Qonto choisit la plateforme cloud unifiée de SAP pour l’optimisation de sa performance financière

A robust solution to support Qonto’s growth

In a context of rapid expansion, Qonto was looking for a  reliable and scalable financial ERP, capable of supporting its current and future business challenges. In collaboration with SAP, the fintech will benefit from an innovative, unified cloud solution aligned with industry best practices.

This transformation aims to:

• optimise financial efficiency: standardise, automate and secure financial processes to improve productivity and the traceability of operations
• improve performance management: provide a single, reliable source of financial data to enhance reporting accuracy and ensure compliance with accounting standards
• strengthen internal control: automation of controls and rigorous management of access rights
• ensure regulatory compliance: implement an ERP that meets audit requirements and e-invoicing obligations
• improve the user experience: an ergonomic digital tool, accessible to Qonto employees
• ensure agility and scalability: a robust and flexible system to adapt to new regulations, products and acquisitions.

A fast and scalable implementation

The global rollout of SAP S/4HANA Cloud is planned for early 2026 across all its markets, with seamless integration into Qonto’s existing IT ecosystem. SAP offers a deployment model in  public cloud, ensuring regular updates and rapid scalability.

Thanks to SAP’s Business Technology Platform (BTP), Qonto will be able to optimise, automate and integrate its financial processes with other SAP and non-SAP solutions.

MeltOne’s expertise combined with the SAP Activate methodology will ensure an efficient implementation aligned with market best practices.

A strategic partnership to support growth

By choosing SAP S/4HANA Cloud, Qonto is relying on proven technology backed by 50 years of SAP expertise to structure its development and equip itself with a solid, scalable financial system. With a standard functional coverage rate of 99%, this solution enables Qonto to standardise its processes while preserving its know-how and market differentiation.

“Implementing SAP S/4HANA Cloud represents an important milestone in Qonto’s growth journey, enabling us to build a scalable financial foundation that matches our international ambitions. This strategic investment will allow us to strengthen our financial processes while maintaining the agility that has always been at the heart of our success.” Anita Szarek, CFO at Qonto.

“We are delighted to support Qonto in this strategic transformation. SAP S/4HANA Cloud provides a robust and innovative platform to support their growth and optimise their financial management.” Olivier David, VP – Head of Digital MidMarket at SAP France

“We are extremely proud to support Qonto in modernising and improving the reliability of its financial processes on SAP S4/HANA Public Cloud, a solution that provides a solid and scalable foundation for managing complex processes on an international scale.” Benjamin Pérat, Managing Director of MeltOne.

About Qonto

Qonto is the European leader in corporate financial management, with more than 500,000 customers. The company simplifies day-to-day banking for SMEs and self-employed professionals by offering a 100% online business account combined with financial tools such as invoicing, accounting and expense management.

Founded in 2016 by Alexandre Prot and Steve Anavi, Qonto now operates in 8 European markets (France, Germany, Italy, Spain, Austria, Belgium, the Netherlands and Portugal) and employs more than 1,600 people.
Since its creation, Qonto has raised a total of €622 million from renowned investors. Qonto is one of the most highly valued French scale-ups and has been included in the Next40 index, which brings together the future global tech leaders, since 2021.

Thanks to an innovative product, ultra-responsive customer service 24/7 and transparent pricing, Qonto has become a European leader.

More information at: https://qonto.com/fr/press

About SAP

As the global leader in enterprise applications and Business AI, SAP (NYSE: SAP) is at the heart of the relationship between business and technology. For more than 50 years, organisations have trusted SAP to help them perform at their best by unifying mission-critical operations spanning finance, procurement, human resources, supply chain and customer experience.

For more information, visit www.sap.com.

About MeltOne

MeltOne is an international consulting and integration firm founded in 2014, bringing together more than 200 professionals in France, with offices in the United States, Canada, Colombia and Asia. With a unique approach combining the strength of a large firm with the agility of a start-up, MeltOne delivers innovative solutions across various sectors, helping to simplify its clients’ transformation projects.

MeltOne is recognised for its expertise in integrating SAP solutions, having supported many French Tech rising stars. Supporting Qonto once again confirms MeltOne’s excellence in implementing S4HANA Cloud for fast-growing companies.

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