Introduction
Tot: your company's digital ally
Q: As an entrepreneur, do you feel your business is sufficiently digital? Would you say you're ahead of the curve, in line with others, on late, or still fairly traditional?
Chances are, you'd place yourself in one of two groups: either you consider yourself an innovator, or you feel you're keeping pace with the average Italian business.
According to the European Commission, Italian companies aren't actually doing too bad. There's a Digital Integration Index that places Italy no. 8 in Europe, largely thanks to our widespread adoption of e-invoicing (we're no. 1 in Europe, with a stunning 95% adoption rate), cloud services (52% vs. the EU27 average of 34%), and the percentage of SMEs with basic "digital intensity" (60% vs. the EU average of 55%).
But digital isn't just about technology, hardware, or machines: it's also about tools that support better decisions, streamline operations, and boost efficiency – tools that lighten entrepreneurs' daily workload.
When we founded Tot, we ourselves began dealing with the same bureaucratic challenges other entrepreneurs face. And we still face them, every single day. We know the problems, and we know how to solve them. That's why we've spent the last 3 years working to ease the daily grind and give you back time to focus on what you do best: running your business.
Q: Isn't doing the same tasks digitally just shifting the burden to another channel, not really simplifying anything?
Tot lets you open a business account completely online. No paperwork and no personal contact. During our very first year, we worked hard to make the onboarding process truly simple and immediate. Today, you can submit your application in just 10 minutes, if you've got all the right documents ready. That saves you time, and within just a few days, your account is up and running – no risk of it being unexpectedly closed due to missing paperwork. That alone is a huge advantage.
Q: My incumbent bank already offers this service, though. It's called online banking, and that's kind of enough for me.
Sure, but has your bank made it easy for you to use? Have they thought about how many clicks it takes to make a bank transfer? And when you fill in a tax form, does it feel like you need a degree in quantum physics just to avoid making a mistake?
At Tot, this is exactly what we focus on: taking the friction out, making your life simpler, saving you time, and building a platform that's genuinely easy to use. Because when tech is complicated, it's not helpful – it just makes things worse.
Q: At the end of the day, aren't you just an account with a card?
Not exactly. Tot is an all-inclusive business management platform. Sure, an Italian bank account and a payment card are included in the package, but they were just the beginning.
We've added innovative tools designed to give you something even more valuable: time. Time to spend on what matters: whether that's growing your business, leading your team, or enjoying life with family.
Our admin tools help speed up everything from payments (like one-click instant invoice payment, or scheduling their payments), to the automatic matching of invoices and transactions. With income and expenses on one side, and your invoices on the other, our smart algorithms link payments with invoices – so reconciliation becomes a quick check, not a chore.
Q: You don't know what I actually need to better run my business.
One of the first things we did after launching Tot was listening. We built an active community of entrepreneurs who tell us, every day, what they need.
Of course, we can't build everything at once. But this feedback loop is essential to us. It's how we make something useful, evolving the platform day by day, as growing a child: with care and commitment.
And this is only the beginning. We have lots of planned development ahead, and thanks to our community and customers, we're discovering new needs all the time. Working with Tot means building something together – tools that truly help lighten your load and make room for what really matters.