On 16 March 2026, the ABBL FinTech & Innovation Forum, organised in cooperation with Spuerkeess, brought together a diverse community of banking and FinTech leaders in Luxembourg around the theme “Many Experiences, One Bank”. Jonathan Prince, co-founder and CSO of Finologee, was invited to present during the event, sharing concrete examples of how FinTech platforms are helping banks address compliance, connectivity and client experience challenges.

ABBL and Finologee group photograph
Customer experience as a decisive factor

A central message emerged from the day’s discussions: e-banking and FinTech solutions are increasingly complementary, shaping more seamless and value-adding customer journeys. With the ongoing Great Wealth Transfer, it is said that up to 80% of next-generation clients may reconsider their banking relationships – not because of performance, but because of the quality of the experience.

For banks, this represents both a challenge and an opportunity: digital banking continues to scale at pace and collaboration between banks and FinTechs is becoming a strategic imperative rather than an optional experiment.

One Bank, Many Partners: navigating the collaboration challenge

The panel discussion, “One Bank, Many Partners”, focused on the key challenges that arise when banks and FinTechs work together. Among the themes explored were the tension between building solutions in-house and partnering with external providers, the need to reconcile innovation with governance and regulatory requirements, and how data constraints – often perceived as obstacles – can in fact become drivers of innovation.

At the ABBL, fostering this kind of collaboration remains a priority, notably through initiatives such as the FinTech Circle, which brings together more than 40 affiliates and strengthens the ongoing dialogue between banks and FinTechs.

Finologee's perspective: compliance-first platforms for banks

During his presentation, Jonathan Prince outlined how Finologee’s platforms are addressing real operational challenges for financial institutions. For banks specifically, Finologee’s three solution lines address distinct but interconnected needs:

1. Regulatory APIs: PSD2, PSD3, CEDRS and Verification of Payee

For many banks, meeting the technical requirements of PSD2 (strong customer authentication flows, third-party provider management, CSSF reporting) has been a significant undertaking. Costly in-house builds carry ongoing maintenance burdens and regulatory risk. Finologee’s approach offers a white-labelled access-to-account portal that runs under the bank’s own brand, underpinned by Finologee’s infrastructure. The platform supports Berlin Group and STET API standards, includes managed TPP support and KPI reporting and is already live across more than 35 banks in nine countries. With PSD3 readiness built in and typical deployment timelines of around three months, it is designed to remove complexity rather than add it.

2. KYC Manager: onboarding and lifecycle management across jurisdictions

AML/KYC obligations remain one of the most resource-intensive areas for regulated institutions. Fragmented processes across jurisdictions, manual follow-ups and outdated client data create inefficiencies that compound over time. Finologee’s KYC Manager platform addresses this by centralising client data and screening on a single platform, with automated risk-based reviews and multi-jurisdictional coverage.

3. Banking Orchestrator: multi-bank connectivity and white-label portals

For large-scale asset servicers and fund administrators, managing payments across multiple banks through disparate interfaces, tokens and email-based approvals is a persistent operational challenge. Finologee’s Banking Orchestrator provides a single gateway connecting all banks via SWIFT, EBICS and SFTP, with four-eyes approval workflows, compliant electronic signatures through a mobile app, and automated reconciliation with per-fund daily balance reports. The platform is already serving clients managing over $3.9 trillion in assets under administration across more than 700 funds.

Beyond connectivity, Finologee’s Banking Orchestrator also offers a white-label portal that banks can deploy under their own brand, with eight ready-to-use modules covering payments, dashboards, multi-bank connectivity, counterparty and KYC management, signatory governance, liquidity automation, fund operations and depositary controls. For banks, this creates a daily digital touchpoint with institutional clients, strengthening the house bank relationship while capturing treasury and liquidity revenue.

Why banks choose Finologee

What ties all three platforms together is a consistent approach: each is designed to integrate into existing bank architectures and operating models, rather than requiring institutions to reshape their processes around the technology. Built for Luxembourg law and EU directives from the ground up, Finologee’s infrastructure is backed by a PSF Support licence, ISO 27001 certification and DORA readiness.

Deployment is SaaS-based, with no on-premise infrastructure required. And as a neutral, Luxembourg-built platform with no bank affiliation, Finologee serves more than 90 institutions – including banks, corporates, funds and asset servicers.

To explore Finologee’s full range of capabilities tailored for the banking sector, visit: Solutions for banks.

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