In this episode, I sit down with Sir Gabriel Holbach, partner and CPO at 0to9.

Sir Gabriel Holbach is Partner & Chief Product Officer at 0TO9, where he helps founders turn early-stage ideas into scalable, user-centered fintech products. With over 13 years of experience in product design, UX strategy, and digital brand development across fintech, healthtech, and SaaS, he combines creative vision with operational precision.

Before joining 0TO9, Gabriel co-founded Penta (today Qonto), one of Europe’s leading SME-focused digital banks, where he led product design from MVP to 50,000+ users. He built and scaled design teams, managed agile squads, and developed a cohesive user journey from onboarding to dashboard through a reusable design system. Later, at Index Health, he led UX strategy and design systems, improving product–market fit to 68% and reducing customer acquisition costs by 66%.

0TO9 is a fintech venture builder and investor aiming to launch 1,000 profitable European fintechs by 2045. Founded in Sweden in 2025, the company provides entrepreneurs with capital, compliance, talent, technical, and operational support needed to start and scale licensed financial companies in months rather than years. 0TO9 operates under European financial services licences, allowing its portfolio companies to launch regulated financial products immediately.

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