Qonto SA operates a digital banking and expense management platform specifically designed for European small and medium enterprises (SMEs) and freelancers. Founded in 2016 and headquartered in Paris, the company addresses the underserved business banking segment by offering streamlined financial services including business accounts, payment processing, and integrated expense tracking tools. Qonto has established itself as a leading challenger bank in the European B2B fintech space, differentiating itself through its focus on simplifying financial operations for business customers rather than competing in the saturated consumer banking market. The company continues expanding its service offerings and geographic presence across Europe.