Mpulse operates Luxembourg’s national SMS routing and mobile operator micropayment and direct carrier billing platform as a regulated telecom operator (“entreprise notifiée”) supervised by the Institut Luxembourgeois de Régulation (ILR). The system is live since 2006 and handles over 95% of application to consumer SMS message routing. It is directly connected to all 4 national mobile operators, and also provides international connectivity with its partners. It handles both mass and critical message routing.

Mpulse also provides micropayment features using both SMS text messages (Premium SMS) and Direct Carrier Billing. In essence, Mpulse enables the media, digital content providers, charities and retailers to charge consumers for sums up to 3 Euros via mobile operator bills.

Finologee handles platform operations and development on behalf of Mpulse and exposes some of Mpulse’s products and features as APIs via Finologee’s Trusted FinTech Platform.

Digicash is the Luxembourg retail banks’ (BCEE, BGL BNP Paribas, BIL, POST Finance, ING) mobile payment scheme. It was designed and developed from scratch by Digicash Payments SA, a regulated payment institution holding a EU licence that was established back in 2012 by the founders of Finologee.

In 2017, the company was acquired by Payconiq, the Belgian/Dutch mobile payment operator backed by ING Group and KBC Group. The product has more than 100’000 users (>20% of the population) and processes several hundreds of millions of euros of transactions value a year.

Today, technical platform operations, system and apps development, as well as merchant/bank connectivity and payment triggering devices and implementation are handled by Finologee on behalf of Payconiq.

Leveraging the expertise and knowledge from previous activities at Mpulse and Digicash, the founders team has created a new framework for enhancing the finance product building process, API connectivity, building blocks assembly, regulatory compliance and reporting as well as bank-grade day-to-day operations and client support under the brand name ‘Trusted FinTech Platform’.