Media release
28 September, 2021

Advancing the digital bank: Nøelse and Netcetera drive payment security forward

Afone, a French payment provider based in Angers has just launched an ambitious alternative banking project, Nøelse, which promises to change the way customers manage their money. In a previously analog market, Nøelse offers digital banking for individuals and companies with a focus on easy online access and European transactions. In order to support card-not-present transactions and protect against online fraud, they needed a solid ACS and 3DS server with top notch security. This is exactly what they found working with Netcetera.

"We were looking for a provider who could give us a solution tailored to our needs and Netcetera was exactly the right partner" says Guillaume Rousseau, CFO at Nøelse. Together, the two companies worked to create a 3DS platform supported by an ACS and implemented RiskShield, a highly configurable product from Netcetera's partner INFORM, to evaluate transaction risk. In combination, these components provide end users with a smooth and secure online payment experience.

"Nøelse has created a bold project and we are very proud to contribute to shaping the future of banking through our great collaboration." comments Benoit Ouinas, Digital Finance sales executive at Netcetera. "There are a lot of firsts in this project- our first combined 3DS Server and ACS solution plus our first important step onto the French market." After a successful initial launch in France, Nøelse is also poised to enter the Spanish, Italian and German markets in 2022 for private and corporate customers. Says Rousseau "We are excited about the future prospects for Nøelse and curious to explore other markets".

About Netcetera

Netcetera is a global software company with cutting-edge IT products and individual digital solutions in the areas of secure digital payment, financial technologies, media, transport, healthcare and insurance. More than 2,000 banks and issuers, and 150,000 merchants rely on the digital payment solutions and globally certified 3-D Secure products of the market leader for payment security. The owner-managed company covers the entire IT lifecycle, from ideation and strategy to implementation and operation. The balanced combination of the latest technologies and proven standards ensures investment security, from large-scale projects to innovative start-ups. Founded in 1996, Netcetera is a holding company with around 800 employees and is headquartered in Zurich, Switzerland, with additional locations across Europe, Asia and the Middle East.

Further information:

About Nøelse
Launched in 2021 by serial entrepreneur Philip Fournier and his teams, Noelse wants to give the power back to its clients with its new generation account.
As an alternative to traditional banks, Nøelse is 100% digital and advocates transparency, with clear and "à la carte" fees, to use at the right price and without any nasty surprises.
With 150 employees, Nøelse is already available for private and professional customers in France. It will also be available in Italy, Spain, Germany and Luxembourg in early 2022.
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