Finologee
Luxembourg-based FinTech/RegTech founded in 2017 providing SaaS platforms for multi-bank connectivity (Banking Orchestrator), KYC/AML compliance (KYC Manager), and regulatory APIs (PSD2/PSD3, CEDRS, VOP) to 90+ financial institutions, asset servicers, and insurers across nine European countries.
- Company typePrivate
- Founded2017
- HeadquartersLeudelange, Luxembourg
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Finologee does
Finologee S.A. is a Luxembourg-based, privately held FinTech and RegTech operator founded in 2017 by Raoul Mulheims (CEO), Georges Berscheid (CTO), and Jonathan Prince (CSO), three entrepreneurs with prior Luxembourg digital-finance ventures Mpulse (2006) and Digicash (2012). The company runs a Support PFS-regulated platform (licence No. 06/19, granted January 2019) delivering three integrated product pillars to financial institutions: Banking Orchestrator (BKO, formerly LYNKS/ENPAY) for multi-bank connectivity, payment routing, and reconciliation across SWIFT, EBICS, and SFTP; KYC Manager, a SaaS compliance platform for client onboarding, KYC/AML lifecycle management, and risk scoring (developed in a 2020 joint venture with Harmoney); and Regulatory APIs supporting PSD2/PSD3, CEDRS, and Verification of Payee (VOP), with Berlin Group and STET standards and white-label deployment.
The technology stack is Java/Spring Boot on Kubernetes/Docker with Angular frontends, hosted on AWS hybrid cloud, with IBM API Connect, Keycloak IAM, Jenkins CI/CD, and Prometheus/Grafana/Elastic monitoring. Finologee is ISO/IEC 27001:2022 certified, SWIFT CSP certified, and operates a DORA-ready framework. The company integrates with SWIFT (including payment pre-validation), Gresham Control for depositary reconciliation, IDnow for identity verification, and PEPPOL for e-invoicing, and is embedded into partner platforms fundcraft, Hatcher+ FAAST, and Fund Channel.
The business model is enterprise SaaS with annual subscription contracts and a managed-services Support PFS component, sold via direct field sales (CSO-led) complemented by Big 4 consulting channels (KPMG Luxembourg and PwC Luxembourg), event-driven demand generation, and embedded partner distribution. Pricing is quote-based and not publicly disclosed. Finologee serves 90+ banks and institutions, 700+ funds, and 35+ banks across nine European countries (LUX, BEL, FRA, DEU, NLD, GBR, IRL, CHE, AUT), with BKO clients administering $3.9 trillion in assets and the platform processing 25 million transactions annually. Headcount is approximately 35-40, with no disclosed external institutional funding beyond a small 2018 round, indicating a bootstrapped operating model.
Finologee firmographics
Firmographics- Name
- Finologee
- Legal name
- Finologee S.A.
- Website
- https://finologee.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Luxembourg-based FinTech/RegTech founded in 2017 providing SaaS platforms for multi-bank connectivity (Banking Orchestrator), KYC/AML compliance (KYC Manager), and regulatory APIs (PSD2/PSD3, CEDRS, VOP) to 90+ financial institutions, asset servicers, and insurers across nine European countries.
- Ownership category
- akta.pro rank
Finologee industry classification
Industry- Product category
- Financial Technology Software (RegTech/FinTech)
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)
- akta.pro secondary industries
- Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
Keywords
Where Finologee is headquartered
LocationHeadquarters
- HQ city
- Leudelange
- HQ country
- Luxembourg
- HQ region
- Europe
Offices1 record
Markets served
Finologee business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales
Revenue model
- SaaS Subscription - Banking Orchestrator: SaaS subscription model for Banking Orchestrator platform providing bank connectivity, payments management, and data exchange services. Deployed as managed service with SLA support.
- SaaS Subscription - KYC Manager: Subscription-based KYC/AML compliance platform for client onboarding, workflows and operations. Supports modular architecture with automation and regional customizations.
- Regulatory APIs - PSD2/PSD3 Compliance: API services for PSD2/PSD3 compliance including access-to-account portal, TPP management, and regulatory reporting. White-labelled access running under bank's own brand.
- Managed Services - Support PFS: Regulated financial services professional under Support PFS licence. Provides customer care, service level agreements, product and project delivery support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise SaaS platform - pricing available upon request |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels7 records
Finologee product offering
Product offeringCore offering
Finologee operates a modular digital finance platform for banks, asset servicers, funds, insurers, and corporates, organized around three pillars: Banking Orchestrator (BKO) for multi-bank connectivity, payment management, and reconciliation via SWIFT, EBICS, and SFTP; KYC Manager for client onboarding, risk scoring, and AML compliance; and Regulatory APIs for PSD2/PSD3, CEDRS, and Verification of Payee (VOP) compliance. The platform is delivered as SaaS with API-first architecture and white-label deployment options.
Product overview
Finologee is a Luxembourg-based digital finance platform operator offering a modular platform-plus-products architecture for the financial industry. The core portfolio comprises three main pillars: Banking Orchestrator (BKO) for multi-bank connectivity and payment management, KYC Manager for regulatory compliance and client onboarding, and Regulatory APIs for PSD2/PSD3, CEDRS, and VOP compliance. These products are complemented by specialized modules including PSD2/PSD3 compliance, CEDRS reporting, Verification of Payee (VOP), and PEPPOL e-invoicing. The company also operates related services Digicash and Mpulse for mobile payments and telecom routing.
Differentiator
Problem solved
Functional benefit
Brands
- Banking Orchestrator (BKO): Financial industry-compliant SaaS platform for bank connectivity, streamlined data exchange and control. Formerly known as LYNKS.
- KYC Manager
- Regulatory APIs
Products and services
- Banking Orchestrator (BKO) Financial industry-compliant SaaS platform for bank connectivity, streamlined data exchange, and payment control. Formerly known as LYNKS/ENPAY. Enables organizations to manage, automate, route and supervise payments and bank-data flows across multiple banks via SWIFT, EBICS, and SFTP protocols, with four-eyes approval workflows, compliant electronic signatures, and automated reconciliation.
- KYC Manager Luxembourg-based SaaS regulatory compliance platform for client onboarding, KYC/AML workflows, and lifecycle operations. Supports automated risk-based reviews, multi-jurisdictional coverage, periodic reviews and remediation, adverse media screening, and modular architecture with regional customizations.
- Regulatory APIs APIs and supporting services for banks and payment service providers (PSPs) ensuring compliance and interoperability across PSD3, CEDRS, and Verification of Payee (VOP). Includes account information services (AIS), payment initiation services (PIS), managed TPP support, KPI reporting, and supports Berlin Group and STET API standards.
- PSD2/PSD3 Module Compliance module for banks covering PSD2/PSD3 and Payment Services Regulation (PSR) requirements. Includes access-to-account portal, strong customer authentication flows, third-party provider management, and CSSF reporting.
- CEDRS Module Central Electronic Data Retrieval System (CEDRS) compliance module enabling access to and reporting for CEDRS requirements under Luxembourg financial regulations.
- Verification of Payee (VOP) IBAN-name check platform for banks and PSPs to verify payee details and combat payment fraud, including SWIFT payment pre-validation integration.
- PEPPOL Module Module for e-invoicing to public authorities via the PEPPOL network, enabling standardized electronic invoice exchange.
Quantifiable outcome
- 60-70% reduction in effort for reconciliation campaigns through digitising processes with KYC Manager (Hauck & Aufhäuser Administration Services)
- +4 more outcomes
Companies that use Finologee
Customer profileNamed customers15 records
Segments4 records
Ideal customer profiles4 records
Finologee technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature5 records
Finologee partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core.
- Fund ChannelcoreExpansion of collaboration focused on KYC/AML data mutualisation. Fund Channel, B2B fund distribution platform jointly owned by Amundi and Caceis, implementing mutual data exchange amongst clients with counterparty consent. Enhances security on personal data.
- KPMG LuxembourgcoreJoint analysis with KPMG Luxembourg on upcoming regulatory changes including AMLA operationalization, eIDAS 2.0, and new RTS on KYC data. Outlines need for European financial institutions to shift from process-based to data-driven KYC compliance.
- Hatcher+coreIntegration of Finologee's banking connectivity platform into Hatcher+'s FAAST marketplace for fund managers. Streamlines bank account management, payments, and reconciliations with plans to add European e-invoicing capabilities. Provides single channel for cash visibility, payment initiation, and account reconciliation.
- IDnowcoreIntegration of KYC Manager with IDnow's automated identity verification technology. Helps banks and payment institutions adapt to eIDAS 2.0, AMLD6, and DORA regulations through modular architecture, automation, and regional customizations. Facilitates faster market entry and efficient onboarding.
- KPMG LuxembourgcoreJoint offering combining consultancy and technology for KYC/AML compliance. KPMG provides advisory services while Finologee's KYC Manager delivers automation. Aims to automate customer onboarding and monitoring while integrating regulatory and organizational issues.
- fundcraftcoreStrategic integration with Europe's leading digital fund operations provider. BKO connects to virtually any bank globally across cash and securities accounts. Phase 1 delivers unified cash and securities visibility, automated reconciliation. Phase 2 enables payments fully managed within fundcraft platform.
- PwC LuxembourgcoreNew partnership announced in June 2025. Collaboration on digital finance initiatives and regulatory compliance solutions.
- GreshamcoreStrategic partnership to integrate Gresham's Control platform into Banking Orchestrator for automated depositary reconciliation. Solves multi-custodian data management challenges for insurance companies, central administrators, asset servicers, and fund managers. Automates ingestion and validation of custodian reporting data across SWIFT, ISO 20022, CSV, and Excel formats.
- HarmoneycoreJoint venture established in 2020 for KYC Manager product. Combines Finologee's platform expertise with Harmoney's capabilities for digital customer lifecycle management.
Scale indicators10 records
Recent moves16 records
Expansion highlights8 records
Finologee competitors and assessment
Company assessmentDirect peers
- Tink: European open banking and PSD2 API platform owned by Visa, providing account aggregation, payment initiation, and variable recurring payments. Directly comparable to Finologee's Regulatory APIs pillar, with similar Berlin Group/STET standards alignment and banks-as-customers go-to-market.
- Fenergo: Specialist in KYC/AML client lifecycle management for financial institutions, covering onboarding, perpetual KYC, and regulatory compliance. Directly comparable to Finologee's KYC Manager product, with similar tier-1 bank client base and SaaS delivery model.
- Token: Open banking and account-to-account payment platform serving banks and corporates via PSD2 APIs. Similar scope to Finologee's Regulatory APIs and Banking Orchestrator, with shared customers in European banking.
- Yapily: Open banking infrastructure providing account information and payment initiation APIs under PSD2. Comparable to Finologee's Regulatory APIs pillar, with similar Berlin Group alignment and pan-European bank connectivity.
- Salt Edge: Open banking and financial data aggregation platform offering multi-bank connectivity APIs. Comparable to Finologee's Banking Orchestrator concept, with shared PSD2/challenge of serving fintechs and financial institutions across Europe.
- Onfido: Automated identity verification provider for KYC/AML onboarding, integrated by banks and PSPs. Comparable to Finologee's KYC Manager (and a peer to Finologee's own IDnow integration partner), competing for the same client identity-verification budget.
- Banking Circle: Payment orchestration and banking-as-a-service infrastructure for financial institutions and corporates. Comparable to Finologee's Banking Orchestrator and payment infrastructure positioning, with overlapping multi-bank and SWIFT connectivity capabilities.
- Currencycloud: Cross-border payment orchestration and FX infrastructure platform owned by Visa. Comparable to Finologee's Banking Orchestrator payment workflows, with similar financial-institution customer base and SWIFT/PSD2 integration requirements.
Broad incumbents
- Temenos: Large established global core banking platform vendor serving retail, corporate, and wealth management banks. Adjacent to Finologee's offerings with broader scope; competes for the same IT modernization and PSD3/DORA compliance budgets at Tier-1 European banks.
- Worldline: Major European payment processor and merchant acquirer with a broad fintech infrastructure portfolio including PSD2 APIs and KYC tooling. A larger incumbent offering overlapping capabilities to Finologee's Banking Orchestrator and Regulatory APIs across European markets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Finologee social profiles
Digital presenceFinologee compliance and trust
Trust signalCompliance4 records
Finologee financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finologee leadership team
Management profileNumber of profiles
Profiles7 records
Finologee funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finologee M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finologee
What does Finologee do?
Finologee operates a modular digital finance platform for banks, asset servicers, funds, insurers, and corporates, organized around three pillars: Banking Orchestrator (BKO) for multi-bank connectivity, payment management, and reconciliation via SWIFT, EBICS, and SFTP; KYC Manager for client onboarding, risk scoring, and AML compliance; and Regulatory APIs for PSD2/PSD3, CEDRS, and Verification of Payee (VOP) compliance. The platform is delivered as SaaS with API-first architecture and white-label deployment options.
Is Finologee a public or private company?
Finologee is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Finologee founded?
Finologee was founded in 2017. It employs 11 to 50 people.
Where is Finologee based?
Finologee is headquartered in Leudelange, Luxembourg, in the Europe region.
How does Finologee make money?
Four revenue lines are on record. SaaS Subscription - Banking Orchestrator is the primary driver. The others are saaS Subscription - KYC Manager, regulatory APIs - PSD2/PSD3 Compliance and managed Services - Support PFS.
Who are Finologee's main competitors?
Direct peers on record are Tink, Fenergo, Token, Yapily, Salt Edge, Onfido, Banking Circle and Currencycloud. Broad incumbents are Temenos and Worldline.
Does Finologee have an API?
Yes. Finologee provides Regulatory APIs and supporting services for banks and PSPs ensuring compliance and interoperability across PSD3, CEDRS and VOP. The API platform includes account information services (AIS) and payment initiation services (PIS). The platform supports Berlin Group and STET API standards, includes managed TPP support, KPI reporting, and is integrated with SWIFT's payment pre-validation solution. SWIFT pre-validation APIs provide live gateway to verify and validate accurate payment information, checking whether beneficiary accounts are open and ready to receive funds. Developer documentation is at finologee.com/regulatory-apis.
What industry is Finologee in?
Finologee's product category is Financial Technology Software (RegTech/FinTech). Its primary akta.pro industry code is FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking), with a secondary code of FSAGACAG, Transaction Analytics & Cash-Flow Insights (risk signals, forecasting). Its NAICS code is 522320 and its SIC code is 6199.