Qonto transforms invoice collection with AI

SME Banking
31/03/2025News

Qonto, the financial management platform for European SMEs, has launched Invoice Operator, an AI-driven solution to streamline invoice collection. Developed with Twin and powered by OpenAI’s Conversational User Agent (CUA) model, it eliminates the hassle of manual invoice retrieval.

Digital Reinvention
27/02/2025Article

Financial Innovation Spotlight – February 2025

Simplifying invoice collection

Qonto users spend over three hours per month tracking invoices from multiple platforms. Across Qonto’s 500,000 customers, this adds up to 1.2 million invoices monthly. Previous automation efforts struggled due to a lack of APIs and fragile RPA scripts that frequently broke. Invoice Operator changes the game.

How it works

Users log into twin.so/qonto, and the AI agent takes over:

Identifies missing invoices from bank transactions
Autonomously retrieves invoices from provider websites
Matches and uploads invoices to Qonto

Unlike traditional RPA, Twin Agent adapts to different interfaces, offering human-like flexibility with API-level reliability. In beta testing, 1,500 users retrieved 500 invoices from 50 providers in under 10 minutes.

A new standard in AI automation

Reliability
Learns from interactions and self-improves
Manages mismatched amounts, currencies, and dates

Security
Destroys credentials after sessions
Implements compliance with GDPR and SOC 2 Type 2

Scalability
Operates in a custom-built Chromium environment
Maintains sub-100ms latency at high volumes

Qonto’s Invoice Operator redefines financial automation, making invoice collection faster, smarter, and more secure.

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