Qonto, a France-based platform that manages the financial operations of over 600,000 small and medium-sized enterprises (SMEs) and freelancers across eight European markets, has introduced two AI-driven assistants within its system. These include The Operator, which performs standard banking tasks, and The Analyst, offering insights from account data.

The Operator allows users to request services via natural language commands. It can create both virtual and physical cards with defined spending limits, upload up to 50 invoices in one go for automatic payment detail extraction, schedule transfers, and draft and send invoices. Every transaction still requires user approval and two-factor authentication.

Meanwhile, The Analyst helps business owners ask questions about their transactions conversationally, such as detailing expenses in a specific category over a set period or obtaining breakdowns of spending by merchant and category with comparative data from previous periods. Users can also filter and export transactional data based on these parameters.

Transformation driven by AI at Qonto

Qonto’s recent internal changes reflect a significant shift towards AI integration. According to the company, 86% of its employees now use AI tools daily. An in-house support AI agent, Moshi, handles about 60% of routine customer service inquiries, while another AI assistant named Germi highlights cases needing human review for compliance. In March 2026, autonomous AI agents managed over 800 code modifications.

A localization AI agent, Tolki, has sped up content localization processes by 70% across eight markets. This transformation underscores Qonto’s commitment to leveraging AI for efficiency and support in financial management.

Across Europe, SMEs constitute 99% of all businesses and employ around 90 million people. Despite this prevalence, many SMEs lack dedicated resources for adopting AI technologies. Qonto estimates that these firms currently spend up to eight hours weekly on administrative tasks related to finance that could be automated by the introduced assistants.

In remarks following the launch, Steve Anavi, Co-Founder and President of Qonto, stated that their goal is to create proactive financial infrastructure for SMEs, focusing not just on managing money but providing a financial system that operates in advance of any requests from business owners.