General Purpose AI (ChatGPT etc.) vs. Ratiofy.lu Documents
| Criteria | Generic AI (ChatGPT/Gemini)(The “Fast Intern”) | Ratiofy.lu Templates(The “Director Review”) |
| Data Source | Snapshot of the Past. Limited by training cutoff dates. | Live Ecosystem. Updated constantly via our Daily News Platform. |
| Jurisdiction | Generic / Global. Often cites US, UK, or “Internet” law. | Luxembourg Specific. Tailored for local regulators, such as CSSF, CNPD, ILR, BCL. |
| Accuracy | Unreliable. Prone to “hallucinations” (inventing laws). | Verified. Every claim and citation is expert-vetted. |
| Risk Profile | High. You bear full liability and reputational damage for errors. | Low. You start with a proven, safe framework. |
AI is free, but fixing a compliance mistake, especially during an inspection, is very expensive, both reputation-wise as well as money-wise. We are the Safety and Reputation check that AI does not offer.
Simple Solutions for Complex Problems
About us
We publish free news and analysis on CSSF circulars and EU regulations. And also in the future, we will develop and provide example templates (policies and procedures, reports, checklists etc.) to the financial institutions in Luxembourg for help and education purpose. This will be for a fees, much lower compared to the traditional advisory services.
Ratiofy.Lu was founded on a simple, yet powerful principle: to transform complex regulatory compliance and cybersecurity challenges into clear, actionable, and value-driven solutions for financial institutions. With our Founder and Chief Consultant having about 20 years of hands-on experience in IT governance, cybersecurity, and regulatory advisory, our firm has had the privilege of partnering with top-tier banks, IT service organizations, and financial entities across the globe.
We believe in building our reputation by bridging the critical gap between complex technical requirements and core business needs. By specializing in ICT and security risk management, cloud security, and data privacy, we provide rock-solid compliance with key regulations like DORA, GDPR, and PSD2. We offer a sophisticated, cost-effective alternative to traditional advisory, giving you the benefit of senior-level expertise without the burden of prohibitive fees.
At Ratiofy.Lu, our passion lies in empowering our clients. We deliver the tools and knowledge needed to achieve operational security and regulatory excellence, giving you the confidence and peace of mind to focus on what you do best.
Our Mission
To empower small to medium-sized financial institutions in Luxembourg by providing them with easy to adapt example templates that protect their profit and enable them to navigate complex regulations with confidence.
Our Vision
To become the trusted and indispensable standard for efficient regulatory compliance, enabling every financial institution in Luxembourg achieve profitability and peace of mind.
Core Values
We make sure to follow the principles of:
- Clarity: Simple solutions for complex problems.
- Excellence: The standard for quality and expertise.
- Empowerment: Giving you control of your compliance.
- Integrity: The foundation of all we do.
- Efficiency: Your fast track to compliance.
Peace of Mind. Example Templates.
Why the clients say about our people…
