Cost of Regulation
The fourth edition of the ABBL / EY Cost of Regulation Survey provides a comprehensive overview of how regulatory requirements affect banksโ cost structures, staffing and strategic priorities.
Empowering Global Competitiveness, Advancing Prosperity.
At the heart of Europe, Luxembourgโs dynamic financial centre drives sustainable growth, empowering businesses to compete globally and fostering long-term prosperity. The ABBL champions this vision by promoting regulated, innovative, and responsible financial services.
260+
corporate members
2,500
experts
85 years
of experience
Published on 20.01.2026
๐๐น๐ฒ๐
๐ถ๐ฏ๐ถ๐น๐ถ๐๐, ๐๐ฟ๐ฎ๐ถ๐ป๐ถ๐ป๐ด ๐ฎ๐ป๐ฑ ๐๐ธ๐ถ๐น๐น๐-๐ฏ๐ฎ๐๐ฒ๐ฑ ๐ต๐ถ๐ฟ๐ถ๐ป๐ด ๐ฎ๐ฟ๐ฒ ๐ป๐ผ ๐น๐ผ๐ป๐ด๐ฒ๐ฟ ๐๐ฅ ๐ฏ๐๐๐๐๐ผ๐ฟ๐ฑ๐, but concrete priorities for the banking sector.
As part of Paperjamโs FutureOfWork interview series, Myriam Sibenaler, Head of Human Resources at ABBL, shares three realistic HR priorities for 2026:
๐น adapting the regulatory framework to better support flexible work
๐น making training a genuine right and a shared responsibility
๐น recruiting based on skills, potential and human qualities
In a constantly changing world of work, ๐๐๐๐๐ฎ๐ถ๐ป๐ฎ๐ฏ๐น๐ฒ ๐ฒ๐บ๐ฝ๐น๐ผ๐๐ฎ๐ฏ๐ถ๐น๐ถ๐๐ has become a key driver of both quality of working life and long-term performance.
๐ Read the full interview on the ABBL website: https://lnkd.in/eW8y9tW7
Many thanks to Paperjam for the collaboration and for hosting this important reflection on the future of work.
FutureOfWork HR Employability Skills Training Flexibility BankingSector
Published on 20.01.2026
Full house for our joint workshop with Partnership for Carbon Accounting Financials (PCAF) on ๐ฐ๐ฎ๐ฟ๐ฏ๐ผ๐ป ๐ฎ๐ฐ๐ฐ๐ผ๐๐ป๐๐ถ๐ป๐ด ๐ณ๐ผ๐ฟ ๐ฏ๐ฎ๐ป๐ธ๐! As expectations around transition plans, disclosures and financed emissions continue to rise, having a common and robust methodology is becoming a practical necessity for banks.
Last Friday, participants:
๐น took a deep dive into the PCAF framework, including the latest updates and upcoming workstreams
๐น worked through hands-on calculation examples covering sovereigns, commercial real estate, mortgages and avoided emissions
๐น heard a testimony from Spuerkeess, a PCAF member since 2022, sharing implementation lessons learned
This workshop was organised following a request from the ABBLโs Sustainability Committee, to support members in strengthening consistency and comparability in ๐ฐ๐ฎ๐ฟ๐ฏ๐ผ๐ป ๐ฎ๐ฐ๐ฐ๐ผ๐๐ป๐๐ถ๐ป๐ด practices.
Thank you to everyone who joined, and to the PCAF team for making this session possible.
Marilyn Rinck | Alexandre Dias |ย Thomas Collin |ย Neyl Loukil-Borrรกs |ย Agnes Louise Bosch van Rosenthal |ย Sara Palmirotta
ABBL PCAF carbonaccounting sustainablefinance netzero
Published on 20.01.2026
๐ช๐ต๐ฎ๐ ๐ต๐ฎ๐ฝ๐ฝ๐ฒ๐ป๐ ๐๐ต๐ฒ๐ป ๐ฏ๐ฎ๐ป๐ธ๐ ๐ฎ๐ป๐ฑ ๐๐ถ๐ป๐ง๐ฒ๐ฐ๐ต๐ ๐บ๐ฒ๐ฒ๐ ๐ณ๐ฎ๐ฐ๐ฒ ๐๐ผ ๐ณ๐ฎ๐ฐ๐ฒ? Last Thursday evening at Banque Raiffeisen, the answer unfolded at ๐๐๐๐โ๐ ๐๐ฎ๐ป๐ธ ๐๐๐ข๐ ๐ฎ๐ป๐ฑ ๐๐ถ๐ป๐ง๐ฒ๐ฐ๐ต๐ ๐ฆ๐ฝ๐ฒ๐ฒ๐ฑ ๐ ๐ฒ๐ฒ๐๐ถ๐ป๐ด, bringing together ๐ฎ๐ฟ๐ผ๐๐ป๐ฑ ๐ญ๐ฌ๐ฌ ๐ฑ๐ฒ๐ฐ๐ถ๐๐ถ๐ผ๐ป-๐บ๐ฎ๐ธ๐ฒ๐ฟ๐ from across Luxembourgโs financial ecosystem.
In just a few hours:
โข banks and FinTechs exchanged openly on concrete use cases and operational needs
โข cooperation stories were shared, including insights from the ๐๐ฎ๐๐ฎ๐ฝ๐๐น๐: ๐๐ฎ๐ป๐ธ๐ง๐ฒ๐ฐ๐ต โ ๐๐ฒ๐ฝ๐ผ๐๐ถ๐๐ฎ๐ฟ๐ ๐๐ฎ๐ป๐ธ๐ถ๐ป๐ด ๐๐ฑ๐ถ๐๐ถ๐ผ๐ป, delivered in collaboration with The LHoFT - Luxembourg House of Financial Technology
โข Advanzia Bank S.A. illustrated how innovation partnerships work in practice
โข a ๐๐๐ฟ๐๐ฐ๐๐๐ฟ๐ฒ๐ฑ ๐๐ฝ๐ฒ๐ฒ๐ฑ-๐บ๐ฒ๐ฒ๐๐ถ๐ป๐ด ๐๐ฒ๐๐๐ถ๐ผ๐ป enabled short, business-oriented one-to-one discussions
โข conversations continued during a networking cocktail
The format was intentionally simple and efficient, with ๐๐ต๐ผ๐ฟ๐ ๐บ๐ฒ๐ฒ๐๐ถ๐ป๐ด๐, ๐ฐ๐น๐ฒ๐ฎ๐ฟ ๐ฟ๐๐น๐ฒ๐, and a strong focus on ๐ป๐ฒ๐ฒ๐ฑ๐, ๐๐ผ๐น๐๐๐ถ๐ผ๐ป๐ ๐ฎ๐ป๐ฑ ๐ฝ๐ผ๐๐ฒ๐ป๐๐ถ๐ฎ๐น ๐ณ๐ถ๐.
Thank you to all banks, FinTechs and partners for the quality of the discussions and the strong engagement throughout the evening!
Yves Stein | Ananda Kautz | Andrey Martovoy ๐บ๐ฆ | Sarah Odru | Laurent Zahles | Brenda Bol | Alex Panican | Melanie Moos, CFA | Nishant Fafalia | Jacques PรTZ | Banque Raiffeisen | The LHoFT - Luxembourg House of Financial Technology | Cecabank | Depowise | Advanzia Bank S.A.
ABBL SpeedMeeting FinTech Banking Innovation Collaboration LuxembourgFinance
Published on 20.01.2026
Fraud attempts are evolving fast. Fake banking websites, phishing messages and CEO fraud schemes are becoming increasingly convincing and can affect both organisations and individuals. ๐๐ฟ๐ฒ๐ฎ๐๐ถ๐ป๐ด ๐๐ฟ๐ด๐ฒ๐ป๐ฐ๐ ๐ฟ๐ฒ๐บ๐ฎ๐ถ๐ป๐ ๐ผ๐ป๐ฒ ๐ผ๐ณ ๐๐ต๐ฒ ๐บ๐ผ๐๐ ๐ฐ๐ผ๐บ๐บ๐ผ๐ป ๐๐ฎ๐ฐ๐๐ถ๐ฐ๐.
A few practical reflexes can significantly reduce the risk:
๐น Avoid accessing your bank through links received by email or text message
๐น Use your bankโs official app or type the website address yourself
๐น If a request appears unusual or urgent, take a moment to verify it through an official channel
In addition, the ๐๐ฐ๐ฏ๐ฅ๐ข๐ต๐ช๐ฐ๐ฏ ๐๐๐๐ ๐ฑ๐ฐ๐ถ๐ณ ๐ญโ๐ฆฬ๐ฅ๐ถ๐ค๐ข๐ต๐ช๐ฐ๐ฏ ๐ง๐ช๐ฏ๐ข๐ฏ๐ค๐ช๐ฆฬ๐ณ๐ฆ, in collaboration with the Luxembourg Tech School (LTS), developed โ๐ฆ๐ฒฬ๐ฐ๐ต๐ฒ๐ฟ ๐ฎ๐บ ๐๐ป๐๐ฒ๐ฟ๐ป๐ฒ๐โ, an educational initiative designed to help people use online banking safely and confidently.
This carousel highlights some of the most common fraud scenarios and the right reflexes to adopt when using digital banking services.
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๐ฑ๐บ This post is part of the national cyberfraud.lu awareness campaign, coordinated by the Luxembourg House of Cybersecurity. It is supported by a broad coalition of partners, including the ABBL, its Foundations, BEE SECURE and CYBERSECURITY Luxembourg, to strengthen cyber fraud prevention across Luxembourg.
Cybersecurity FraudPrevention Banking DigitalSafety Luxembourg CyberAwareness