Case Study
Smart money automation, natively in Qonto
Qonto users can now automate their finances directly inside the app, powered by FlowOS.
Seamless automation embedded in Qonto
Qonto is Europe’s leading financial platform for freelancers and SMEs. Known for its clean UI, robust business accounts, and powerful tools, Qonto is all about simplifying business finance.
To extend this vision, Qonto partnered with Flow to embed money automation natively in their mobile app, giving users the ability to set aside VAT, allocate income, and manage their finances automatically, with just a few taps.
Available now for all users in France on Android and iOS. Coming soon to all markets.
The problem
Repetitive tasks slows customers down
For small businesses and freelancers, financial management often involves:
Manually setting aside money for VAT or taxes
Switching between multiple accounts
Remembering when and where to transfer funds
Even in a great banking app, these tasks feel repetitive and error-prone, and they cost users time and headspace.
Users were asking for automation. But not in another app. Inside Qonto.
The solution
Automate repetitive tasks
Together, Qonto and Flow delivered a deeply embedded automation module inside Qonto’s Android and iOS apps: styled, branded, and engineered to feel native.
Templates
Prebuilt flows like “VAT fund” and “Income allocation” help users get started fast.
Automations
E.g. “When funds come in with reference ‘invoice’, move 20% to VAT account.”
Retention & Stickiness
Automation rules and advanced banking tools (e.g., sub-accounts) increase customer engagement.
The FlowOS software middle layer is the secret sauce to why our products wow your customers.
Banking integrations often disappoint. That’s precisely why we’ve developed the FlowOS software middle layer: built on top of your existing platform, it ensures our money management products work delightfully and amazes your customers.
Plus, it functions as fertile ground to build you anything our customer-centric minds can think of. Some examples are shown on the right.
Why partner with Flow?
Help your customers gain back control of their money
Improve your customers’ control over their money and help them save time and costs.
Happy customers increase retention
Together, we will amaze your customers. As their sole banking and accounting platform, clients will stay with you forever.
Become your customer's go-to financial platform
Bypass traditional banks and become your customer's single platform, taking care of all things money and accounting.
Create new revenue streams
Generate more business by introducing new products and services.
Compliance & security
Flow ticks all compliance and security boxes
We use bank grade security measures to protect your data and we’re ISO 27001 certified: a standard in information security.
PSD2 AIS
PSSD2 AIS (Account Information Service) is a provision under PSD2. It allows us to access and aggregate a user's financial data from multiple bank accounts, offering a comprehensive view of their finances.
PSD2 PIS
The PSD2 PIS (Payment Initiation Service) license is a regulatory accreditation under the EU's Payment Services Directive 2. It allows us to initiate payments on behalf of users directly from their bank accounts.
GDPR compliant
Being GDPR compliant means we fully adhere to the EU's General Data Protection Regulation by ensuring customer data is collected, processed, and stored securely, with consent, and for legitimate purposes.
Go-to-market strategy
In close cooperation, we develop value propositions that fit your customers' needs, ascertain the target audience, and decide on pricing.
Marketing & Sales
We know the benefits of our products from the inside out. That is paramount in coaching and guiding your marketing team.
Continuous support
We’re there for you all the way. That’s because we want our money management products to truly wow your customers: we wow to win.
Our partners

