From desktop to mobile: MyUnisoft built the app that unifies banking and accounting

When MyUnisoft first started, they were like most accounting software companies in France: focused on helping accountants handle tax preparation and bookkeeping for their clients.

But since 2018, working with over 1,300 accounting firms managing more than 250,000 dossiers (from construction companies to medical practices), they noticed something critical: their clients needed more than just accounting software.

They needed a way to manage their entire financial life without jumping between disconnected systems. Most importantly, they needed it to work seamlessly on mobile, because business doesn't happen just at a desk anymore.

“For us, it was essential that the fintech part be embedded, not just placed side by side. These are truly core functional elements of the overall product, which need to be seamlessly integrated — between a user and their payment, a bill and its transfer, an accounting entry and its bank transaction. Everything has to be deeply interconnected, within the same universe — not merely juxtaposed.” — Grégoire Leclercq, CEO at MyUnisoft

So MyUnisoft began to transform, building a collaborative platform where embedded banking and financial management live right inside the accounting workflow, allowing accounting firms to offer their clients a complete, branded business solution.

In French accounting, where SMBs struggle with disconnected financial and management tools, success hinges on one fundamental principle: making everything work together seamlessly. That's something MyUnisoft understood from the beginning.

"Today, our clients have a bank that is completely disconnected from their management tool. As a result, they spend an enormous amount of time trying to coordinate information." — Grégoire Leclercq, CEO at MyUnisoft

The three-month solution: From vision to reality

In just three months, MyUnisoft went from traditional accounting software to a complete fintech platform. This wasn't just an integration: it was a transformation that turned accounting firms into modern financial service providers, all while putting mobile experience at the heart of everything.

The partnership with Swan was driven by two key factors: a proven track record with tech ecosystem peers and a benchmarked ease of integration, which made Swan the clear choice over alternatives that might have been cheaper but would have required months of complex implementation.

“We benchmarked several options, and Swan clearly stood out for its ease of integration. The quality of the APIs, the clarity of the documentation, and the overall developer experience made a huge difference. Even if another provider had offered a lower price, we would have spent hours — maybe weeks — trying to integrate something less mature. We simply wouldn’t have reached the same result.” — Grégoire Leclercq, CEO at MyUnisoft

The integration process became a three-way collaboration between MyUnisoft, Swan, and integration partner Théodo, whose expertise proved essential for bridging the gap between banking infrastructure and accounting workflows.

“As far as integration goes, it was a tight collaboration. It was done in just three months, which is remarkable. Swan provided a lot of guidance on best practices — on how to structure things, make the right trade-offs, and prioritise what really matters instead of trying to do everything at once… It’s a great example of how well-connected teams can move fast when they share the same vision.” — Grégoire Leclercq, CEO at MyUnisoft

What MyUnisoft achieved as a result:

• Account creation with Know Your Customer (KYC)
• Money transfers and account consultation
• Card generation and management
• Payment links embedded in invoices

The opportunity: Unified financial management for French SMBs

The fragmented reality

France's 2M+ SMBs struggle daily with disconnected banking and management systems that force them to do everything twice. They process a payment in their bank, then manually reproduce that same transaction in their accounting software. This happens at every step.

This fragmentation doesn't just create inefficiency; it's expensive.

Small businesses pay banking fees for basic services while spending countless hours each week manually coordinating information between systems that should work together seamlessly.

MyUnisoft understood this need. As Grégoire highlights:

“We wanted the fintech part to be embedded, not just juxtaposed — so that a user, their payment, the invoice, the bank transaction, and the accounting entry all live in the same seamless flow.”

The market diversity challenge

This fragmentation is particularly challenging given the remarkable diversity of MyUnisoft's SMB client landscape:

“Our users are incredibly diverse — about 30% in construction, 30% in services (from doctors and IT professionals to cleaning and nursing), 20% in commerce, and 20% in real estate — which is exactly why a standardised, embedded approach makes sense.” — Grégoire Leclercq, CEO at MyUnisoft

This diversity means one-size-fits-all solutions don't work.

“For us, embedded fintech is nothing short of a revolution — much like AI or tech once were. Accountants are now embracing it, aware that integrated financial services are becoming the norm and a boost for the whole ecosystem.” — Grégoire Leclercq, CEO at MyUnisoft

Successful platforms must be flexible enough to serve a freelance nurse, a construction contractor, and an e-commerce retailer with equal effectiveness, all while reducing the costly inefficiencies these businesses face with disconnected systems.

A mobile-first approach to accounting

MyUnisoft’s integration prioritises a mobile-first approach because SMB clients need mobility for daily operations, whether they're on construction sites, in client meetings, or managing their business from anywhere. This mobile-centric focus is essential, since MyUnisoft clients are often on the move with their own clients and need to handle a significant portion of their work while mobile. As Grégoire emphasises, the mobile app is "évidemment au cœur de tous nos développements,” reflecting MyUnisoft's commitment to delivering functionality wherever their clients need it.

The result? A platform where business owners can check balances, approve payments, and manage their finances without ever needing to switch apps or wait until they're back at their desk.

“With our solution, they save time — but not only that. They also gain precision and more reliable data for their financial follow-up.” — Grégoire Leclercq, CEO at MyUnisoft

This embedded approach, combined with white-label capability, allows accounting firms to brand the entire solution as their own, transforming them from software providers into comprehensive business service partners.

The white-label approach: make accounting firms the star

MyUnisoft's platform features a white-label solution that enables accounting firms to brand the entire experience as their own, transforming them from software resellers into modern, tech-forward service providers.

It's very different from competitors, who tend to erase the accounting firm's identity to push their own brand. We do the inverse. We push the accounting firm's brand rather than MyUnisoft's." — Grégoire Leclercq, CEO at MyUnisoft

This approach allows SMBs to interact with their accountant's branded interface (not MyUnisoft's) through custom mobile apps, professional accounts, and business cards that showcase the firm's name and identity in every interaction. All of that while offering real-time transaction tracking and payment processing directly from invoices.

Behind the scenes, continuous reconciliation frees accountants to focus on client service rather than technical processes, while real-time cash flow data remains accessible through the accountant's personalised client portal.

The impact: Real results for SMBs

The seamless integration of branded financial services translates into measurable improvements across the entire accounting ecosystem.

“We see ourselves as a player that makes accountants’ lives easier and strengthens the firm’s image — saving time and elevating quality with automation and AI.” — Grégoire Leclercq, CEO at MyUnisoft

For SMB clients:

• Save 2-4 hours per week on financial administration
• Better tracking and more reliable financial data
• Professional banking experience without leaving their management platform
• Reduced banking fees compared to traditional business accounts

For accounting firms:

• Enhanced professional image with modern, branded technology
• Stronger client relationships through better service delivery
• Competitive differentiation in a crowded market

With results like these across thousands of firms and hundreds of thousands of SMBs, MyUnisoft's approach offers a blueprint for the future of embedded financial services.

The future vision: Exploring partnership potential

The partnership between MyUnisoft and Swan envisions extending well beyond their current integration. Potential future capabilities include direct debits, mobile payment solutions, and expanded financial services, all guided by market needs rather than a rigid roadmap.

“We want to go as far as possible: Tap to Pay, stronger direct debits, and exploring factoring — every step that simplifies the financial journey, we want to take.” — Grégoire Leclercq, CEO at MyUnisoft

But the approach remains the same: embedded, not added. Mobile-first, not desktop-adapted. Firm-branded, not platform-branded.

The takeaway: Transforming accounting through embedded banking

MyUnisoft's transformation demonstrates what happens when robust banking infrastructure meets clear vision and rapid execution. In three months, they moved from traditional accounting software to a comprehensive, mobile-first financial platform that puts accounting firms in the spotlight.

The real innovation isn't just technological, it's transformational:

• Breaking down silos: Financial operations become fluid rather than fragmented
• Elevating accountants: From bookkeepers to strategic financial partners
• Empowering SMBs: Enterprise-grade financial tools that respect their unique needs

This approach represents the future of financial services: not as separate products, but as embedded capabilities that enhance core business operations.

When banking infrastructure seamlessly integrates into the background, accounting transforms into a strategic business driver.