Finologee

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.

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

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

• Banking connectivity software
• KYC compliance platform
• Open banking APIs
• Regulatory technology services
• Payment orchestration software

Headquarters

HQ city

Leudelange

HQ country

Luxembourg

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales

Revenue model

1. 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.
2. SaaS Subscription - KYC Manager: Subscription-based KYC/AML compliance platform for client onboarding, workflows and operations. Supports modular architecture with automation and regional customizations.
3. 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.
4. 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

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core 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

Named customers15 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered core.

• Fund ChannelcoreStrategic or Co-development Partner · 4 June 2026Expansion 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 LuxembourgcoreImplementation/ SI/ Consulting Partner · 9 February 2026Joint 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+coreStrategic or Co-development Partner · 23 November 2025Integration 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.
• IDnowcoreTechnology or Integration · 23 September 2025Integration 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 LuxembourgcoreImplementation/ SI/ Consulting Partner · 16 September 2025Joint 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.
• fundcraftcoreTechnology or Integration · 10 September 2025Strategic 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 LuxembourgcoreStrategic or Co-development Partner · 1 June 2025New partnership announced in June 2025. Collaboration on digital finance initiatives and regulatory compliance solutions.
• GreshamcoreTechnology or Integration · 25 March 2025Strategic 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.
• HarmoneycoreStrategic or Co-development Partner · 1 May 2020Joint 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

Direct 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

• Facebookfacebook.com/finologee
• LinkedInlinkedin.com/company/finologee
• Instagraminstagram.com/finologee_sa
• Xx.com/finologee

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Finologee