ICT solutions that are secure, compliant and trustworthy are a core component of the financial, legal and insurance sectors. 

They’re also within the fabric of the work we do. Our research surrounds cybersecurity, blockchain, artificial intelligence, and machine learning, alongside many other areas, as we help to develop the financial tools of tomorrow.

We are your FinTech experts

Financial services is the key sector within the Luxembourg economy, and has been progressively undergoing a digital transformation. Over the last few years, FinTech has revolutionised the industry, forcing an interlacing of traditional business approaches with innovative, cutting-edge technologies. With its vibrant ecosystem of financial institutions, research and development centres and companies specialising in advanced technologies have propelled Luxembourg’s reputation as an emerging FinTech hub.

SnT plays an active role in supporting the FinTech sector through research, technology transfer and education. Throughout the years, we have worked closely with banks, insurance companies, FinTechs and the financial regulator to bring innovative solutions to financial services.

Luxembourg Where Innovation Meets Finance


  • Rich and supportive business environment, the perfect gateway to the EU for international FinTechs.


  • Tech friendly regulatory environment helps FinTech projects to flourish.


  • Home to many FinTech activities: DLT technologies, InsurTech, RegTech, mobile payments, security, and more.


  • The largest investment fund centre in Europe, and the second largest in the world after the USA.

FinTech Highlights

Changing the Banking Experience with Decentralised Finance

One day your virtual avatar in the metaverse could not just attend concerts and go shopping, but also meet with your banker. Endless digital forms have become synonymous with today’s more complex banking processes, with constant signatures for know your customer (KYC) regulations being only one example. But the metaverse offers the opportunity to transform the banking experience, by delivering an immersive experience that integrates financial solutions.


Stepping Towards a Post-Quantum World

Quantum technology opens up transformative possibilities in computing, communication, sensing and many others – some of which we are only now starting to realise. But, like all technologies, it has its dark side: quantum computing will undermine much of modern cryptography, and with this the security and reliability of the internet.


Fighting Financial Fraud with Privacy-Compliant AI

Having your credit card stolen is a very frustrating experience, and sadly, one that many can relate to. In 2019 alone, fraudulent transactions involving credit cards issued in Europe accounted for €1.87 billion – a staggering amount, and one that is only expected to increase as online shopping grows. With its advanced capability to analyse large amounts of data and create forecasts, artificial intelligence (AI) could provide financial institutions with significant help in fighting fraud. However, using AI to detect financial crimes requires access to sensitive data, which raises concerns about data privacy and security. That’s where federated learning comes in.


A Secure Payment System for the Metaverse

In countless offices worldwide, a new world is taking shape: the metaverse. Beyond the buzz, this virtual universe is being built as we speak, with environments that feel very immersive and real, and that will expand our online experiences. If the internet has taught us anything, it’s that online environments can change our lives. It is only fair to assume that a virtual reality has an even bigger potential to do so. 


FinTech Partners

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