Luxembourg is a proven hub for European banking, but launching locally requires more than licensing. New entrants typically need an operating model that stands up to oversight, supports sophisticated corporate and institutional clients, and meets European and Luxembourg-specific obligations with audit-ready execution. Finologee helps banks put these building blocks in place quickly, with proven solutions that can be adopted independently and scaled over time.
Four areas that typically define readiness for banks, electronic money institutions (EMI) and payment institutions (PI) establishing operations in Luxembourg.
Banks/PSPs should plan for technical, time-sensitive obligations that require reliable operations and strong evidence. This includes EU-wide requirements such as PSD2/PSD3, Verification of Payee (VoP) and Luxembourg’s CSSF implementation of EU account-register reporting requirements (CEDRS/CRBA), which can surprise even established EU players.
Corporate and institutional clients expect more than a retail portal with a new label. They look for structured approval journeys, role-based entitlements, clear execution traceability, and liquidity capabilities that support real treasury routines. Getting this right early avoids a capability gap that is difficult to close once clients are live.
Onboarding is only the start. Prepare for ongoing KYC/AML operations: structured data and document collection, risk-based reviews, monitoring, and remediation when files fall out of date. Without a lifecycle approach, compliance effort grows faster than the client base.
Design processes that are repeatable and evidence-based, with clear ownership, structured approvals, and traceability across key compliance and operational workflows. The goal is operational confidence that scales, and documentation that stands up to oversight across key compliance and operational workflows, from KYC/AML to regulatory reporting and verification.
Three product families, each available independently depending on the target operating model and roadmap.
Dedicated API products for PSD2/PSD3, CEDRS (Luxembourg-specific setup), and Verification of Payee, designed to reduce fragmentation and accelerate time-to compliance through one established provider. In addition to these platforms, Finologee can also assist you with choosing the right framework and strategy to structure your CESOP (Central Electronic System of Payment information) reporting.
The high-end choice of private/commercial banks and EMIs/PIs to achieve full PSD2 compliance.
Fully managed technical gateway for Luxembourg banks to share IBAN account & safe-deposit box holder data with the regulator (CSSF Circular 20/747).
EPC‑aligned VOP compliance for Instant Payments & PSD3, delivered Surepay.
A foundation for corporate and institutional servicing, including a bank-branded portal approach, depositary oversight workflows, and operational controls across execution and reporting.
Bank-branded portal with payments, approvals, and cash management capabilities, built for the advanced needs of corporate and institutional clients.
Extend servicing to accounts held at third-party banks, delivered as a standalone portal or embedded within existing corporate and institutional online banking.
A single interface where supervised entities initiate payments and the depositary bank performs ex-ante reviews before execution.
Digital on boarding and ongoing KYC/AML operations across the client relationship lifecycle, including risk scoring, periodic reviews, and remediation campaigns.
Explore detailed capabilities, use cases and workflows across Banking Orchestrator, KYC Manager and Regulatory APIs, or speak with one of our experts about scope and timelines.
Once you submit your details you will receive access.
