Hi Björn, I’m a co-founder of Holvi. We’re very much targeting to be a general purpose tool for small business. Our focus is on automating “management accounts”, that is, making it easy for the entrepreneur, the small business owner to always see how their business is doing. As we also issue the current account, the Holvi Business MasterCard and provide Visa+MC acquiring, we’re able to capture a rich dataset from payments that allow for automation of bookkeeping to a large extent. Many of our customers also work with an accountant. For the accountant, Holvi provides all the transactional data pre-crunched so that the accountant can provide more consultative services.
At the end of the day, we want to help European entrepreneurs focus on their business, not the routine of managing their books. That can be automated away.