In this episode of Twice ✌️, Thibaud Elzière sits down with Jean‑Daniel Guyot, an entrepreneur unafraid of massive challenges.
After revolutionizing train ticket booking with Captain Train — later acquired by Trainline — he’s now tackling a new frontier: building a bank from scratch with Memo Bank. Jean‑Daniel shares his approach to innovation, the lessons learned from his previous ventures, and why he chose to completely rethink the banking system to better serve European SMEs.
It’s a fascinating conversation about ambition, resilience, and the ability to spot opportunities where others see only obstacles.
We talk about:
Captain Train: its creation, challenges, and success
Negotiating the sale to Trainline
Life after an exit: does money fuel or hinder ambition?
Hiring and compensation mistakes — and what he’d do differently
The importance of user experience and the power of software
What really motivated the creation of Memo Bank
Building a European bank — and why no one had done it before
