Reinventing financial services for SMEs: Tot

We often read that the offers of traditional banks are not adapted enough to SMEs. So, we set out to discover new players dedicated to SMEs. Bruno Reggiani, COO and Co-Founder of Tot, gives us his point of view and shares with us what Tot.money offers its customers.


In which countries do you operate and how do you perceive the banking offer to SMEs there? In your opinion, does the offer from existing financial institutions meet the needs of SMEs?

We operate in Italy and notice that the market is still anchored in old dynamics, with high costs and poor access by professionals and microenterprises to financial solutions.