Human-centric AI and how to offer a personalised customer experience
Via natural language processing (NLP), speech recognition and machine learning, artificial intelligence (AI) can simulate human intelligence via machines and…
Welcome to Spuerkeess’s finance blog. From credit cards, loans, home buying to investing, our blog provides regular content to keep you in the know!
Via natural language processing (NLP), speech recognition and machine learning, artificial intelligence (AI) can simulate human intelligence via machines and…
Since moving into their first home and undertaking the renovation of their new house, Sophie has developed a passion for interior design. She therefore decided…
Since the introduction of the euro banknotes and coins on 1 January 2002, going on holiday abroad can be a much more spontaneous affair than it was. For most…
“Who in their right mind would want to lease a car?”, “It’s more expensive than buying and you don’t even own the car”, “There are always hidden costs”, “It’s…
You want a new car but without taking a loan? We have different options - choose yours!
We spoke to Thomas Gibon, Researcher in the “Life cycle sustainability assessment” department at the Luxembourg Institute of Science and Technology (LIST) who…
New year, new resolutions! What if you didn't wait too long to take your personal finance resolutions in hand?. After Christmas and the New Year with…
Are you looking for a more spacious car to accommodate your growing family? Or perhaps you’re after a particular model, and want to get a good deal? Whatever…
We live in a fast-paced digital world and, wherever we go, we are reachable 24/7 via our smartphones. Is it possible to be happy whilst constant stress ? We…
Driven by her desire to "make beauty accessible for everyone", Susana Costa created a personalised treatment and wellness programme provided in…
We all need a financial literacy. Teaching children the basics about how money works, its value and why to save it can spare them so much hassle as adults.
A recent independent study, conducted by SIA Partners, named S-Net Mobile the best mobile banking application in Luxembourg. We took the opportunity to talk to…
We spoke to Nasir Zubairi from LhOFT who provided insight and gave five useful tips for CEOs of banks when it comes to FinTech adoption?
In Luxembourg, nearly one in three of the active workforce is a foreigner and almost half of the working population are residents of our neighbouring…
Driven by his passion for baking and his entrepreneurial drive, Simon decided to leave his finance job and start a baking business by creating an inclusive…
What impact does the current energy crisis have on Luxembourg and where is the nation headed in terms of solar energy? We spoke with Sarah Juchems, Head of…
Uncertainty, crises, inflation and the fears of a recession continue to dominate the news. How can you invest securely and why have good old-fashioned term…
Luxembourg has one of the highest smartphone penetration rates in Europe; 94% of the population own a smartphone. According to STATEC, most children in…
Wherever you decide to study, you are automatically entitled to a student grant as well as a student loan! If you are wondering what the next steps are and how…
Since its launch in 2015, S-Net Mobile has been a huge success. Today, almost 1 in 2 customers in the under-30 age group uses its smartphone exclusively to…
For her internship at the end of her university degree, Sophie had the opportunity to spend six months in the US. She had a great time, and was able to…
It's that time of year again when you received the reminder letter from the Tax Administration for missing the deadline for your tax return again. Oops!…
The purpose of a so-called "smart city" is to use technology in order to increase operational efficiency and, thus, improve the welfare of citizens.…
The UN Biodiversity Conference (COP15) will be held in December 2022 in Montreal (Canada). With climate extremes manifesting themselves in increasingly intense…
Littering is the bad habit of leaving trash in public spaces or carelessly throwing it away. Mr Jean-Pierre Santer, co-founder of “Pickitup”, says that this…
Sophie is intrigued by Marc’s new hobby and would really like to understand why he is spending so much time on his smartphone scrolling through the news about…
Summer is not over yet and we are already anticipating autumn, the season during which nature can be seen in its full splendour when leaves are turning all…
The back-to-school season often coincides with a new stage in your life. You still remember your early school days and here comes the last semester at uni.…
165 litres of water are consumed on average per day per person. After being used for laundry, flushing the toilet, cleaning, cooking, etc., , wastewater is…
Ten years ago, Linda and Benoît Depaye decided to adopt a 100% vegan lifestyle. This decision led them to open their own restaurant where they put a vegan…
About one third of all food produced in the world goes unused or ends up in the bin. Not only does this release around 3,300 million tonnes of CO2 annually but…
Can we make our IT consumption green again? Nathalie Thielemans, Managing Director at OXiane and Valérie Viatour, Expert Consultant & Trainer on Green IT…
Of Indian origin, Supriya Sodhi arrived in Luxembourg in 2016. Although she holds two higher education degrees, she chose to follow her heart. Her great love…
You're going on holiday? Great, make sure to read our little checklist before you take that plane!
Louise just graduated from secondary school. Her next steps are to prepare to leave for university, sort her things, sell some of her stuff, buy some new…
Exams are finally over! Now, it’s time to take advantage of your hard-earned holiday, but before you unplug, there is one small matter to tend to: your student…
After months of reflection and discussion, Spuerkeess began to release its teaser ads, giving a behind-the-scenes look at its new image campaign and gradually…
Having your first baby is a big change for a couple and it’s best to be prepared. Besides buying baby gear, decorating the nursery, choosing a name, and…
Employees who feel accepted and respected at work are more productive. Dr. Mareike Bönigk, Head of the Psychosocial Service of the Ministry for the Civil…
Of Chinese origin and British nationality, Mei Chan has been immersed in Japanese culture thanks to her many travels but also because of her passion for this…
Following the adoption of the Paris Agreement and the UN 2030 Agenda for Sustainable Development in 2015, governments are making strides to transition to…
Electric vehicles sharing schemes enable sustainable-minded drivers to rent electric cars for short periods of time. Jürgen Berg, CEO of FLEX, knows how…
Louise is 19 years old and lives in Luxembourg with her mother and brother. She has just finished the last oral sessions on her final exams, and is waiting…
Ever since she first became a mum, Sophie has loved Mother’s Day. She always looks forward to the day, wondering what Lily will have made for her at nursery.…
After immigrating to Luxembourg at the age of six with her parents, Charlotte Reuter's studies focused on literature and philosophy. Later, after a few…
Greenhouse gas emissions decreased in 2020 due to the disruptions of economic activity, travel, and commerce brought about by the COVID-19 pandemic. What can…
During the recent Easter holidays, Sophie and Marc chose to travel by train and electric car, taking advantage of the Avis benefit on their Visa Premier card…
Cigarette butts are a toxic plastic pollutant. In fact, cigarette butts are the most common type of litter collected on beaches. We spoke to Stéphane Hérard,…
After an extensive human resources experience in the field of finance, Chaffa Zaroui chose to shift her focus to the world of entrepreneurship and launch her…
A website? An app? Yes, but which one do I choose if I’m just starting out in investment? As a general rule, if you’re just starting out, it’s a good idea to…
Perhaps you're leaving home to go to university, move in with your partner or simply because it's time. Congratulations! From now on, you can deck…
The manufacturing process of the linear economy counts for half of the emissions around the world. The extraction of resources also leads to other problems…
You’re starting to feel more and more comfortable with the idea of investing and now would like to understand what it means to invest in “green”. Well, we will…
Having invested in securities, you want to make sure you have made the right choices. To that end, it is for instance vital to keep informed of the latest…
In Luxembourg and everywhere in Europe, the taxation of individuals continues to become more complex each year. Unfortunately, many taxpayers are paying the…
Tick-tock, tick-tock... the tax return deadline is approaching and Marc has not yet completed his. He is not particularly worried this year, though, because…
You've done it! Your securities portfolio has been opened and you have set your investment amount. Welcome to the stock exchange! You may feel a little…
Investment funds, also known as "mutual funds" or "undertakings for collective investments (UCI)", are investment products created to allow…
Fintech has remodelled the financial ecosystem while banks are using technology to make their financial systems more efficient. What are the latest FinTech…
You have set your investment budget, determined your investor profile and probably opened your securities account. What happens now? Well, you just need to…
Every year it’s the same old story: Marc starts very early to gather all the documents to make his tax return, but when it comes to collecting Sophie’s…
Do you want to invest but do not know where to start? It would be true to say it is not the simple matter it might first appear, and that is why it is…
In Luxembourg, temperatures have risen by 1.3 degrees since 1832. According to weather experts, drought and heavy rain will also increase in Luxembourg.…
Enovos is installing numerous photovoltaic power plants in the country in response to a call for tenders issued by the State. In addition to the rooftop…
So you have decided to do something for your savings by investing some of your money? Congratulations! To get started in the Stock Market and build investment…
Is your home a smart home? Welcome to the Internet of Things (IoT). All around the world, billions of physical devices are now connected to the internet. That…
Holding a portfolio consisting of financial assets, and then having to sell it in part or in full in order to have access to cash on an ad hoc basis, can lead…
Are you between 18 and 30? Are you going to school, to university or hoping to do an apprenticeship? Take advantage of your student life without hassle or bank…
Spuerkeess was a pioneer in instant payments, allowing money to be sent all across Europe in less than 10 seconds. In the interest of constantly innovating,…
When Shauna and her husband moved into their flat in Bonnevoie, they didn’t have children and swore by public transport. But as their family has grown, they…
For Sophie and Marc, 2021 wasn’t exactly a typical year. The COVID-19 health crisis caused them to change their habits and made them more sensitive to…
The difference between owning and leasing a car is solely based on the means to achieve one same goal: to get you your dream car!
After ten years with an advertiser, Marie-Caroline Dumas decided to create her own digital marketing and communication agency and thus became an entrepreneur.…
With "Energy Contracting", LuxEnergie offers tailor-made, turnkey energy solutions that include not only the construction and financing of energy…
Alice Tiberio left her native Italy 11 years ago to discover new cultures. She lived in Canada, the USA and moved to Luxembourg to start her business. Whether…
For 25 years, Stëmm vun der Strooss, a non-profit organisation, has provided support to people in need. The non-profit organisation collects food before…
Pay your invoices by scanning a QR code with your mobile phone, or send money just by indicating the beneficiary's telephone number; who would have…
Global warming is a challenge that concerns us all and the economic system plays an important role in the battle against climate change. Thus, the University…
Like every year at this time, the race for Christmas presents is on. In exactly three weeks, dozens of gifts will be piled up at the foot of Sophie and…
After living in Sweden and Holland, Francesca Pogliani, of Italian origin, has settled in Luxembourg. Employed full time in a Big Four company, she spends the…
The word “FinTech” entered the dictionary in 2018 but what exactly is FinTech and how does it affect banking? We spoke to Dr. Zsofia Kräussl who is Research…
Now that Sophie and Mark are in a civil partnership, they are thinking more and more about building a house. Sophie already sees herself planting roses in her…
ESG topics pose new and complex challenges that were previously largely outside the remit of financial institutions. They require targeted scientific expertise…
After 15 years of professional experience in the financial sector, Christelle Dewaele trained in kinesiology and switched to the world of entrepreneurship.…
In the context of the implementation of the PSD 2 regulation (“Payment Services Directive 2”), Spuerkeess, as a leader in e-banking, was the first bank in…
On a global level, cities are heating up. This is due to the increasing mass of concrete, steel, asphalt and car exhaust, which adds to the effects of global…
This year Spuerkeess is participating in the 39th Stock Market Learning competition, a realistic stock market simulation contest and the only one of its kind…
The holidays may already seem a long time ago, but the university year has only just started. Wasn’t it great to be able to switch off your alarm, spend time…
Climate change is the biggest challenge we face. The younger generation will inherit environmental problems that we already know how to solve if we are…
A few weeks ago, you took a trip with your family to the countryside and came across a magnificent little house for sale. Since then, nobody can stop talking…
Home sweet home. Julien Solvi, general manager of energieagence, tells us how we can make our households more energy-efficient and gives us his five…
Going to highschool means that your child will have more freedom but also more responsibilities. To make this change easier for you and safer for your child,…
From cans, coffee capsules and aluminium to plastic; supermarket shelves are piled with packaged products, while online retailers support a global packaging…
When Marc and Sophie chose to spend their summer holidays in Luxembourg, it was a joint decision. Sophie saw it as an opportunity to combine gardening, trips…
Last year, Mum and Dad didn't want to go away on holiday because of the pandemic, which was still ongoing. This year they've booked two weeks at an…
The pandemic has restructured and changed our habits and the way we live and work. With COVID-19, our homes have become more important than ever.
It has been 25 years since Spuerkeess and etika introduced an ethical savings account which, until recently, was Luxembourg’s only sustainable banking product.…
Wealth management needs to meet numerous objectives and it can be complicated to strike the right balance between these goals and the enhancement of your…
Owned equally by SEO and Enovos, Soler has been active in renewable energy since 2001. Mr. Paul Zeimet, Administrateur-Délégué, was kind enough to tell us more…
Nathalie Roth is senior advisor for climate finance, environmental and international carbon markets, valuation of climate change impacts and sustainable…
Sophie used to dream of a house with a big kitchen garden where she could grow vegetables and pretty rose bushes to her heart’s content. When she and Marc…
NewFID, the first all-digital accounting practice in Luxembourg meets the new needs of craftsmen and SMEs.
Our role is to support you in your energy efficiency projects and make you aware of the available aid and grants. As Deputy Head of Business unit Facility…
Photovoltaic panels have been installed on the roof of a covered carport at the House of BioHealth in Esch. They are connected directly to the grid and thus…
Craft et Compagnie specialises in the sale of exceptional artisan champagnes in Luxembourg. Its mission is to promote talented winemakers at the forefront of a…
Do you have some savings tucked away? Or have you inherited some money? Sure, you could organise an awesome trip halfway around the world, make some luxury…
For the past two years Spuerkeess has worked with a science and sustainability advisor who has helped us conduct our own research and develop tools that help…
Marc is fascinated by all the technology surrounding him and believes that the possibilities for human beings to expand their knowledge are limitless. Who…
Did you know that all the info is now available free of charge for all students? No, it’s not a late April Fool’s Day joke! The two newspapers Tageblatt and Le…
For Spuerkeess, this calls for celebration as well as a retrospective on what has made S-Net such a success story. For customers, this is the time to take…
A different way of networking! Archi Box is a more fun alternative to traditional trade shows, especially during the current pandemic, in which digital events…
Mum can already feel the first kicks in her tummy and Dad is eager to know the baby's sex, while Grandma cannot wait to spoil the baby and Grandpa is…
Sophie and Marc are delighted to announce the birth of their daughter Lily! While the couple is on cloud nine, they already have quite a few questions about…
Banks are introducing a new standard for interbank payments: Instant Payments.
In the office the other day, Marc’s colleagues were talking about Bretzelsonndeg, which is just around the corner. Marc had completely forgotten about it, so…
Reducing the use of plastic, taking public transport, buying second hand, eating local...the list of small actions that can improve our consumption habits has…
As Sophie sits in her car waiting for the stoplight to turn green, she suddenly begins to daydream, imagining all the things she will be able to do once she…
"It’s a fact that most of our customers open a savings account for their children at birth. And being a young father myself, I perfectly understand that…
Your child is about to turn 18 - it’s hard to believe he is an adult now! It seems like just yesterday that you held him in your arms for the first time, but…
Sophie is so happy! Her new colleague Audrey, with whom she is going to work on various projects, is really nice. They only met a few days ago, and yet it is…
It is in a particular environment that Xavier Hannaerts, Head of Investments at Spuerkeess Asset Management, speaks about developments in the context in which…
Educating children about goal-based savings means teaching them about the value of money and the benefits of savings. Whether it’s for a specific toy, some…
Aykut Efe, Economist at Spuerkeess Asset Management, discusses the potential impacts of quantitative easing on the real economy in the long term.
Since the 2008 financial crisis and the implementation of non-conventional monetary policies around the world, bond yields have fallen significantly. The US…
Spuerkeess has continued to offer a complete banking service over the whole lockdown period. While temporary restrictions on counter transactions could not be…
Let’s face it; once we have left school, most things we learned about maths or languages are lost if we don’t use these matters in our every day life. This can…
Aykut Efe, Economist at BCEE Asset Management (now Spuerkeess Asset Management), considers the current economic climate amid the coronavirus pandemic.
Frank Fischer, Head of Spuerkeess Direct, explains the concept of Spuerkeess Direct, the branch available from 7.00 am to 7.00 pm Monday to Friday to carry out…
As a result of the spread of the COVID-19 virus, Marc is working from home and Sophie has taken leave for family reasons in order to take care of their…
In an increasingly complex environment, the digital automated investment product Speedinvest has proven to be the ideal investment.
Since February, as COVID-19 has rippled across the globe, there has been a widespread sell-off in the financial markets, combined with a literal explosion of…
Aykut Efe, Economist at BCEE Asset Management (now Spuerkeess Asset Management), considers the current economic climate amid the coronavirus pandemic.
Lisa Wells, Head of Marketing, talks about the “Spuerkeess” brand in 2020: As part of the internal renewing process in recent years, we have worked on…
Interview with Claude Faber, head of communications in the marketing department, about the procedure for the elaboration of the new Spuerkeess Corporate…
Raoul Loudvig, head of the “Graphic Design” division inside the Spuerkeess Marketing department, gives us an insight into the graphical design world of…
Digitalisation is now omnipresent and inescapable. The labour market has undergone significant changes, a process magnified by robotisation and artificial…
Aykut Efe, Economist at BCEE Asset Management (now Spuerkeess Asset Management), discusses the economic and financial environment at the start of 2020 and…
NEOFACTO has been assisting companies with their digitalisation since 2000 in Luxembourg, navigating its way between the creativity of start-ups and the…
Simône van Schouwenburg, Head of Expat Services at Spuerkeess gives you a unique insight into the experiences she has made. Advantages, challenges and tips…
The New Year has long begun but you seem to have forgotten all about your good resolutions? Don't worry! In order to refresh your memory, here are five…
Spuerkeess is market leader for residential real estate loans in Luxembourg. We spoke with Michel Zimer, Vice President of Credit Process Management, and asked…
Let’s be clear from the start: there never has been and never will be zero risk. Digital payments are becoming more practical and secure compared with cash…
"Helping the future generation to better understand the digital world", such is the motto of Code Club Luxembourg. With this in mind, we met with…
On 12 September, as part of its commitment to the United Nations Principles for Responsible Investment (UN PRI), Spuerkeess Asset Management (Spuerkeess Asset…
Over time, Marc has amassed a small amount of money in his savings account. With how interest rates have been developing over the past years, this means that…
Like most kids these days, Sophie’s niece Emma has grown up with mobile phones and ipads. Fully at ease with the new technologies, she’s very interested in all…
Outsourcing sales is becoming more and more popular, especially for startups and small companies that do not have the means to hire their own sales people. SOS…
This is the motto at Supermiro (the personal assistant that handles your free time) and now Helloboss (which takes care of your professional schedule and your…
Carlo Stronck, Director, and Loïc Chaulacel, Portfolio Manager specialising in responsible investment at BCEE Asset Management (now Spuerkeess Asset…
Summer time is over and school is starting again, but this year, you’re up for university, which means new challenges, new responsibilities and new…
Are you considering installing new parquet flooring? Or perhaps you are looking for a caterer for your wedding? wedo.lu can help you find tradespeople and…
“Aruba, Jamaica, oh I want to take ya, Bermuda, Bahama, come on pretty mama…” Ok, so Sophie and Marc aren’t off to the Jamaica the Beach Boys were singing…
If until now you could already change the limit of your credit cards via the S-Net app, it now allows you to manage even more payment settings!
After three years spent tightening its monetary policy (from December 2015 to December 2018), the United States Federal Reserve put the process on hold at the…
KidsBox is a new way to consume products using a circular economy approach. Designed for parents and children aged 0 to 6, the service aims to reduce our…
Are you considering a real estate project but don't know if you can afford it? You can find out the sum that you'd need to borrow and how much you…
Our software openAudit is a solution for managing decision-making data flows, in order to massively simplify systems and tackle the most stringent regulatory…
Ruth Gallery is a contemporary art gallery that aims to showcase different cultures from all over the world. Having presented the pop art universe a few months…
Ever since Sophie got pregnant, Marc has started cooking larger meals for his darling, and for himself as well. As a result, it's hard to tell which one…
At the beginning of February, Sophie’s parents received a letter from the Luxembourg Direct Tax Authority (Administration des Contributions Directes, ACD),…
Isn’t love wonderful! We fall in love and enter into a civil partnership but what happens if one of the partners dies? Here’s all you need to know!
It’s difficult to know how much pocket money to give to children. But one thing is for sure: managing a budget will help them learn the value of money and…
Nyuko, a challenger of ideas, is repositioning and has signed a partnership with Spuerkeess. This will enable nyuko to supervise project leaders even better…
Are you entitled to a tax refund? Discover if your situation calls for an annual statement!
On Tuesday15 January, the UK Parliament is to express its final position on the adoption or rejection of the new withdrawal agreement negotiated between Prime…
In light of the recent economic environment and the arrival of MiFID II, which further regulates investment advice and portfolio management, clients have…
This year, treat yourself to a gift that will keep on giving!
Considering transparent and socially responsible investment? Ekkehart Schmidt, public relations officer at etika – Initiativ fir Alternativ Finanzéierung asbl,…
Dear readers, Sophie and Marc have reached an important milestone: our favourite couple are expecting a baby! Becoming parents brings with it a lot of joy, but…
Whether it is to live in or rent out, buying a property also offers a number of tax benefits as set by law. In order to help you better understand these…
You've decided to invest in real estate? Congratulations! Investing in bricks and mortar remains an interesting bet when preparing your retirement. It…
Who inherits what? Understand how intestate succession works!
Banque et Caisse d’Epargne de l’Etat, Luxembourg (Spuerkeess) has announced it is taking part in the “InnovFin” programme, with a budget of 40 million euros.…
First time at university, first job, first salary, first flat... and the list goes on! Life in your twenties is exciting. Everything is new and there is a…
Now that Sophie and Marc are civil partners, they decided to open a joint current account in order to tackle everyday expenses. Note, everyday expenses relate…
One fine summer day, Sophie and Marc met in the hallway of the company they worked in. Their eyes met and very quickly, their friendship turned into love...…
In a society marked by digitalisation, consumers’ behaviour and their expectations regarding retail outlets have changed considerably. This trend is affecting…
You can't think about School Savings Day ("Fêtes de l'Epargne Scolaire") without also remembering the "Spuerbéchs"! Most of us…
In case you haven't noticed, it's cold outside! Out with the summer jackets and in with the scarves and overcoats! This is also usually the time when…
Discover how you can take advantage of the financial markets by investing small amounts, starting from age 18!
Spuerkeess is aware that the ongoing price increases put pressure on customers who want to purchase real estate, whether for their own needs or as a rental…
It all began with the Spuerkeess’ statutory mission of promoting saving in all its forms within the population of the Grand Duchy of Luxembourg. As a result,…
Next year, Sophie and Marc are planning to go on holiday to Japan. This will be quite an expensive trip, and the young couple will have to plan their expenses…
As the leading bank in the Luxembourg financial market, Spuerkeess has launched MIA, a personal financial management (PFM) tool, free of charge, destined to…
In need of tips or advice on financial matters? Well then, you might like our new blog! Luc Sinner, Deputy Head of Business Unit Marketing at Spuerkeess told…
The European Markets in Financial Instruments Directive (MiFID II) entered into force on 3 January 2018. Claude Hirtzig, Head of Department and Senior Vice…
Spuerkeess recently redesigned the desktop and mobile versions of its S-Net. The modern and innovative design created by the communications agency Apart won a…
Charles Pletsch, deputy head of Spuerkeess’s Coordination du Réseau des Agences, talks about the bridge loan, a short-term loan that can ease the transition…