The LHoFT

The LHoFT represents Luxembourg's strategic initiative to position itself at the forefront of financial technology innovation through a collaborative public-private partnership. Established to catalyze fintech development and drive financial services evolution, this initiative serves as a nexus connecting various stakeholders within Luxembourg's robust financial ecosystem. The LHoFT creates a dynamic environment where financial institutions can engage with emerging technologies, innovators can access resources, and regulatory frameworks can evolve alongside technological advancement. This comprehensive approach reflects Luxembourg's commitment to maintaining its competitive edge as a leading European financial center while embracing digital transformation.

The initiative boasts an impressive roster of founding private sector partners, including global financial powerhouses such as BGL BNP Paribas, Société Générale, and Clearstream (Deutsche Börse Group). The partnership extends to major professional services firms like Deloitte, KPMG, and PwC, alongside technology providers including POST Luxembourg, Six Payment Services, Telindus (Proximus Group), and Temenos. This diverse coalition of industry leaders provides The LHoFT with exceptional resources, expertise, and market access, creating a robust foundation for fintech innovation and implementation. The involvement of established financial institutions ensures that emerging solutions address real-world industry challenges while maintaining necessary compliance standards.

Beyond corporate partnerships, The LHoFT has secured crucial institutional support from the Luxembourg Chamber of Commerce, the City of Luxembourg, and the University of Luxembourg. This triple-helix collaboration model integrating government, industry, and academia creates a comprehensive innovation ecosystem rarely found in other fintech hubs. The academic connection facilitates research and development while nurturing talent pipelines, governmental involvement ensures regulatory alignment and policy support, and the Chamber of Commerce provides business development resources. This holistic approach addresses the full spectrum of needs for fintech advancement, from concept development through commercialization and scale.

The LHoFT's investment focus encompasses a wide range of fintech verticals including payments, blockchain, regtech, insurtech, and wealth management technologies. By providing incubation services, mentorship, and access to capital, the initiative supports startups at various development stages while facilitating connections to Luxembourg's established financial sector. The geographic positioning within the European Union offers startups access to the single market while benefiting from Luxembourg's reputation for regulatory innovation and financial expertise. As fintech continues transforming global finance, The LHoFT positions Luxembourg as not merely a participant but an architect of this evolution, leveraging the country's existing financial infrastructure while embracing technological disruption.