ING Labs

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ING Labs brings disruptive ideas to market by combining our knowledge and network with the knowledge and skills of others.

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Bringing disruptive ideas to market

We’re always looking for new ways to do things faster, better, cheaper. To move out of our comfort zone, even beyond banking. So that we can better serve the needs of our customers with solutions that address their challenges.

What we do

What we do

Global challenges need global solutions. That’s why we collaborate with others, both on existing platforms and on new ones we have yet to create.

We explore, experiment and validate in a structured innovation process that includes governance and funding for our ventures and the partners we work with. These can be start-ups, scale-ups, researchers, entrepreneurs, or other corporates.

It’s about mutually beneficial partnerships that turn ideas into scalable solutions.

We’re looking to partner with corporates and talented individuals with:


Entrepreneurial experience and thinking


New technologies


Experience in platform business models and eco-system designs

What we focus on

We look for new opportunities to solve fundamentals problems and client needs in a number of areas. These are the value spaces we are looking to disrupt.

Our ING Labs in Amsterdam, Berlin, London, New York and Singapore are focused on specific value spaces that best match the local expertise and vibrant ecosystems in these locations.

Global tradeSLIDE

Tradetech, global trade

Trade and logistics are the backbone of the economy. Advances such as the Internet of Things and distributed ledger technologies are enabling greater efficiency within the supply chain and disrupting trading and trade financing as we know it.


Real estateSLIDE

Proptech, real estate

Technology is thrusting real estate into the future and changing the way we buy, sell, finance and manage property assets, leaving traditional practices obsolete.


Capital marketsSLIDE


Data is the key to opening up capital markets, making them more transparent and accessible and the distribution of those assets more fluent.




There’s more to housing than just providing a mortgage. Think of all the related services home owners need. From finding a property to choosing an electricity provider, moving, renovating and re-selling. The whole home ownership experience in one place.

Amsterdam Berlin



Buyers and sellers depend on banks to facilitate their transactions. We can use data from these transactions to predict consumer behaviour and preferences, giving us an attractive position in the shopping ecosystem to develop a shopping platform.


ID - data storageSLIDE

ID / data storage

In the digital era data security is paramount. We’re exploring new ways for customers to safely use and store their data and secure authentication to protect their identity.




Envision a digital assistant that offers real-time route planning, automatic usage-based payments and access to various modes of transport depending on the user’s needs to create a seamless travel experience.


Regulatory environmentSLIDE

Regtech, regulatory environment

A tsunami of new laws and regulations requires us to accelerate our ability to comply and pro-actively protect our customers and the financial system at large.


Wild cardsSLIDE

Wild cards

Interesting, unorthodox areas where we see opportunities to disrupt.

Amsterdam Berlin

How we work

Innovation starts with an understanding of the evolving user needs and translates it into an impactful solution. The outcome is never certain and the process requires persistence, empowerment and a clear approach. Ours is all about testing and validating our assumptions before we build. This ensures innovations are desirable, feasible and viable and we deliver impactful solutions.

Explore, validate, launch and scale

Explore, validate, launch, scale

ING Labs seeks to create minimal viable companies. Once it's ready to scale, you can pitch for funding from ING Ventures and potentially other investors.

This is how we set you up for success:

  • Incentive schemes offering performance-linked remuneration and co-investment opportunities.
  • Coaching and support from dedicated professional teams
  • ING’s structured innovation process (PACE )
  • Committed business sponsors
  • Trainings and workshops
  • Access to key skills and knowledge about products, methods and regulations
  • Engaging work environment and fully equipped facilities

What it’s like to work with us

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Contact us

I want to build a venture in ING Labs

I’m an entrepreneur, designer or developer looking to build a successful venture.

Send e-mail to:

I want to partner with ING Labs

I’m a start-up, scale-up or corporate with a solution to a challenge in one of your focus areas.

Send e-mail to:

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