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Toggle navigation [ ](https://www.c-o-e.com/) - [Home](https://www.c-o-e.com/) - [Philosophy](https://www.c-o-e.com/#philosophy) - [Services](https://www.c-o-e.com/#consultation) - [Ecosystem](https://www.c-o-e.com/#ecosystem) - [Founders](https://www.c-o-e.com/#team) - [Articles](https://www.c-o-e.com/#articles) - [Contact](https://www.c-o-e.com/#contact) - [Press](https://www.c-o-e.com/press) - [Investors](https://www.c-o-e.com/under-construction) - [Careers](https://www.c-o-e.com/career) - [Intranet](https://www.c-o-e.com/under-construction) - [Clients](https://www.c-o-e.com/under-construction) - [Our Impact](https://www.c-o-e.com/our-impact-2) - [Home](https://www.c-o-e.com/) - [Philosophy](https://www.c-o-e.com/#philosophy) - [Services](https://www.c-o-e.com/#consultation) - [Ecosystem](https://www.c-o-e.com/#ecosystem) - [Founders](https://www.c-o-e.com/#team) - [Articles](https://www.c-o-e.com/#articles) - [Contact](https://www.c-o-e.com/#contact) - [Press](https://www.c-o-e.com/press) - [Investors](https://www.c-o-e.com/under-construction) - [Careers](https://www.c-o-e.com/career) - [Intranet](https://www.c-o-e.com/under-construction) - [Clients](https://www.c-o-e.com/under-construction) - [Our Impact](https://www.c-o-e.com/our-impact-2) - [Sign Up](https://www.c-o-e.com/signup) - [Login](https://www.c-o-e.com/login) - [Press](https://www.c-o-e.com/press) - [Investors](https://www.c-o-e.com/under-construction) - [Careers](https://www.c-o-e.com/career) - [Intranet](https://www.c-o-e.com/under-construction) - [Clients](https://www.c-o-e.com/under-construction) - [Our Impact](https://www.c-o-e.com/our-impact-2) # c-o-e Corporate Website Homepage [](https://player.vimeo.com/video/103813288?title=0&byline=0&portrait=0&color=cfad40&autoplay=1 "Watch c-o-e company presentation")  [](https://www.c-o-e.com/#contact)  [](https://www.c-o-e.com/career)  [](https://www.c-o-e.com/our-impact-2)  [Scroll](https://www.c-o-e.com/#philosophy) > Do not follow where the path may lead. Go, instead, where there is no path and leave a trail. Ralph Waldo Emerson ## OUR PHILOSOPHY  ### Simplicity Simplicity is the ultimate sophistication. *Leonardo da Vinci*  ### Expertise An investment in knowledge pays the best interest. *Benjamin Franklin*  ### Quality It’s a funny thing about life; if you refuse to accept anything but the best, you very often get it. *W. Somerset Maugham*  ### Clarity If you can’t explain it simply, you don’t understand it well enough. *Albert Einstein*  ### Excellence Excellence is the gradual result of always striving to do better. *Pat Riley*  ### Pragmatism Think like a man of action, act like a man of thought. *Henri Louis Bergson*  ### Trust In a networked world, trust is the most important currency. *Eric Schmidt, University of Pennsylvania Commencement Address, 2009*  ### Fun & Friendship The best ideas come as jokes. Make your thinking as funny as possible. *David Ogilvy* [Scroll](https://www.c-o-e.com/#consultation) > The man who will use his skill and constructive imagination to see how much he can give for a dollar, instead of how little he can give for a dollar, is bound to succeed. Henry Ford ## Featured Services Toggle Dropdown - [All Services](https://www.c-o-e.com/#featured-consultation) - [Business Consulting](https://www.c-o-e.com/#business_consulting) - [Financial Services](https://www.c-o-e.com/#financial-services) - [Information Management](https://www.c-o-e.com/#information-management) - [Packages](https://www.c-o-e.com/#packages) - [ Click to view](https://www.c-o-e.com/)  [411 ](https://www.c-o-e.com/wp-content/themes/coe/ajax/like.php?post_id=1473&like=1) 0 Comment ### [Where cyber security is simple & meets your daily reality](https://www.c-o-e.com/ease-your-it-security) Albert Einstein believed that “The only source of knowledge is experience”. We share this belief, and leverage on 25 years of experience in IT security and a wide knowledge of the financial industries and their risks to help you stay one step ahead of cyber threats. Click the **Explore** button to discover how we can ease your journey to a safer organisation without jeopardizing the business requirements\! [Explore](https://www.c-o-e.com/ease-your-it-security) - [ Click to view](https://www.c-o-e.com/)  [302 ](https://www.c-o-e.com/wp-content/themes/coe/ajax/like.php?post_id=1481&like=1) 0 Comment ### [Unleash PSD2 Real Potential\!](https://www.c-o-e.com/become-a-psd2-rockstar) Become a **PSD2** rockstar! **PSD2** Directive is a challenge and you can have multiple reasons to embrace and implement the Directive: be compliant, for sure! But since its implementation is not a trivial matter, why not leverage on it and the related investments to create tremendous value out of it? To improve your IT systems TCO (total cost of ownership), ease their management, get integrated with your partners with ease and securely, provide new services to your clients, and much more. Click the **Explore** button and discover how you can monetize your PSD2 implementation\! [Explore](https://www.c-o-e.com/become-a-psd2-rockstar) - [ Click to view](https://www.c-o-e.com/)  [1109 ](https://www.c-o-e.com/wp-content/themes/coe/ajax/like.php?post_id=532&like=1) 0 Comment ### [SPHERICS](https://www.c-o-e.com/spherics) **S**PHERICS is a **P**erformant, **H**andy, **E**volving, **R**eliable, **I**nspiring and **C**omplete **S**olution Have you ever thought about the time you spend doing things that are repetitive, reminding colleagues of things, re-sending documents to people you work with? Have you ever thought of what you could achieve if you could get this time back? We created **SPHERICS** with a single objective in mind: to help our clients (and ourselves) to take back control of their time by allowing them to run their job **smoothly**. Feeling ready for changing your work? Click the **Explore** button and get started\! [Explore](https://www.c-o-e.com/spherics) - [ Click to view](https://www.c-o-e.com/)  [836 ](https://www.c-o-e.com/wp-content/themes/coe/ajax/like.php?post_id=523&like=1) 0 Comment ### [(ES)2](https://www.c-o-e.com/es2) Is your business doing **great**? Congrats! Then **(ES)2 is for you\!** Is your business having a **difficult time**? Relax! Because **(ES)2 is for you\!** At c-o-e, we usually don't like the one-size-fits-all approach. Though, it does happen that a simple principle fits a variety of situations, from one end of the spectrum to the other: (ES)2 is a **tailor-made offer** designed to help you spend your money **better**. This is **not** about spending **more money**. This is **not** about spending **less money**. This is about **getting the most value** out of what you spend. [Explore](https://www.c-o-e.com/es2) - [ Click to view](https://www.c-o-e.com/)  [743 ](https://www.c-o-e.com/wp-content/themes/coe/ajax/like.php?post_id=548&like=1) 0 Comment ### [Functional analysis & Decision support](https://www.c-o-e.com/functional-analysis-decision-support) Sometimes in business you arrive a crossover where you have to make a **decision**. May it result from new **business needs**, from an evolution of the **regulatory environment** or from a need to renew a **deprecated system**, the choice you make could **unleash your business... or cripple it.** Our experts help you finding the best path by: - Formalising **your needs** - Informing you about applicable **regulatory constraints** - Supporting you in the selection of the **appropriate technology** [Explore](https://www.c-o-e.com/functional-analysis-decision-support) - [ Click to view](https://www.c-o-e.com/)  [683 ](https://www.c-o-e.com/wp-content/themes/coe/ajax/like.php?post_id=543&like=1) 0 Comment ### [Start-up package](https://www.c-o-e.com/start-up-package) Are you **starting your business?** or **expanding to a new country?** You have a lot of things to do, even more to think of... your **time and energy** is probably far better spent on your business than on logistics considerations. That's why we support you in your project **everywhere you need it**. Our start-up package is a both **complete and modular offering**: IT, offices, legal assistance, business plan, marketing and communication, selection of service providers... [Explore](https://www.c-o-e.com/start-up-package) - [ Click to view](https://www.c-o-e.com/)  [712 ](https://www.c-o-e.com/wp-content/themes/coe/ajax/like.php?post_id=540&like=1) 0 Comment ### [Training on Information Management](https://www.c-o-e.com/im-training) Tell us what you want to learn, we will organise a **tailor-made training** for you\! We offer trainings on **Information Management** in the broadest sense, and we adapt their nature and depth to suit the learning needs of **all types of public**: - **Business Analysts**: we focus on the **functional capabilities**, mixed with sufficient technical information for participants to be able to imagine solutions requirements that meet both business objectives and technical constraints - **Management**: we focus on **what you need to make strategic decisions**. The training is a journey that takes participants, step by step, from business & regulatory hot topics to concepts, trends and best practices that will help them better understand the ins & outs, thus making better decisions in this field. No technical background is required: the concepts are presented in a pragmatic way, using infographics and pragmatic exemples. - **IT professionals**: **technical trainings** whose depth and precise focus are tailored to participants expectations. [Explore](https://www.c-o-e.com/im-training) - [ Click to view](https://www.c-o-e.com/)  [732 ](https://www.c-o-e.com/wp-content/themes/coe/ajax/like.php?post_id=529&like=1) 0 Comment ### [IT Strategy](https://www.c-o-e.com/it_strategy) IT was once **a tool**. Then it became the **heart** of business. But the world keeps evolving and with it shall the metaphor: now that almost all companies have invested in it, IT does not pulse business anymore. It has become the **immune system** of business, for technological lag opens the door for disruptive innovation by new entrants. Do you remember the time when telecom operators would ask their client to pay for SMS? Then Whatsapp entered the market and kicked them out of it. It was so long ago, right? Was it? Give it a second thought... was it, really? **Don't let your business get Whatsapped\!** [Explore](https://www.c-o-e.com/it_strategy) [Prev](https://www.c-o-e.com/)[Next](https://www.c-o-e.com/) [Prev](https://www.c-o-e.com/)[Next](https://www.c-o-e.com/)  [411 ](https://www.c-o-e.com/wp-content/themes/coe/ajax/like.php?post_id=1473&like=1) 0 Comment ### [Where cyber security is simple & meets your daily reality](https://www.c-o-e.com/ease-your-it-security) Albert Einstein believed that “The only source of knowledge is experience”. We share this belief, and leverage on 25 years of experience in IT security and a wide knowledge of the financial industries and their risks to help you stay one step ahead of cyber threats. Click the **Explore** button to discover how we can ease your journey to a safer organisation without jeopardizing the business requirements\! [Explore](https://www.c-o-e.com/ease-your-it-security) [Scroll](https://www.c-o-e.com/#ecosystem) > I have found no greater satisfaction than achieving success through honest dealing and strict adherence to the view that, for you to gain, those you deal with should gain as well. Alan Greenspan ## Our Ecosystem - [Our Clients](https://www.c-o-e.com/#eco_clients) - [Our Partners](https://www.c-o-e.com/#eco_partners) Our clients are our best credentials and the reason we are undertaking all these challenges successfully\! Below is a selection of clients we are fortunate to work with:  #### ING Bank & AM  #### SPF Finance Public Sector  #### SG – ex Société Générale Bank  #### AG2R La Mondiale Insurance  #### BCEE Bank  #### BGL – BNP Paribas Bank  #### Eurobank Bank  #### HSBC Bank  #### ING Bank & AM  #### SPF Finance Public Sector  #### SG – ex Société Générale Bank  #### AG2R La Mondiale Insurance  #### BCEE Bank  #### BGL – BNP Paribas Bank  #### Eurobank Bank  #### HSBC Bank Previous Next Partnerships are in our DNA. We do what we are the best at, and we select top of the notch partners to help us consistently deliver the best possible services to our clients: better than yesterday and still not as great as tomorrow\!  #### VMWare Business Partner  #### Red Hat The world’s open source leader  #### Microsoft Business Partner  #### Cisco Business Partner  #### IBM Business Partner  #### VMWare Business Partner  #### Red Hat The world’s open source leader  #### Microsoft Business Partner  #### Cisco Business Partner  #### IBM Business Partner  #### VMWare Business Partner  #### Red Hat The world’s open source leader  #### Microsoft Business Partner Previous Next [Scroll](https://www.c-o-e.com/#team) > Perpetual optimism is a force multiplier Colin Powell ## The Founder  ### Bernard d'Avout Chief Executive Officer Email: bernard.davout@c-o-e.com Luxembourg: \+352 28 80 20 1 France: \+33 (0)7 88 40 80 55 [More Info](https://www.c-o-e.com/team/bernard-davout) [Scroll](https://www.c-o-e.com/#articles) > Discovery consists of seeing what everybody has seen and thinking what nobody has thought. Albert Szent-Györgyi ## Recent Articles #### Select a Category Toggle Dropdown - [All Articles](https://www.c-o-e.com/#articles) - [Amazing Facts](https://www.c-o-e.com/#amazing-facts) - [Buzz-words Series](https://www.c-o-e.com/#buzz-words-series) - [Funny News](https://www.c-o-e.com/#funny-news) - [Innovation/Management Series](https://www.c-o-e.com/#innovationmanagement-series) - [Reflexion](https://www.c-o-e.com/#reflexion) - [Technical Publication](https://www.c-o-e.com/#technical-publication) Search 2020 16 December  Innovation/Management Series ### [Does home working work?](https://www.c-o-e.com/does-home-working-work) About 5 years ago How would you feel about getting a say on stopping your daily commute to work during nine entire months? This is the question that Ctrip, a NASDAQ-listed Chinese travel agency asked to its call-center employees in 2010, ... [Read more](https://www.c-o-e.com/does-home-working-work) [0 Comment](https://www.c-o-e.com/does-home-working-work#comments) [920 ](https://www.c-o-e.com/wp-content/themes/coe/ajax/like.php?post_id=594&like=1) 2020 10 December  Amazing Facts ### [Where does the Tooth Fairy go when we grow up?](https://www.c-o-e.com/where-does-the-tooth-fairy-go-when-we-grow-up) About 5 years ago If you had a hard time waking up today, the following may not help for tomorrow morning. Sleeping is the single most time-consuming activity in our lives. We are not going to emphasize on how important sleep is. We all k... [Read more](https://www.c-o-e.com/where-does-the-tooth-fairy-go-when-we-grow-up) [0 Comment](https://www.c-o-e.com/where-does-the-tooth-fairy-go-when-we-grow-up#comments) [862 ](https://www.c-o-e.com/wp-content/themes/coe/ajax/like.php?post_id=590&like=1) - Prev - 1 - Next [Scroll](https://www.c-o-e.com/#contact) > There are no foolish questions, and no man becomes a fool until he has stopped asking questions. Charles Proteus Steinmetz ## Contact Us #### Email Address contact@c-o-e.com #### Phone Number \+352 28 80 20 1 #### C-O-E Addresses  Luxembourg Office 23 avenue Pasteur L-2311 Luxembourg Phone: +352 28 80 20 1   This page can't load Google Maps correctly. | | | |---|---| | [Do you own this website?](https://developers.google.com/maps/documentation/javascript/error-messages?utm_source=maps_js&utm_medium=degraded&utm_campaign=keyless#api-key-and-billing-errors) | OK |  ### Quick Links - [Homepage](https://www.c-o-e.com/) - [Philosophy](https://www.c-o-e.com/#philosophy) - [Services](https://www.c-o-e.com/#consultation) - [Ecosystem](https://www.c-o-e.com/#ecosystem) - [Founders](https://www.c-o-e.com/#team) - [Articles](https://www.c-o-e.com/#articles) - [Contact](https://www.c-o-e.com/#contact) ### Latest Tweets - Great news! The connectivity between our website and our twitter account [@coe\_sa](https://twitter.com/coe_sa) is restored! Well done guyz\! [June 18, 2015 9:26 pm](https://twitter.com/coe_sa/status/611646152614748162) - Very excited to announce we are soon launching the new c-o-e website! Entering into final test phase. [November 16, 2014 7:15 pm](https://twitter.com/coe_sa/status/534062100138975232) ### Follow Us On - [Visit us on Google+](https://plus.google.com/+Coe_lu) - [Visit us on Facebook](https://www.facebook.com/councilofexperts) - [Follow us on LinkedIn](https://www.linkedin.com/company/c-o-e) - [Follow us on Twitter](https://www.twitter.com/coe_sa) - [Subscribe to our RSS feed](https://www.c-o-e.com/feed) - [Visit our Vimeo channel](https://vimeo.com/channels/816437) - [Follow us on Viadeo](https://lu.viadeo.com/fr/company/c-o-e) - [Discover our Pinterest](https://www.pinterest.com/coe_sa) - [Instagram](https://www.instagram.com/coe_lu) [Terms & Conditions](https://www.c-o-e.com/terms-and-conditions/) . [Privacy Policy](https://www.c-o-e.com/privacy-policy/) . 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## c-o-e Corporate Website Homepage > Do not follow where the path may lead. Go, instead, where there is no path and leave a trail. Ralph Waldo Emerson ## OUR PHILOSOPHY  ### Simplicity Simplicity is the ultimate sophistication.  ### Expertise An investment in knowledge pays the best interest. *Benjamin Franklin*  ### Quality It’s a funny thing about life; if you refuse to accept anything but the best, you very often get it. *W. Somerset Maugham*  ### Clarity If you can’t explain it simply, you don’t understand it well enough. *Albert Einstein*  ### Excellence Excellence is the gradual result of always striving to do better. *Pat Riley*  ### Pragmatism Think like a man of action, act like a man of thought. *Henri Louis Bergson*  ### Trust In a networked world, trust is the most important currency. *Eric Schmidt, University of Pennsylvania Commencement Address, 2009*  ### Fun & Friendship The best ideas come as jokes. Make your thinking as funny as possible. *David Ogilvy* > The man who will use his skill and constructive imagination to see how much he can give for a dollar, instead of how little he can give for a dollar, is bound to succeed. Henry Ford ## Featured Services > I have found no greater satisfaction than achieving success through honest dealing and strict adherence to the view that, for you to gain, those you deal with should gain as well. Alan Greenspan ## Our Ecosystem Partnerships are in our DNA. We do what we are the best at, and we select top of the notch partners to help us consistently deliver the best possible services to our clients: better than yesterday and still not as great as tomorrow\!  #### VMWare Business Partner  #### Red Hat The world’s open source leader  #### Microsoft Business Partner  #### Cisco Business Partner  #### IBM Business Partner  #### VMWare Business Partner  #### Red Hat The world’s open source leader  #### Microsoft Business Partner  #### Cisco Business Partner  #### IBM Business Partner  #### VMWare Business Partner  #### Red Hat The world’s open source leader  #### Microsoft Business Partner > Perpetual optimism is a force multiplier Colin Powell ## The Founder  ### Bernard d'Avout Chief Executive Officer Email: bernard.davout@c-o-e.com Luxembourg: \+352 28 80 20 1 France: \+33 (0)7 88 40 80 55 [More Info](https://www.c-o-e.com/team/bernard-davout) > Discovery consists of seeing what everybody has seen and thinking what nobody has thought. Albert Szent-Györgyi ## Recent Articles Select a Category  Innovation/Management Series ### [Does home working work?](https://www.c-o-e.com/does-home-working-work) About 5 years ago How would you feel about getting a say on stopping your daily commute to work during nine entire months? This is the question that Ctrip, a NASDAQ-listed Chinese travel agency asked to its call-center employees in 2010, ... [Read more](https://www.c-o-e.com/does-home-working-work)  Amazing Facts ### [Where does the Tooth Fairy go when we grow up?](https://www.c-o-e.com/where-does-the-tooth-fairy-go-when-we-grow-up) About 5 years ago If you had a hard time waking up today, the following may not help for tomorrow morning. Sleeping is the single most time-consuming activity in our lives. We are not going to emphasize on how important sleep is. We all k... [Read more](https://www.c-o-e.com/where-does-the-tooth-fairy-go-when-we-grow-up) - Prev - 1 - Next > There are no foolish questions, and no man becomes a fool until he has stopped asking questions. Charles Proteus Steinmetz ## Contact Us  This page can't load Google Maps correctly.