Angela Nickel (COMO Group): Guiding Clients to a Digital Life

Angela Nickel, CEO and founder of COMO Group S.A. operating as COMO Digital Life – a payment and banking service.

Could you introduce COMO DL in a few words?

COMO Digital Life embodies two essential dimensions:

First, as our name – Community of Money (for the) Digital Life – implies, we are building a community that specialises in digital understanding at the elusive intersection where finance, technology, and culture merge.

Second, we are driving a radical transformation within this intersection, revolutionising finance as we have historically known it. Digitalisation has reshaped the financial world, and COMO is a vital part of this transformation. We firmly believe, based on our own experience, that someday all banks will operate as we do.

To put it simply, COMO is a cloud-based financial community regulated by the CSSF in Luxembourg, offering financial services in the B2B sector. We emphasise the cloud-based aspect because it places us at the forefront of cutting-edge technology – years, perhaps decades ahead of traditional banking institutions. We are not just the next wave of banking; we are the future of banking.

“True adaptation isn't just about technological innovation; it's about embracing cultural and social evolution with enthusiasm and insight.”

Angela Nickel, COMO Group

How are your clients' needs evolving and how do you adapt to them?

Our clients are navigating a rapidly changing digital landscape and their needs are evolving accordingly. We place them at the centre of everything we do, acting as a human-centric gateway from the known comforts of today to the exciting unknowns of digital life. By understanding their unique challenges and aspirations, we tailor our services to meet their specific needs. We understand that true adaptation isn't just about technological innovation; it's about embracing cultural and social evolution with enthusiasm and insight. Just as one would sharpen an axe before felling a tree, we invest our whole hearts in preparation to empower our clients on their remarkable journeys.

What risks and opportunities do you see for Luxembourg and your company?

Luxembourg offers significant opportunities for safety, transparency, and prosperity for financial institutions. However, it currently lacks a robust digital infrastructure compared to countries like Estonia. This presents both a risk and an opportunity for COMO. We advocate for a broader understanding and the development of digital capabilities in Luxembourg. By promoting digitisation across crucial sectors, Luxembourg can position itself at the forefront of finance, technology, and culture, benefiting both the country and companies like ours.

How is COMO DL making a difference in the Fintech, payments, and cloud-based financial institutions?

At COMO, we are not just participating in the evolution of finance – we are passionately driving it forward. As fearless innovators, we place our clients at the epicentre of groundbreaking developments, acting as a human-centric gateway, guiding them from the limitations of traditional systems into the expansive opportunities of digital life. Beyond providing advanced fintech solutions, we focus on the human impact of technology. Our commitment extends to ecological sustainability, education, and humanistic values. By addressing our clients' needs with unwavering passion and a holistic approach, we are not only making a difference – we are revolutionising payments and banking. We are creators of opportunities, dedicated to shaping a brighter, more dynamic future for both our corporate clients and society at large.