WHAT WE DO
Speeding up FinTech Apps, services & partners
- Finologee Apps for digital identification, SDDs with e-mandates, multi-channel messaging and PSD2 compliance for banks
- The FinTech Acceleration Platform, enabling cutting-edge FinTech Apps to be built, tested, operated and hosted
OUR PRODUCT OFFER
FINOLOGEE Apps
Identify & Consent App
Compliant digital KYC Process automation & 3rd Party FinTech service aggregation
White-labelled aggregation product for the financial services industry, insurance companies and telcos to remotely on-board and identify customers, get info, documents and e-signatures, using a compliant selection of partner FinTech services and a state-of-the art business process management setup.
SEPA Direct Debit App
SDD digital mandates with electronic signature by end-users & batch SDD orders
Let end-users sign digital mandates using third party signature providers (Luxtrust & others), integrate with smart messaging scenarios and billing optimisation procedures using other Finologee Apps & run batch jobs for SDD billing with custom rule set (monitoring, error handling, retry strategies)
Multi-Channel Messaging App
Send & receive SMS messages and use additional channels through our gateway
High-performance compliant messaging infrastructure handling SMS, push, email and automated voice messaging, with smart routing features, direct connections to Luxembourg mobile operators and international gateways
PSD2 Access to Account App
PSD2 compliance for banks using a single connection to bank systems
Ready-to-use environment for API access management of AISPs and PISPs, with an authentication stack (implementing various third-party solutions incl. Luxtrust) for SCA and consent lifecycle management, multiple standards (STET, Berlin Group, UK Open Banking), a developer/TPP sandbox, filtering/quota management and high flexibility for bank connectors
- THE FOUNDATION WE BUILD ONFinTech Acceleration Platform
High-performance infrastructure to host, aggregate, market, operate and expose Finologee Apps and 3rd party FinTech products, with API gateway, billing system & hybrid cloud, under a full Luxembourg FSP licence.
Technical Infrastructure
High-performance infrastructure built on state-of-the-art components
- Services aggregation engine
- Authentication stack compatible with 3rd party products
- API gateway
- Developer portal & sandbox
- Statistics, management & configuration
Revenue & Monetisation
Billing & monetisation engine enabling partners to maximise revenues
- API usage-based charging
- Product operations, maintenance, support billing to clients for partner Apps
- Statistics & reports
- Product catalogue for exposed products, services, APIs
FSP Licence
Platform, components & hosted Apps operations under Luxembourg FSP licence (regulator approval pending)
- Due-diligence and continued monitoring of 3rd party/partner Apps
- Easy outsourcing by financial industry professionals
- Operations & management of 3rd party products under 'Support FSP' licence
FinTech Product Hosting
High-availability FinTech product hosting setup in partnership mode, operated with Clearstream
- Operated by Clearstream with Luxembourg FSP licence
- Virtualisation environment in Clearstream data centres
- Variety of SLAs
- Compliant public cloud setup (available soon)
CROSS-INDUSTRY & MULTI-DISCIPLINARY EXPERTISE
At the crossroads of information technology, regulatory compliance and user experience design
IT & transactional platforms
We build and operate state-of-the-art digital hubs for easy interconnection ... in the cloud.
Regulatory compliance
Financial services & telecoms regulatory compliance is inherent ... by design.
Both banks and telecom operators rely on the platforms and services we built. We fully master legal requirements for retail financial & telecoms services in-house and we design products accordingly.
User experience
Customers have to like it or they won't use it ... it's as simple as that.
Without a great UX, don't go live in today's fully digital world. All products should be designed around the customer journey. And we know that most of the times it is foremost about the little things, they make the difference.
WHO WE ARE
The founders
Raoul Mulheims
Georges Berscheid
Jonathan Prince
Co-founder of Digicash. In charge of sales & partnerships. Procurement expert degree, fluent in EN and FR. French & British national.
ABOUT US
It's been quite a journey
The all-digital beginnings
Nvision & Mpulse (1999 & 2006)
Raoul co-founded Nvision, a digital agency, in 1999. Then both Raoul and Georges co-founded Mpulse, a telecoms messaging, routing and micro-payments specialist company in 2006. Jonathan joined Mpulse in 2010. and helped establishing Mpulse France. Today, Nvision is one of the leading agencies in Luxembourg, and Mpulse Luxembourg handles over 90% of Premium SMS payments and high-end routing in the country. Mpulse France was acquired in 2015 by Dimoco, one of the leading European carrier-billing specialists. Raoul, Georges and Jonathan still co-own and manage Mpulse Luxembourg today.
Hello financial industry
Digicash (2012)
Micro-payments was not enough for them, doing real payments was the goal. So, Raoul, Georges and Jonathan co-founded Digicash Payments in 2012 and got a full EU payment institution license. Digicash became the Luxembourg banks' mobile payment product, with 5 issuing banks and over 20% of the population using the App. The founders made their first major exit when Digicash was acquired by Payconiq (backed by ING & KBC) in August 2017.
And now let's focus
Finologee (2017)
finologee is at the apoGEE of the founders' expertise in both techNOLOGy and user experience design brought into creating great digital platforms, products and consumer journeys for FINancial products. We love improving - definitely, we think digital - absolutely, we make it compliant - most certainly. This is our contribution to the new and fully digital world of financial services, ecosystems, aiming for the fully-fledged API-economy.
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