Qonto Goes AI-Native with Two Intelligent Agents Across 600,000 SMEs

Qonto, the European business finance management platform, has launched two AI agents - The Operator and The Analyst - available to all 600,000 SME and freelancer customers across its eight European markets. The move marks the company's transformation from a business finance platform into what it describes as an AI-native financial operating system, where autonomous agents handle routine banking operations through natural language.

The launch addresses a long-standing pain point for small businesses: European SMEs spend roughly 8 hours per week on financial administration, yet rarely have the resources to deploy AI internally.

The Operator: hands-on banking tasks via chat

Embedded directly inside the Qonto app, The Operator executes routine banking operations on request. Customers can ask it in plain language to:

• Create virtual or physical cards with spending limits
• Pay invoices in bulk - up to 50 invoices per batch
• Schedule payments
• Create and send invoices

Every transaction still requires user confirmation and two-factor authentication before execution, keeping the agent firmly in an assistive role rather than an autonomous one.

The Analyst: turning transaction data into insight

The Analyst converts raw account activity into answers. Business owners can ask questions about their spending patterns and get instant breakdowns by merchant and category, track how spending evolves across periods, and generate filtered transaction exports without wrestling with spreadsheet filters.

"SMEs deserve intelligent financial infrastructure"

Steve Anavi, Co-Founder and President of Qonto, framed the launch in terms of access: "Europe's 26 million SMEs don't have AI teams - but they deserve intelligent financial infrastructure anyway."

Anavi added that the company's customer-facing AI push is grounded in its own internal practice: "You can't sell AI transformation if you're not living it."

An AI-native operating model

The Operator and The Analyst sit on top of a broader internal AI transformation at Qonto. The company says 86% of its employees now use AI daily across departments, supported by a stack of internal agents:

• Moshi, an AI support bot, handles around 60% of common customer requests and operates 24/7.
• Germi, a risk agent, flags compliance concerns that need human review.
• Tolki, a localisation agent, has cut localisation time by 70%.
• Autonomous engineering agents shipped 800 code modifications in March 2026 alone.

For a banking-adjacent fintech serving SMEs, the strategic bet is clear: customers who lack the time and engineering depth to build their own AI tooling get a usable, audited substitute baked into the product they already use to move money.