Experts' corner

Our experts speak on financial and real estate matters, and give their professional opinion on Spuerkeess’s investment products.

What is voice payment and how can it be used?

Powered by machine learning, artificial intelligence and neural language processing, voice assistants are helping us perform everyday tasks more easily.…

Ethics and how we ensure integrity throughout our organization

Ethical behavior matters. Employees who have high ethical standards are proactive to help solve problems with work colleagues and clients. While so-called…

Environmental footprint and how to reduce carbon emissions at home

In terms of our environmental footprint, how do we compare with the rest of the world? STATEC’s Dr Olivier Thunus provides us with valuable information and…

Is Luxembourg happy at work? The impact of a bad atmosphere at work and how to improve employee satisfaction.

Does a bad working atmosphere have an impact on a company and what can we do to improve employee satisfaction? We spoke to David Büchel, psychologist at the…

Climate change and money – how to ensure your portfolio is truly green?

Do our savings impact climate change and how can we invest sustainably? Bryan Ferrari, Investment and Portfolio Manager at Spuerkeess’ Private Banking provides…

The ins and outs of the rental deposit in Luxembourg

So you just arrived in Luxembourg and found your first place to live? The landlord (lessor) requires a rental deposit (garantie locative). What is that? How do…

The future of work trends and how to prepare for them

What are the major workplace trends and how can we prepare for future jobs? How does Luxembourg compare to the rest of the world? Lieven Lambrecht, Head of HR…

Data management and how to keep our data safe

What happens with our data, especially in the realm of banking? How can we keep our data from being misused? Sébastien Cuny, team manager and Thierry Conter,…

S-Invest Plus, one way to diversify your savings

The news on the financial markets, inflation and geopolitical disruptions have left customers feeling unsettled and insecure. Why is it important to keep a…

New ways of mobility and how to reduce stress whilst commuting

We spoke to Christophe Reuter, “Premier Conseiller de Gouvernement” at the Ministry of Mobility and Public Works, who provided insight as well as useful tips…

What are the alternatives to traditional savings accounts?

Key rates are continuing to increase, which makes it more expensive for consumers to access credit. On the other hand, savings and some forms of investment,…

What are the most common types of phishing attacks and how can you protect yourself?

Phishing attacks are becoming more and more sophisticated. What are the pitfalls and how can we protect ourselves? We spoke to Bertrand Lathoud from the…

The Central Bank has continued raising key rates and rates on home will follow. What’s the best way to approach a home ownership project at this moment in time?

We asked Charles Pletsch, “Vice President and Head of Business Unit” at Spuerkeess, specialising in home loans, to share his view on interest rate trends and…

Sustainable finance and how to ensure a sustainable future

There is an immediate need to direct capital towards critical issues such as climate change, environmental degradation, biodiversity loss, and water scarcity.…

What are the best strategies to reduce climate change and how to take action on climate change social issues?

We spoke to sustainability experts Dr. Elorri Igos and Thomas Schaubroek from Luxembourg Institute of Science and Technology (LIST) who provided five useful…

Gen Z and how they bank?

Generation Z was born after 1996, and is therefore the first generation that has never known a world without the Internet. They are stereotyped as “social…

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…

What are the main energy trends for 2023 and how can technology help us transition to a carbon free world?

We spoke to Thomas Gibon, Researcher in the “Life cycle sustainability assessment” department at the Luxembourg Institute of Science and Technology (LIST) who…

FinTech 2023 and where does Luxembourg stand on a global level?

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?

S-Net Mobile awarded best mobile banking application in the country

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…

Happiness and how to stay happy in a modern world

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…

Our ageing population and how to face the challenges this presents.

The rapid ageing of the world's populations and the decline of the working age population are becoming a growing concern. We spoke to Kristell Leduc,…

Spuerkeess the ideal partner for the international community

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…

Term Deposits – a Good Alternative for Savings

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…

The energy shortage and how to install solar panels on your roof?

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…

S-Net Mobile: banking at your fingertips

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…

My mobile phone: a curse or a lifesaver?

Luxembourg has one of the highest smartphone penetration rates in Europe; 94% of the population own a smartphone. According to STATEC, most children in…

Green and digital. How to build a smart city in Luxembourg ?

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.…

Biodiversity and how to protect it

The UN Biodiversity Conference (COP15) will be held in December 2022 in Montreal (Canada). With climate extremes manifesting themselves in increasingly intense…

The bridge side of life: Spuerkeess unveils its new campaign

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…

Rising interest rates on home loans - 2 tips to be well prepared

Over the past weeks, the media has taken up the topic of the rising interest rates which is causing our clients to ask all sorts of questions about their…

How to enhance Green IT?

Can we make our IT consumption green again? Nathalie Thielemans, Managing Director at OXiane and Valérie Viatour, Expert Consultant & Trainer on Green IT…

How can we keep the environment clean?

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…

How to reduce food waste

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…

Fast fashion and how to reduce its environmental impact

Our planet's resources are limited and the textile industry is a major contributor to environmental damage. Jeannette Müller, advisor to the Luxembourg…

European Central Bank’s Climate Risk Stress Test

Following the adoption of the Paris Agreement and the UN 2030 Agenda for Sustainable Development in 2015, governments are making strides to transition to…

How can we help improve our wastewater?

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…

How to enhance psychological safety at work

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…

How to use e-car sharing effectively

Electric vehicles sharing schemes enable sustainable-minded drivers to rent electric cars for short periods of time. Jürgen Berg, CEO of FLEX, knows how…

What should we do with our old electronic devices?

Did you know that your old computer or TV doesn’t belong in the trash, but do you know how to discard your old electronic equipment? Andy Maxant, Director of…

The transition to renewable energy

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…

The cigarette and how to fight against this number one polluter

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,…

Bye bye linear economy. Hello circular economy!

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…

Will AI be human soon?

Artificial intelligence (AI) tries to mimic human thought and integrate it into computers. When will AI be truly human and how should we respond? To answer…

Tax return: is the myTax digital assistant the ideal solution to ensure you pay the right amount of tax?

In Luxembourg and everywhere in Europe, the taxation of individuals continues to become more complex each year. Unfortunately, many taxpayers are paying the…

Lombard Loan: the flexible financing solution without limits

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…

2022 trends in FinTech in Luxembourg

Fintech has remodelled the financial ecosystem while banks are using technology to make their financial systems more efficient. What are the latest FinTech…

Milk and meat – how can Luxembourg farmers better protect the environment?

In Luxembourg, temperatures have risen by 1.3 degrees since 1832. According to weather experts, drought and heavy rain will also increase in Luxembourg.…

Internet of Things (IoT)

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…

Spuerkeess payment cards, now better than ever!

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,…

The gender gap and how to close it

According to the World Economic Forum's Global Gender Gap Report 2021, at least one more generation of women will have to wait for gender equality. Dr.…

Cybercrime and how to prevent it

The world has become digital and cybercrime is on the rise. Failure of companies’ technological defences entail both financial loss and damage to the…

ESG in the changing landscape of higher education

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…

Life on the streets – how can we help homeless people?

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…

“FinTech” explained

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…

Meet our experts. Here comes our Scientific Advisory Board

ESG topics pose new and complex challenges that were previously largely outside the remit of financial institutions. They require targeted scientific expertise…

How sustainable are electric cars ?

How environmentally friendly is the electric car? Dr. Félix Urbain, senior innovation consultant at Nordic Innovators P/S, knows the answer.

Hot city. Are we facing unbearable summers?

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…

Inheriting environmental issues: how to help children become more climate-conscious

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…

Renovating or building a new house? This is what you should know

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…

Open Banking: Revolut and N26 enter S-Net

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…

Why recycling matters.

From cans, coffee capsules and aluminium to plastic; supermarket shelves are piled with packaged products, while online retailers support a global packaging…

Plastic in the sea

Every day, eight million pieces of plastic end up in the ocean. This not only kills fish, sea birds and marine mammals, but also affects humans on land. We…

What is greenwashing and why is it a problem?

It has been 25 years since Spuerkeess and etika introduced an ethical savings account which, until recently, was Luxembourg’s only sustainable banking product.…

United Nations climate and sustainable development goals: How to become a sustainable bank

Nathalie Roth is senior advisor for climate finance, environmental and international carbon markets, valuation of climate change impacts and sustainable…

Which solutions for managing your wealth?

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…

Finding out about Spuerkeess’ Aid & Financing Advice

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…

Meet Spuerkeess’ sustainability team

From checking facts, documenting and optimising our environmental efforts to getting our sustainable message out to the world - our common goal is to advance…

Meet Spuerkeess' Science and Sustainability Advisor

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…

Bank payments kick into high gear

Banks are introducing a new standard for interbank payments: Instant Payments.

Lockdown exit at Spuerkeess

Spuerkeess has continued to offer a complete banking service over the whole lockdown period. While temporary restrictions on counter transactions could not be…

New Corporate Identity (CI) from the perspective of the graphic designer

Raoul Loudvig, head of the “Graphic Design” division inside the Spuerkeess Marketing department, gives us an insight into the graphical design world of…

Spuerkeess Direct branch

Frank Fischer, Head of Spuerkeess Direct, explains the concept of Spuerkeess Direct, the branch available from 8.00 am to 6.00 pm Monday to Friday to carry out…

In the spirit of continuity

Françoise Thoma, Chief Executive Officer of Spuerkeess, talks to us about the Bank’s new communications strategy.

Spuerkeess in 2020

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…

Spuerkeess is supporting young entrepreneurs

Digitalisation is now omnipresent and inescapable. The labour market has undergone significant changes, a process magnified by robotisation and artificial…

Moving to Luxembourg? A story about living and working in the Grand Duchy as an expat

Simône van Schouwenburg, Head of Expat Services at Spuerkeess gives you a unique insight into the experiences she has made. Advantages, challenges and tips…

New Corporate Identity (CI) and new brand image campaign for Spuerkeess

Interview with Claude Faber, head of communications in the marketing department, about the procedure for the elaboration of the new Spuerkeess Corporate…

Digital payments give us greater flexibility. But are there risks?

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…

Spuerkeess Asset Management (Spuerkeess Asset Management is the trading name of BCEE Asset Management) signs the "Investor statement on deforestation and forest fires in the Amazon"

On 12 September, as part of its commitment to the United Nations Principles for Responsible Investment (UN PRI), Spuerkeess Asset Management (Spuerkeess Asset…