The project

Launched in January 2017, Shine’s idea was to create an account that could simplify the daily lives of the self-employed and entrepreneurs in their everyday management, while providing an excellent payment experience.

Since its launch, the fintech has raised over €10 million. In 2020, Shine was acquired by the Société Générale Group.



3 offers 




Key market data

  • In Europe, the SME banking market segment is valued at 30 billion euros.
  • In Europe, there are more than 23 million SMEs.


The problem identified by Shine

  • Lack of tailor-made offers for the self-employed and small businesses.
  • Isolation of the self-employed from administrative issues.
  • Need to connect an interface handling the requests of self-employed and small businesses to a banking application.


The deployed solution

  • Business card and premium business card offer (Mastercard World Elite)
  • Tailor-made card insurance offer for self-employed and small businesses.
  • Management of the entire regulatory part for Shine.
  • Management of all core banking, processing, and incoming and outgoing payments.
  • Creation and management of Wallets, IBANs and issuing of payment cards.


Latest developments

In 2021, Shine obtained authorization from the French regulator (Autorité de Contrôle Prudentiel et de Résolution – ACPR) to become a Payment Institution, thanks to the joint work done with Treezor. The result of this collaboration represents a major step in Shine’s growth, enabling the brand to develop faster and go further. Thanks to Treezor’s offer designed especially for Payment Institutions (PI), Shine now uses core banking features via API. Treezor remains Shine’s main technology partner and the issuer of its payment cards.

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