Democratising financial management for 450 million Europeans
Founded in Belgium by David Hennequin, HDdev develops Finance.HDdev — the first personal financial management app designed natively for all 24 EU markets, with certified PSD2 bank synchronisation and an interface available in 24 languages.
Finance.HDdev — PSD2 Open Banking
Finance.HDdev connects your bank accounts via Bridge, a payment services provider approved by the ACPR (Banque de France) and compliant with the European PSD2 directive. Our algorithms automatically categorise your transactions, generate real-time dashboards and help you reach your savings goals. Fernet/AES encryption, 100% European hosting, full GDPR compliance.
The HDdev expertise
HDdev is a Belgian software company specialising in professional web solutions since 2024. Our ecosystem includes WordPress security, performance and SEO tools used by hundreds of sites, as well as innovative SaaS solutions. This deep technical expertise in web security and scalable architecture is the foundation on which Finance.HDdev is built.
Our mission
To empower every European citizen — freelancer, family, student or retiree — to understand, master and optimise their personal finances through modern, secure and accessible tools. Financial clarity is a right, not a privilege reserved for experts.
Our values
Radical transparency
Zero hidden fees, zero data sales. Our pricing is public (from EUR 2.99/month), our code of conduct is clear, and we regularly publish our security and uptime metrics. You know exactly what you pay for and how your data is handled.
Bank-grade security
Fernet/AES bank-grade encryption, GDPR compliance, synchronisation exclusively via ACPR-approved Bridge. Your banking credentials never pass through our servers — only Bridge, a regulated provider, has access. Hosted on dedicated European infrastructure.
Responsible innovation
We leverage PSD2 Open Banking, AI-powered automatic categorisation and predictive analysis to deliver actionable financial insights. Our approach: every feature must solve a real problem, not impress on a spec sheet.
European accessibility
24 EU languages, bank support across 24 countries, an interface designed to be understood by everyone — from professionals to complete beginners. Financial management should not be a linguistic or technological luxury.
2024
Founded
Belgium
Headquarters
24 EU languages
Coverage
PSD2 / ACPR
Certifications
Who is David Hennequin, founder of Finance.HDdev?
David Hennequin is a Belgian technology entrepreneur specialising in web development, cybersecurity and software architecture. After years of developing professional WordPress solutions used by hundreds of European businesses (security, performance, SEO), he founded Finance.HDdev with a conviction: personal financial management tools accessible to Europeans are either too expensive, limited to a single country, or unable to handle the everyday complexity of multi-bank finances. His expertise in web security and regulatory compliance (GDPR, PSD2) enables him to design an architecture where financial data protection is native, not an afterthought.
Why PSD2 Open Banking is a game-changer for Europeans
The European PSD2 directive (Payment Services Directive 2) created a legal framework allowing European citizens to securely share their banking data with approved third-party services. Finance.HDdev relies on Bridge, a payment services provider approved by the ACPR (Autorite de Controle Prudentiel et de Resolution, backed by the Banque de France). In practice, this means your banking credentials never pass through our servers: only Bridge, subject to the same regulatory requirements as a bank, has access. This model guarantees a level of security equivalent to your banking app, while giving you a unified view of all your accounts.
Our commitment: security, compliance and 100% European hosting
At HDdev, security is not a feature — it is a founding principle. All financial data is encrypted using the Fernet algorithm (based on AES-128-CBC and HMAC-SHA256), the same standard used by financial institutions. Our infrastructure is hosted entirely in Europe, ensuring your data never leaves EU territory. We are fully GDPR compliant: right of access, rectification, deletion and data portability are built natively into the application. No data is sold to third parties, no advertising profiles are created. Our business model relies exclusively on subscriptions, aligning our interests with those of our users.
Ready to take back control?
Join the first users of Finance.HDdev and simplify your financial management from May 1, 2026.
Join the waitlist