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NFC: all about wireless payments

Looking for your wallet, handing over some cash and checking the change back or digging for coins to pay the exact amount: we all know the daily grind of trying to quickly pay for the much-needed cup of coffee or the after-lunch pack of gum while the people in line behind us are getting impatient.  Soon this hassle will be a thing of the past thanks to contactless payment, a technology that has made its debut via bank cards, and is now quickly spreading to smartphones and connected watches.

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What will the bank of the future look like?

Crowdfunding platforms where everyone can fund a project or seek funding, mobile applications that allow you to manage your banking activities from your smartphone or your computer, digital currencies such as bitcoins, electronic payment systems where you don’t need to enter your code bank: the world of finance has changed considerably in the past decade and it is only the beginning!

New market actors such as FinTech companies want to use technology to deeply transform the rules of the finance industry. To face this transformation, financial institutions have to reinvent themselves. What will the bank of tomorrow look like? Let’s take a peek at a very near future…

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 Why FinTech will change our banking habits?

Technology has changed our lives in many regards. After the music, news and tourism industries, it’s now the turn of the banking sector to undergo a digital revolution. Indeed, the banking world has changed more over the past decade than it has in 200 years. The main actors of change are Fintech companies. But what does the word Fintech even mean?

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A few tips to avoid over-indebtedness

Who hasn’t experienced money problems at some time of their life? But does being occasionally broke at the end of the month mean you’re over-indebted? Of course not. Someone is over-indebted when they can’t face their non-professional debts anymore and struggle to keep up with daily expenses. If you have incidental money problems, you are not over-indebted. Over-indebtedness is a persistent situation that gets worse over time.

Over-indebtedness can be due to unexpected events such as a job loss, changes in the family situation (divorce, separation, etc.) and illness or to too much spending. Anybody can very quickly get caught in the negative spiral of over-indebtedness.

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Living together, is it less expensive?

Yes and… no. On the one side, sharing costs (rent, food, car, etc.) enables you to make significant savings. Moreover, if the couple registers a civil partnership to their local commune, taxation is more advantageous than separate taxation, even without children. On the other side, living together is not necessarily Scrooge’s paradise. Unexpected expenses can occur like, for instance, the fact that one partner doesn’t want to impose limits to the lifestyle of the other or hides debt for fear of compromising the relationship.

So, what are the financial risks of living together and how to avoid them?

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How to take advantage of Luxembourg’s thriving Startup ecosystem

There are several initiatives in Luxembourg that allow to develop and encourage entrepreneurship

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As a self-employed person, do I need an accountant?

Your sole proprietorship doesn’t know the meaning of crisis? Wonderful! In this case, does your small business need an accountant? Legally no but in practice, the answer is subtler than you think.


From dream to reality: how to carry out your projects?

Everyone has projects but few of us are able to achieve them. There may be several reasons for this: no time, no money or simply circumstances of life. Should we abandon our projects and only dream? Not necessarily. Here are some tips that may help you to make your dreams a reality.