happen , or if they do , that the impact is minimal . What ' s really difficult , though , are things like phishing attacks and other types of social-engineering scams , where someone tricks a customer either into providing their account access information or , through some other scam , have convinced someone to actually transfer money to another account .
Those types are much harder to protect against because we ’ re outside of the loop in a way ” says Gudiol .
Learning to navigate these challenges , Qonto has developed technology to both allow it to correctly identify individuals and organisations it onboards as well as systems to detect suspicious patterns and / or activities on accounts which allows the teams to investigate the activities and take rapid action where needed .
Equipped with the tools to successfully navigate these challenges , Gudiol explains that Qonto is looking forward to the coming years of expansion and international growth : “ When the time is right , we will add new countries to the list to accelerate our growth .”
“ We are just getting started in terms of really building a finance solution that businesses need and want . And then who knows ? FinTech is moving so quickly . So probably two years from now , it will look very different and we are just going to have to adapt as well . We know that there are many things that we will need to do , we just don ' t know what they are yet ,” he concludes .