Banque Raiffeisen
“Can a nearly century-old Luxembourg cooperative bank modernise its credit and payments infrastructure quickly enough to remain relevant against digital challengers while preserving its cooperative governance model?”
Banque Raiffeisen is a nearly century-old Luxembourg cooperative bank that has historically operated as a traditional community-oriented financial institution. In recent years the bank has embarked on a digital transformation drive, partnering with nCino to paperless-ify its full credit lifecycle and selecting Worldline for instant payment processing. Its embedded finance footprint is nascent but growing, with partnerships in FX (via Wise Platform through parent RBI group), tax-filing (taxx.lu), and digital lending infrastructure.