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Founder interview - Norbert Pálfalvi, founder of Custowner Mobility

Luxembourg Expats celebrates expats in Luxembourg. We regularly interview expats from different backgrounds and persuasion and call Luxembourg home. In our interview series, called Featured Story Series, now we have had an interesting discussion with Norbert Palfalvi, founder of Custowner Mobility. Custowner Mobility is building a better mobility system that accelerates to move away from car ownership and supports the transition to people-centric cities. Without further ado, let's get straight into the discussion. Let's have a quick introduction about yourself. Where are you from and what do you do? Hello, my name is Norbert, and I hail from a background rich in mechanical design engineering within the automotive industry, a journey that began in 2004. Twelve years ago, my family and I embarked on a new chapter by moving to Luxembourg, a decision that has significantly shaped my professional and personal life. Initially, I delved into the workforce as an employee, but as my experience and aspirations grew, I transitioned into freelancing. This evolution of my career eventually led me to establish my own company, laying the foundation for what is now a thriving mobility business. My venture into entrepreneurship is driven by a passion for innovation and sustainability in transportation, aiming to redefine mobility for the future. What's your entrepreneurial journey? How did you get started with Custowner Mobility? My entrepreneurial journey with Custowner Mobility has been deeply influenced by my extensive travels across Europe, where conversations with locals vividly highlighted the pressing issue of climate change. These encounters were eye-opening, driving home the realization that we are all part of the problem. However, with this acknowledgment comes the responsibility to mitigate our impact on the environment. Observing the daily traffic congestion in Luxembourg further solidified my belief in the necessity for a transformative solution. The genesis of Custowner Mobility stemmed from a personal desire for a more sustainable and efficient mode of transportation. The realization struck that owning a car was no longer appealing; what I sought was a service that could offer the flexibility of leasing or renting small electric vehicles for daily commutes, coupled with the option to rent minibuses for family vacations. This idea wasn't just about offering an alternative to car ownership but about revolutionizing our approach to mobility. With this vision, Custowner Mobility was born, aiming to introduce a shared mobility service that not only addresses the environmental concerns but also caters to the practical mobility needs of the community. Our initiative seeks to inspire a shift towards sustainable living, encouraging people to reconsider their transportation choices for a greener future. What do you offer with Custowner Mobility and what's innovative and fresh about it? "Custowner" is a blend of the words "customer" and "owner," referring to a business model where the customers of a company also have an ownership stake or influence in the company's operations. At Custowner Mobility, we redefine the concept of mobility by merging the essence of being both a customer and an owner into one innovative platform. Our unique business model empowers users not just to avail themselves of shared mobility services but to also take part in the governance and financial aspects of the mobility ecosystem. We offer an array of shared mobility services, providing a sustainable alternative to private vehicle ownership. This includes access to e-bikes, small electric vehicles (EVs), and minibuses, all aimed at making urban and rural transportation more accessible and environmentally friendly. What sets Custowner Mobility apart is our pioneering tokenization solution. This platform offers an unprecedented opportunity for individuals and communities to invest in local shared mobility fleets. By investing, users gain not just a financial stake but also voting rights, enabling them to actively participate in shaping the mobility solutions that define their cities. Our approach is designed to make cities more livable by fostering a sense of community ownership and responsibility. It's about creating a sustainable future where transportation is shared, efficient, and tailored to the needs of the community. With Custowner Mobility, we're not just offering a service; we're inviting everyone to be a part of the mobility revolution. What are you most proud of personally and about Custowner? We should have an alternative mobility solution to move away from the individual car ownership. Shared mobility cooperation is already exists in many country, based on their success we are settling the first mobility coop in Luxembourg. On a personal level, what fills me with immense pride is the relentless pursuit and acquisition of knowledge, especially during the challenging times of the COVID-19 pandemic. I immersed myself in numerous online courses covering critical topics like cycling infrastructures, sustainable cities, urban mobility, and climate change. This period of learning not only enriched my understanding but also significantly contributed to the foundational principles of Custowner. It empowered me to push boundaries and lay the groundwork for a cooperative that champions shared mobility. As for Custowner, our pride stems from pioneering the first mobility cooperative in Luxembourg, inspired by the successes of shared mobility initiatives across the globe. We are not just introducing an alternative to individual car ownership; we are cultivating a community-centric model that actively involves citizens as stakeholders and participants. This collaborative approach, underpinned by partnerships and stakeholder agreements, is what I believe will drive our success. Our mission at Custowner is to offer a sustainable mobility solution that resonates with the needs and aspirations of the community. It's about creating a movement towards a greener, more connected, and less congested urban environment. The pride I feel for what we have started and the potential of what we can achieve together is immeasurable. What are your hobbies and interests? I really like to hiking, and travel, especially to the mountains and to the seaside. I prefer to stay in the nature… we spent many our family vacations in camping, where we hear the singing birds at early morning… What's your favourite spot in Luxembourg? I like to cycle through the rural areas – you will see a real different side of the country. I empower everybody to take their bike with a train to Diekirch and ride to Gravenmacher at the side of the Sure. You can ride together with your family, and spend nice time within local restaurants as well. What's your top 3-recommendations for a new comer in Luxembourg? 1 spend your time in the nature, 2 learn and practice languages, this is the perfect place to improve your language skills. 3 Travel a lot, within Luxembourg, the region or abroad… you will remember forever those events… What's your favourite quote? “If you really want to do something, you will find the way. Otherwise, you will find the excuse" - Jim Rohn What would you say would be the recommendations of people who want to start their own business today? For those embarking on the journey of starting their own business today, I'd share insights drawn from both my professional experiences and my commitment to sustainability. Firstly, recognize the profound responsibility we carry as the stewards of our planet. Our innovations and enterprises should not only seek profit but also contribute positively to the world. We are indeed the most intelligent species, yet our actions have often led to the detriment of the Earth. As entrepreneurs, we have the unique opportunity to drive change, to create businesses that preserve and enhance our environment for future generations. Building a strong network is crucial. Engage with your community, connect with local businesses, and immerse yourself in learning from every possible source. Understand the needs and aspirations of the people your business will serve. The insights gathered from these interactions are invaluable, guiding you to tailor your offerings in ways that truly resonate with your audience. Remember, entrepreneurship is not just about identifying gaps in the market; it's about understanding the impact of filling those gaps. Strive to be a part of the solution, leveraging your business as a platform for positive change. As you navigate the complexities of starting and growing your business, let your mission be guided by a vision of a better world, sustained by your actions and innovations. Like to get in touch with Norbert? luxembourgexpats.lu/local-business/cars-motors-and-bicycles/1100001440 mobility@custowner.com

Technology

How a Photovoltaic Installation Works

1. Introduction: Definition and Significance of Photovoltaic Installation A photovoltaic installation, more commonly known as a solar power system, represents a significant leap in the way we harness energy. At its core, this technology involves converting sunlight, one of the most abundant and renewable sources of energy on our planet, into electrical power. This process is achieved through the use of solar panels, which contain photovoltaic cells that capture solar radiation and transform it into usable electricity. The significance of photovoltaic installations extends far beyond their basic functionality. In an age where environmental concerns are paramount, these systems stand out as beacons of sustainability. They offer a clean, green alternative to traditional fossil-fuel-based energy sources, significantly reducing the carbon footprint of their users. By generating electricity without emitting greenhouse gases, they contribute markedly to the fight against climate change and the global push for a more sustainable future. The versatility and scalability of photovoltaic systems also add to their appeal. They can be installed in a variety of settings, from small residential rooftops to large-scale solar farms, and in diverse geographic locations. This adaptability makes them suitable for both urban and rural areas, contributing to energy equity and accessibility. Moreover, advancements in photovoltaic technology continue to enhance their efficiency and functionality. Innovations such as bifacial solar panels, which capture sunlight from both sides, and integrated battery storage systems are making solar power more efficient and reliable than ever before. In conclusion, the role of photovoltaic installations in today’s world cannot be overstated. They represent a critical step toward a more sustainable and economically viable future, offering a solution that benefits both the planet and its inhabitants. As technology progresses and awareness of environmental issues grows, photovoltaic installations are poised to play an increasingly important role in global energy strategies. 2. History and Development of Photovoltaic Technology Photovoltaics has its roots in the 19th century, but the dynamic development of this technology has occurred in recent decades. From simple panels to advanced systems, photovoltaics has come a long way. 3. Basic Components of a Photovoltaic Installation Each photovoltaic installation consists of several key elements: solar panels, an inverter, a mounting system, and an energy meter. Each of these components plays a vital role in the efficient functioning of the entire system. 4. How Does a Solar Panel Work? Solar panels work by converting sunlight into electricity through photovoltaic (PV) cells, commonly made from silicon. When sunlight hits these cells, it energizes electrons, creating an electric current. An electric field within the cell directs the electrons, leading to a flow of electricity. This current is initially direct current (DC) and is converted into alternating current (AC) by an inverter for use in homes and businesses. The efficiency of solar panels depends on the material and design of the PV cells. Advances in technology have led to different types of solar panels with varying efficiencies. Protective layers and anti-reflective coatings enhance durability and light absorption. The panels are typically framed in aluminum for structure and ease of installation. 5. Inverter: The Heart of the Installation In photovoltaic systems, an inverter plays a crucial role by converting the direct current (DC) electricity generated by solar panels into alternating current (AC) electricity. This conversion is essential because AC is the standard type of electricity used in homes and businesses for operating appliances and electronics. The inverter ensures that the solar power generated is compatible with the electrical grid and can be either used immediately on-site or fed back into the grid. Additionally, modern inverters often come with additional functionalities such as system monitoring, maximizing energy production, and providing safety features like automatic shutdown in case of a power outage. Therefore, this is one of the points that you need to understand to learn how a photovoltaic installation works. 6. Installation and Mounting of the Photovoltaic System The process of installing photovoltaics depends on many factors, including the choice of location and type of mounting system. Installation must be carried out by qualified professionals to ensure safety and efficiency of the system. 7. Integration with the Power Grid Photovoltaic installations can be connected to the local power grid, allowing for the exchange of surplus energy on favorable terms. This is an important economic and technical aspect of photovoltaic systems. 8. Performance and Efficiency of the Installation The efficiency of a photovoltaic installation depends on many factors, such as placement, panel type, and atmospheric conditions. Monitoring efficiency is key to optimizing system performance. 9. Maintenance and Upkeep of the System For example regular inspections and proper maintenance are essential to maintain high efficiency and longevity of a photovoltaic installation. This includes cleaning the panels and also  checking the technical condition of components. 10. Financial Benefits and Subsidies Investing in photovoltaics offers significant financial benefits, including the possibility of obtaining subsidies and tax breaks. The return on investment depends on many factors, including local conditions and energy policy. 11. Environmental Impact and Sustainable Development Photovoltaic installations contribute to reducing CO2 emissions and promote sustainable development. They represent an ecological alternative to traditional energy sources. 12. Trends and Future of Photovoltaics The photovoltaic sector is one of the fastest-growing in the energy industry. Technological innovations and increasing interest in renewable energy sources are driving its development. 13. Use Cases and Case Studies Photovoltaics find application in both private homes and industry. Case studies show the diversity of applications and benefits of this technology. 14. Challenges and Limitations of Photovoltaics Despite many advantages, photovoltaics encounter various technical and regulatory challenges. The development of this technology requires further investment and political support. 15. Conclusion: Why Invest in Photovoltaics In conclusion finally, photovoltaics offer many benefits, both economic and ecological. Knowing how a photovoltaic installation works allows you to better understand why choosing renewable energy is so important for the environment and for all of us. It is an investment in the future, shaping the way we think about and use energy. FAQ 1. How long does it take to see a return on investment in photovoltaics? The return on investment for photovoltaic systems can vary depending on the size of the installation, local energy prices, and available subsidies. Typically, homeowners begin to see a return within a few years, making it a financially sound long-term investment. 2. Does a photovoltaic installation require special maintenance? Photovoltaic installations require minimal maintenance, primarily involving regular cleaning of the panels and periodic checks of the system components to ensure everything is functioning correctly. This low maintenance requirement adds to the appeal of solar energy. 3. What are the main benefits of owning a photovoltaic installation? The primary benefits include significant savings on electricity bills, also reducing one’s carbon footprint, contributing to environmental sustainability, and increasing property value. Additionally, solar energy provides a reliable source of power and independence from the traditional energy grid. 4. What are the latest trends in photovoltaic technology? Recent trends in photovoltaic technology include the development of more efficient and aesthetically pleasing solar panels, integration with smart home technology, and advancements in energy storage solutions like solar batteries. There is also a growing focus on making solar energy more accessible and affordable for a broader range of consumers. Now that you know how a photovoltaic installation works, you can learn about available subsidies, please visit our “Funding” tab or the “KlimaBonus” website. We encourage you to contact our advisor who will present all the possibilities and tailor the installation for you. Contact us by phone: +352 661 444 831 or fill out the Contact Form

News

Luxembourg: Weekly Roundup

Vietnam and Luxembourg celebrated 50 years of diplomatic relations last month.Vietnam and Luxembourg have a long and productive trading history. Trade Overview: Luxembourg-Vietnam (vietnam-briefing.com) One London-based dating expert told MailOnline LinkedIn could be a clever and extremely efficient way of researching potential matches to see if they'd be compatible Single people shun Tinder and turn to LINKEDIN to find love as business platform allows them to filter potential matches by career and education - but experts warn it can spark affairs | Daily Mail Online Amazon has secured a major legal victory as the European Union's top court ruled in favour of the tech giant. The court stated that it does not have to pay $273 million in back taxes to Luxembourg. wionews.com/videos/amazons-tax-deal-with-luxembourg-deemed-legal-world-business-watch-669863 Luxembourg recorded the highest level of AIC per capita in the EU at 38% above the EU average, followed by Austria and Germany (both 18% above), the Netherlands (16% above) and Belgium (15% above). In 2022, nine EU countries recorded an AIC per capita above the EU average. ec.europa.eu/eurostat/web/products-eurostat-news/w/ddn-20231214-2? What do our American expats feel about it? ‘The American dream is to leave America.’ The US TikTokers revealing what life is like abroad edition.cnn.com/travel/us-tiktokers-revealing-what-life-is-like-abroad/index.html? OIL IS CHEAPER IN ONE OF THE RICHEST EUROPEAN COUNTRIES – LUXEMBOURG. oil and fats in Croatia are more expensive than they are in Luxembourg, France, Denmark, and in Austria. total-croatia-news.com/news/croatia-expensive Luxembourg may be one of Europe's smallest countries, but what it lacks in size, it certainly makes up in its rich tapestry of culture and stunning landscapes. nativeplanet.com/travel-guide/europe-hidden-gem-exploring-luxembourg-gen-010455.html?

Business

Is personal income tax filing mandatory? Particularly a new comer question

Are you a newcomer to Luxembourg? Or you may have stayed for many years and never filed for tax. Wondering when to file and when you're not required to file? Here we have some quick answers. First, the timing: Tax filing is for one full year. 1 Jan to 31 December. You've a maximum of one year to file your taxes. i.e. 2023 taxes can be filed before 31 December 2024. Second, is tax filing mandatory? It depends So, let's first differentiate between two tax payers that are common in Luxembourg. Those employees of the European institutions and those that are employed in Luxembourg tax regime. First question you need to ask yourself is, is my salary only income or do I've other income. e.g. Income from rent, stock sale, real estate sale etc. If salary is the only income, then no tax filing required as your taxes are deducted at source. But, you may still want to file the tax if you expect to deduct somethings and ask for refund. We are leaving out the deductibles, typically an accountant can help. So, now if salary is not the only income, and you have additional income, you need to complete the personal income tax filing. And, your Luxembourg salary is typically adjusted to inflation, as announced by the Luxembourg ministry. However, there is one group of employees who are exempt from Luxembourg salary and inflation adjustments. Those are the European Institution employees. European Institution employees: European institution employees are not subject to Luxembourg tax regime for income tax. They pay only European tax and are not subject to typical Luxembourg inflation increase etc. However, if the European institution employees have additional income outside their salaries, then they are requiired to file taxes. One tip, if you're making investments (stock, real estate), hold it longer than 6 months for receiving 0% capital gain tax. --- Are you looking for an accountant who can ease your filing burden? Contact ACAR accounting luxembourgexpats.lu/local-business/accounting-and-tax/1100001335

News

Luxembourg: Weekly Roundup

Luxembourg was one of seven countries to take part in the first Eurovision Song Contest in 1956.  Eight finalists in the Luxembourg Song Contest, the nation’s selection for Eurovision 2024 will be revealed on December 11. eurovoix.com/2023/12/10/luxembourg-song-contest-finalists-to-be-revealed-on-december-11 Leaning tower may collapse?   edition.cnn.com/travel/article/bologna-garisenda-leaning-tower-collapse/index.html? The European towns and cities that are magical at Christmas. edition.cnn.com/travel/european-towns-and-cities-that-look-like-christmas/index.html? “The train shall stop in Luxembourg”: AG Ćapeta stands for fundamental rights jurisdiction in CFSP action.   Op-Ed: “The train shall stop in Luxembourg”: AG Ćapeta stands for fundamental rights jurisdiction in CFSP action (Joined cases KS and KD C-29/22 P and C-44/22 P)” by Francesca Bandini and Walter Bruno - EU Law Live Luxembourg is the most underrated choice for a winter getaway. The European nation stands out for its gorgeous castles and free public transportation. insider.com/why-luxembourg-is-best-europe-destination-for-winter-vacation-2023-11 French utility Engie won its fight against an EU order to pay 120 million euros ($130 million) in back taxes to Luxembourg, a blow to the European Commission's crackdown on sweetheart deals between EU nations and multinationals. reuters.com/business/energy/engie-wins-court-fight-against-130-mln-eu-tax-order-2023-12-05? In 2021, the employment of 30.4 million in the EU was supported by exports to non-EU countries (15% of total employment) (25% Luxembourg) ec.europa.eu/eurostat/en/web/products-eurostat-news/w/DDN-20231204-1 Find love wherever you can ...there is no set place for it Singles Are Finding Love in Unusual Places Online (wsj.com)

News

Luxembourg: Weekly Roundup

The Luxembourg Song Contest will take place on Saturday January 27th 2024, live from the Rockhal venue in the Luxembourg city of Esc-sur-Alzette.   Luxembourg 2024: Name of the national contest is "Luxembourg Song Contest" - ESCplus (esc-plus.com) “We expect inflation to continue to decelerate in 2024, as the lagged impact of interest-rate rises starts affecting economic activity, and in turn, consumer demand,” Upasana Dutt, Head of Worldwide Cost of Living at EIU, said in a statement. edition.cnn.com/2023/11/30/travel/the-worlds-most-expensive-cities-to-live-in-for-2023/index.html? Xavier Bettel, the Luxembourg Foreign Minister, has addressed the Russian delegation directly during his speech at the OSCE ministerial meeting, saying that real power lies in ending the suffering of millions of people. Luxembourg's Foreign Minister emotionally addresses Russia's delegation at OSCE meeting (yahoo.com) Eurostar services from the Netherlands to London will be suspended for six months from June next year. Passengers from Amsterdam and Rotterdam to London will be required to change trains in Brussels. bbc.com/news/world-europe-67544997 “Providing a secure and reliable digital wallet solution that is easy to use and offers documents that are recognised throughout Europe is a major objective of the Ministry for Digitalisation.” nfcw.com/2023/11/29/386759/luxembourg-to-trial-digital-identity-wallet-as-part-of-eu-pilot The world-famous Blue Lagoon thermal pool in the area has already closed due to the ongoing seismic activity. Iceland declares state of emergency, evacuates over threat of volcanic eruption | CNN Four companies from Luxembourg are operating in West Bengal. Representatives of these companies — Rotarex, Boson Energy, Ceratizit, and Amer Sil Ketex — made separate presentations at the country session held at Biswa Bangla Mela Prangan as part of the BGBS Luxembourg welcomes new policies on green energy, looks for expansion | Kolkata News - The Indian Express

Resources

A talk with Caroline Medinger from Medinger-Architecture

In our Featured Story Series (FSS), we connected with the founder of  Medinger-Architecture, Caroline Medinger. We have a particular fondness for entrepreneurs, and today we would like to introduce you to one Caroline Medinger who has been designing modern, simple and pared-down architecture in Luxembourg since 2014. Let's have a quick introduction about yourself. Where are you from and what do you do? Hello, I am Caroline Medinger, originally from Luxembourg, I work as an architect and business owner in Contern where I also live with my British husband and two children. What's your entrepreneurial journey? How did you get started with Medinger-Architecture? After my Masters in architecture at the Université libre de Bruxelles I have worked as an architect at Fassbinder architects until I felt ready to go it alone. In 2013 I decided to found my own business, starting by working a second job as a Mathematics teacher to fund the startup costs and help with initial expansion. Once I had a solid client basis, I started growing the business and hiring other architects with different fields of expertise. In 2021 I obtained an additional diploma in Urban Planning which was the next step in developing the business specializing in housing allowing us to develop housing estates and large-scale housing projects. Our team is nowb roadly positioned in this field, so that we can respond to any enquiry, from authorizations of small extensions to the planning of an urban district; our architects are trained in the renovation of historic buildings, energy improvements, modern new builds and the list goes on. What is the importance of your work? We work for literally everyone, we are planning social housing as well as urban villas, our architecture is created with a lot of thought and experience as we know that it is life changing for our clients, which makes it a very challenging, but also a hugely satisfying job. What are you most proud of about Medinger-Architecture? It is difficult to establish a new business in this field, most companies have grown over generations and associations. Shortly after taking the decision to make a second round of growth, we were hit by Covid, horrible wars and now the recent high interest rates and building crisis. So, I guess I’m proud of our resilience and the fact we are still standing tall. Additionally, it makes me proud to say that we are an “all women” office, even though this has never been an intention. It makes me proud that we, as women, are managing to assert ourselves, in an often still male dominant environment, due to our experience and quality of work. What are your hobbies and interests? My family, when I’m not working, I try to spend most time possible with my children and partner. Another big passion is overlanding, so travelling without taking a plane. My most extreme journey took over 9 months, I got from here to Bali without taking a plane, I’ve seen very “untouristy” places in Iran, Pakistan, Tibet… but also crossed Australia and North America always with only a rucksack and sleeping in a tent most of the time. What's your favorite spot in Luxembourg? Honestly it is impossible for me to pick ones pot, I love the city itself, especially the Pétrusse and Alzette valley, but also the North, the castles….the castle in Vianden still gives me goosebumps every time I see it. I love spending time at the Moselle as it makes me feel like I’m on holiday… What's your top 3-recommendations for a newcomer in Luxembourg? Go out and explore, especially on Sundays when the shops are closed. Don’t miss all the “Dëppefester” (small celebrations), the town clubs organize, it is here that people let their hair down… - the multicultural environment is a great source for learning and understanding the world better, be open and respectful and it will enrich your life tremendously. What's your favorite quote? I don’t really have one, but I love OscarWilde, so here is one of his: “To live is the rarest thing in the world…” What would you say would be the recommendations of people who want to start their own business today? Have a chat with the Chambre of Commerce, they are very helpful and Guichet.lu is a good source of information if you don’t know where to start. Never hesitate to ask and call administrations if things are not clear. Most importantly: Just do it - you’ll only regret the things you don’t do. Visit : medinger-architecture.lu

Business

Luxembourg: Weekly Roundup

Luxembourg imposes net wealth tax (NWT) on Luxembourg companies based on their unitary value, i.e. the adjusted net asset value as determined, in principle, as at 1 January of each year, at the rate of 0.5% lexology.com/library/detail.aspx?g=c917f2f6-4be3-4221-844d-7bec60ce43fd Luxembourg (Ire) (Camelot {GB}) and Highfield Princess (Fr) (Night of Thunder {Ire}) are among 16 elite-level winners and 25 overseas-based horses that have been extended invitations to the Longines Hong Kong International Races meeting at Sha Tin Racecourse Sunday, Dec. 9. Luxembourg, Highfield Princess Among 16 Group 1 Winners Invited to Longines HKIR (thoroughbreddailynews.com) Fall foliage surrounds the sandstone formations of the Gorge du Loup in Echternach, Luxembourg. The natural wonder is right on the doorstep of Echternach, which was founded in 698 and is Luxembourg's oldest town. Spa and Echternach: Deluxe walking, gawking in Belgium and Luxembourg | Stars and Stripes The broadcaster has reported that the selection process has transitioned towards the audition phase, selecting 70 songs from 50 artists from a pool of almost 500 songs. eurovoix.com/2023/11/22/luxembourg-updates-on-selection-process-for-eurovision-2024 Doris Woltz's resignation as director of the Service de Renseignement de l'État (SRE) was formally accepted on 16 November, according to the country's legal gazette.She was leaving her post after seven years due to her "personal intent to retire from public service", according to an SRE spokeswoman. euobserver.com/world/157727 The CTC and associated Luxembourg Protocol (together, the “Convention”) aims to provide a consistent and stable legal framework for rolling stock secured creditors and lessors internationally.   wfw.com/articles/the-luxembourg-protocol-what-do-you-need-to-know? The Ministry for Digitalisation and the CTIE will participate in testing the national digital wallet against variables like speed and efficiency when verifying and onboarding a citizen to access government services.   identityweek.net/luxemburg-endeavours-to-test-four-digital-wallet-use-cases-for-european-openness?

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