Paperjam highlights our expansion into Luxembourg as a priority market for our AI-assisted mortgage underwriting platform. In the interview, our co-founder and CEO, Geert Van Kerckhoven, explains how we aim to support local lenders as the housing loan market recovers, combining end-to-end digital origination with agentic AI. He describes how our AI agent “Herman” helps credit teams verify data and apply policy checks in a transparent, auditable way—reducing manual review that can take hours down to under three minutes—and notes that, across more than 20 European lenders, this has helped cut processing costs, speed up decisions and improve conversion by 27%.
The coverage underlines what differentiates our approach: we focus on the full mortgage funnel—from lead generation through to a qualified electronic signature—while keeping regulation and auditability at the core of our product design and aligning our AI work with the EU AI Act. We’re portrayed as mortgage specialists rather than generalist lenders’ tools, with our platform already compatible with Luxembourg’s regulatory, digital identity and signing frameworks. The piece also connects our partnership with DocuSign and the strong adoption of LuxTrust to the potential for faster, more compliant digital closings in Luxembourg, and notes that while our commercial focus is on banks’ cost-to-serve, speed and conversion, homebuyers ultimately benefit from clearer, more predictable journeys and quicker decisions.
Looking ahead, we set out three strategic ambitions: to become the leading digital origination and operations platform for European lenders, to scale agentic AI across underwriting with full auditability, and to deliver step-change improvements in cost, conversion and time-to-decision. Within that roadmap, Luxembourg is presented as a priority expansion market where a concentrated lender base, strong digital ID infrastructure and recovering mortgage volumes create ideal conditions for fast, measurable impact.
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