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DOSSIER Next 40 | Lydia, fintech du paiement mobile

Lydiadata:image/jpeg;base64,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

Lydia est une fintech française spécialisée dans le paiement mobile créée en 2011 par Cyril Chiche et Antoine Porte. L’application Lydia permet à ses utilisateurs d’envoyer et de recevoir de l’argent grâce à leur mobile, et de payer dans les magasins et sur les sites de commerces en ligne supportant Lydia comme moyen de paiement. L’application leur permet également d’agréger tous leurs comptes bancaires dans celle-ci, de créer des comptes partagés et des cagnottes mobiles. La start-up revendique plus de 4 millions d’utilisateurs. Ces derniers sont 85% à avoir moins de 30 ans. En 2020, le volume de transaction a doublé par rapport à 2019 passant ainsi à 3 milliards d’euros. L’entreprise s’est exportée au Portugal au cours de l’année écoulée et souhaite continuer son internationalisation.  Pour ce faire, et ainsi venir concurrencer Paypal, la fintech peut compter sur un effectif de 200 salariés. 

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