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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.

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Cybersecurity

National Campaign against Online Frauds

Recognising the scale and growing sophistication of fraud, the ABBL and its Foundation took the initiative to launch a first national campaign in close collaboration with the LHC.

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Retail Banking

Bank Account Opening

At the ABBL, we recognize this challenge of bank account opening and are actively working to make the process simpler, more transparent, and accessible for all types of legal entities operating in Luxembourg.

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ABBL Institutional

40 Proposals for a Smarter Regulation

In its new paper, the ABBL outlines five key policy areas where improvements could significantly enhance the efficiency and effectiveness of the EU regulatory framework.

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ABBL - The Luxembourg Bankers' Association

Empowering Global Competitiveness, Advancing Prosperity.

At the heart of Europe, Luxembourgโ€™s 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.

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ABBL

Published on 20.01.2026

๐—™๐—น๐—ฒ๐˜…๐—ถ๐—ฏ๐—ถ๐—น๐—ถ๐˜๐˜†, ๐˜๐—ฟ๐—ฎ๐—ถ๐—ป๐—ถ๐—ป๐—ด ๐—ฎ๐—ป๐—ฑ ๐˜€๐—ธ๐—ถ๐—น๐—น๐˜€-๐—ฏ๐—ฎ๐˜€๐—ฒ๐—ฑ ๐—ต๐—ถ๐—ฟ๐—ถ๐—ป๐—ด ๐—ฎ๐—ฟ๐—ฒ ๐—ป๐—ผ ๐—น๐—ผ๐—ป๐—ด๐—ฒ๐—ฟ ๐—›๐—ฅ ๐—ฏ๐˜‚๐˜‡๐˜‡๐˜„๐—ผ๐—ฟ๐—ฑ๐˜€, but concrete priorities for the banking sector.

As part of Paperjamโ€™s FutureOfWork interview series, Myriam Sibenaler, Head of Human Resources at ABBL, shares three realistic HR priorities for 2026:

๐Ÿ”น adapting the regulatory framework to better support flexible work
๐Ÿ”น making training a genuine right and a shared responsibility
๐Ÿ”น recruiting based on skills, potential and human qualities

In a constantly changing world of work, ๐˜€๐˜‚๐˜€๐˜๐—ฎ๐—ถ๐—ป๐—ฎ๐—ฏ๐—น๐—ฒ ๐—ฒ๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—ฎ๐—ฏ๐—ถ๐—น๐—ถ๐˜๐˜† has become a key driver of both quality of working life and long-term performance.

๐Ÿ‘‰ 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

ABBL

Published on 20.01.2026

Full house for our joint workshop with Partnership for Carbon Accounting Financials (PCAF) on ๐—ฐ๐—ฎ๐—ฟ๐—ฏ๐—ผ๐—ป ๐—ฎ๐—ฐ๐—ฐ๐—ผ๐˜‚๐—ป๐˜๐—ถ๐—ป๐—ด ๐—ณ๐—ผ๐—ฟ ๐—ฏ๐—ฎ๐—ป๐—ธ๐˜€! 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:
๐Ÿ”น took a deep dive into the PCAF framework, including the latest updates and upcoming workstreams
๐Ÿ”น worked through hands-on calculation examples covering sovereigns, commercial real estate, mortgages and avoided emissions
๐Ÿ”น heard a testimony from Spuerkeess, a PCAF member since 2022, sharing implementation lessons learned

This workshop was organised following a request from the ABBLโ€™s Sustainability Committee, to support members in strengthening consistency and comparability in ๐—ฐ๐—ฎ๐—ฟ๐—ฏ๐—ผ๐—ป ๐—ฎ๐—ฐ๐—ฐ๐—ผ๐˜‚๐—ป๐˜๐—ถ๐—ป๐—ด 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

ABBL

Published on 20.01.2026

๐—ช๐—ต๐—ฎ๐˜ ๐—ต๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ป๐˜€ ๐˜„๐—ต๐—ฒ๐—ป ๐—ฏ๐—ฎ๐—ป๐—ธ๐˜€ ๐—ฎ๐—ป๐—ฑ ๐—™๐—ถ๐—ป๐—ง๐—ฒ๐—ฐ๐—ต๐˜€ ๐—บ๐—ฒ๐—ฒ๐˜ ๐—ณ๐—ฎ๐—ฐ๐—ฒ ๐˜๐—ผ ๐—ณ๐—ฎ๐—ฐ๐—ฒ? Last Thursday evening at Banque Raiffeisen, the answer unfolded at ๐—”๐—•๐—•๐—Ÿโ€™๐˜€ ๐—•๐—ฎ๐—ป๐—ธ ๐—–๐—˜๐—ข๐˜€ ๐—ฎ๐—ป๐—ฑ ๐—™๐—ถ๐—ป๐—ง๐—ฒ๐—ฐ๐—ต๐˜€ ๐—ฆ๐—ฝ๐—ฒ๐—ฒ๐—ฑ ๐— ๐—ฒ๐—ฒ๐˜๐—ถ๐—ป๐—ด, bringing together ๐—ฎ๐—ฟ๐—ผ๐˜‚๐—ป๐—ฑ ๐Ÿญ๐Ÿฌ๐Ÿฌ ๐—ฑ๐—ฒ๐—ฐ๐—ถ๐˜€๐—ถ๐—ผ๐—ป-๐—บ๐—ฎ๐—ธ๐—ฒ๐—ฟ๐˜€ from across Luxembourgโ€™s financial ecosystem.

In just a few hours:
โ€ข banks and FinTechs exchanged openly on concrete use cases and operational needs
โ€ข cooperation stories were shared, including insights from the ๐—–๐—ฎ๐˜๐—ฎ๐—ฝ๐˜‚๐—น๐˜: ๐—•๐—ฎ๐—ป๐—ธ๐—ง๐—ฒ๐—ฐ๐—ต โ€“ ๐——๐—ฒ๐—ฝ๐—ผ๐˜€๐—ถ๐˜๐—ฎ๐—ฟ๐˜† ๐—•๐—ฎ๐—ป๐—ธ๐—ถ๐—ป๐—ด ๐—˜๐—ฑ๐—ถ๐˜๐—ถ๐—ผ๐—ป, delivered in collaboration with The LHoFT - Luxembourg House of Financial Technology
โ€ข Advanzia Bank S.A. illustrated how innovation partnerships work in practice
โ€ข a ๐˜€๐˜๐—ฟ๐˜‚๐—ฐ๐˜๐˜‚๐—ฟ๐—ฒ๐—ฑ ๐˜€๐—ฝ๐—ฒ๐—ฒ๐—ฑ-๐—บ๐—ฒ๐—ฒ๐˜๐—ถ๐—ป๐—ด ๐˜€๐—ฒ๐˜€๐˜€๐—ถ๐—ผ๐—ป enabled short, business-oriented one-to-one discussions
โ€ข conversations continued during a networking cocktail

The format was intentionally simple and efficient, with ๐˜€๐—ต๐—ผ๐—ฟ๐˜ ๐—บ๐—ฒ๐—ฒ๐˜๐—ถ๐—ป๐—ด๐˜€, ๐—ฐ๐—น๐—ฒ๐—ฎ๐—ฟ ๐—ฟ๐˜‚๐—น๐—ฒ๐˜€, and a strong focus on ๐—ป๐—ฒ๐—ฒ๐—ฑ๐˜€, ๐˜€๐—ผ๐—น๐˜‚๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐—ฎ๐—ป๐—ฑ ๐—ฝ๐—ผ๐˜๐—ฒ๐—ป๐˜๐—ถ๐—ฎ๐—น ๐—ณ๐—ถ๐˜.

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 ๐Ÿ‡บ๐Ÿ‡ฆ | Sarah Odru | Laurent Zahles | Brenda Bol | Alex Panican | Melanie Moos, CFA | Nishant Fafalia | Jacques PรœTZ | Banque Raiffeisen | The LHoFT - Luxembourg House of Financial Technology | Cecabank | Depowise | Advanzia Bank S.A.

ABBL SpeedMeeting FinTech Banking Innovation Collaboration LuxembourgFinance

ABBL

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. ๐—–๐—ฟ๐—ฒ๐—ฎ๐˜๐—ถ๐—ป๐—ด ๐˜‚๐—ฟ๐—ด๐—ฒ๐—ป๐—ฐ๐˜† ๐—ฟ๐—ฒ๐—บ๐—ฎ๐—ถ๐—ป๐˜€ ๐—ผ๐—ป๐—ฒ ๐—ผ๐—ณ ๐˜๐—ต๐—ฒ ๐—บ๐—ผ๐˜€๐˜ ๐—ฐ๐—ผ๐—บ๐—บ๐—ผ๐—ป ๐˜๐—ฎ๐—ฐ๐˜๐—ถ๐—ฐ๐˜€.

A few practical reflexes can significantly reduce the risk:
๐Ÿ”น Avoid accessing your bank through links received by email or text message
๐Ÿ”น Use your bankโ€™s official app or type the website address yourself
๐Ÿ”น If a request appears unusual or urgent, take a moment to verify it through an official channel

In addition, the ๐˜๐˜ฐ๐˜ฏ๐˜ฅ๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ˆ๐˜‰๐˜‰๐˜“ ๐˜ฑ๐˜ฐ๐˜ถ๐˜ณ ๐˜ญโ€™๐˜ฆฬ๐˜ฅ๐˜ถ๐˜ค๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ง๐˜ช๐˜ฏ๐˜ข๐˜ฏ๐˜ค๐˜ช๐˜ฆฬ€๐˜ณ๐˜ฆ, in collaboration with the Luxembourg Tech School (LTS), developed โ€œ๐—ฆ๐—ฒฬ๐—ฐ๐—ต๐—ฒ๐—ฟ ๐—ฎ๐—บ ๐—œ๐—ป๐˜๐—ฒ๐—ฟ๐—ป๐—ฒ๐˜โ€, 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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๐Ÿ‡ฑ๐Ÿ‡บ 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

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