P40

Modernize your pension fund administration — and be at the forefront of the digital transformation!

The challenges facing modern pension funds

P40 was developed specifically for Swiss pension funds - with end-to-end process orientation, modern SaaS technology and BVG/LPP compliance at its core.

Download a compact overview of the benefits of P40

Your comprehensive pension fund solution

Complete BVG/LPP compliance

P40 helps pension funds comply with regulatory requirements. Automated BVG/LPP parameter updates, integrated checks, preconfigured reports, and the traceability and auditability of transactions and decisions create a reliable foundation for operations.

End-to-end process orientation

All workflows in P40 are managed end to end. This reduces process breaks, minimises manual interventions and ensures transparent workflows - from entry to retirement.

Seamless integration

P40 offers modern REST APIs for central functions, flexible import and export options, and interfaces to HR systems and banking platforms. This allows the solution to be integrated into existing system landscapes in a targeted way.

Swiss data security

All data remains in Switzerland, in ISO 27001-certified data centres in Zurich and Geneva. P40 combines modern SaaS technology with high security standards, encrypted data transmission and role-based access controls.

Modern user experience

Intuitive portals and clearly structured user interfaces make daily work easier. Teams can find their way around more quickly, processes become more transparent, and members and employers benefit from digital self-service options.

Scalable architecture

P40 is based on modern cloud and SaaS technology and designed for the requirements of growing pension funds - from smaller institutions to organisations with 500 to 50,000+ members.

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Why P40

Eliminate compliance risks - P40 helps pension funds reliably implement regulatory requirements - with automated BVG/LPP updates, integrated checks, audit-ready evidence and transparent documentation.

Significantly reduce administrative effort - Automated workflows, digital self-service processes and end-to-end process control significantly reduce manual effort in day-to-day operations.

Scale without growing pains -The modern SaaS architecture helps pension funds efficiently map increasing requirements, new processes and growing member populations.

Make better decisions faster - Reporting, dashboards and real-time data create transparency over processes, membership data and key figures - as a basis for sound operational and strategic decisions.

Reduce IT complexity - With a modern SaaS operating model, pension funds reduce infrastructure effort, maintenance complexity and high initial investments when adopting standard processes.

Concrete results at Swiss pension funds

"35% efficiency increase - our team now focuses on advisory services instead of manual processing."
Patrick Frei, Chief Digital Officer, BERAG

BERAG was able to free its team from manual work steps by using P40, creating more room for exceptional member service and client contact. Learn how leading Swiss pension funds modernise their systems with P40.

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Concrete impact on your pension fund administration

Less administrative effort

Pension funds using P40 reduce their administrative effort by 30-40%. Automated workflows and digital processes relieve teams in day-to-day operations.

Lower IT operating costs

With the modern SaaS operating model, IT operating costs can be reduced by up to 20-30% when standard processes are adopted.

Greater compliance assurance

P40 is designed for Swiss pension funds and supports BVG/LPP-compliant processes, automated parameter updates, auditability and regulatory reporting.

Higher employee satisfaction

Modern user interfaces, fewer manual routine tasks and clearly guided processes make daily work easier and create more room for advisory and specialist tasks.

Stronger basis for decision-making

Dashboards, reporting and real-time data help pension funds better monitor processes, membership data and key figures, and make well-founded decisions.

Technical details for IT decision-makers

P40 combines modern SaaS technology with Swiss hosting, high security and an architecture designed for integration. The solution is designed for operation in Swiss data centres and supports pension funds in the secure, scalable and efficient digitalisation of their administrative processes.

    • Swiss hosting in ISO 27001-certified data centres in Zurich and Geneva
    • Swiss Data Protection Act (FADP/DSG) and GDPR-compliant data storage
    • Encrypted data transmission
    • Role-based access controls
    • Traceability and auditability of transactions and decisions
    • Automatic BVG/LPP parameter updates in the event of legal changes
    • Modern REST APIs for central functions
    • Prebuilt connectors for HR systems such as SAP, Workday and ADP
    • Bank integration with Swiss standard formats such as ISO 20022 and DTA
    • Secure bank connectivity and payment transactions via EBICS
    • Flexible data import and export for CSV, XML and JSON
    • Integration with relevant existing systems and third-party systems
    • Modern cloud and SaaS technology
    • Scalable for pension funds of different sizes
    • Suitable for organisations with 500 to 50,000+ members
    • Designed for digital processes, portals and growing transaction volumes
    • Support from pension fund and technology experts
    • Support in German, French and English
    • Documentation for operations, integration and further development
    • Support from implementation through to ongoing operations
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Your partner for digital pension solutions

G+D Netcetera combines over 30 years of Swiss software experience in the financial sector with modern cloud technology and in-depth occupational benefits expertise. As a partner for digital solutions in regulated industries, we develop secure, scalable and future-ready platforms for demanding business processes.

P40 was developed together with clients and for clients - specifically for the requirements of the Swiss occupational benefits market. Our teams in Zurich and Winterthur combine technological implementation strength with local market understanding.

Swiss market expertise - A deep understanding of the Swiss occupational benefits system and regulatory requirements forms the basis of our work.

Technology leadership - We have a proven track record in complex financial systems that matter. Our modern cloud technology with Swiss hosting ensures your data never leaves Swiss borders, while continuous innovation and updates keep you ahead of regulatory changes.

Proven implementation experience - Leading Swiss pension funds rely on P40 to digitise their administration and make processes more efficient.

Frequently Asked Questions

  • The implementation timeline depends on the starting point, existing systems, desired integrations, scope of data migration and adoption of standard processes. Together with your organisation, we define a realistic approach - from analysis through migration and integration to productive operation.

  • All data remains in Switzerland, in ISO 27001-certified data centres in Zurich and Geneva.

  • P40 supports BVG/LPP-compliant processes through automatic parameter updates in the event of legal changes, integrated checks, preconfigured reports and full traceability and auditability of transactions and decisions.

  • Yes. P40 offers modern REST APIs, flexible import and export options, and integrations with HR systems and Swiss banking standards. This allows the solution to be integrated into relevant existing system landscapes and third-party systems.

  • G+D Netcetera supports pension funds from implementation through to ongoing operations.

  • P40 is based on a predictable SaaS operating model. The specific pricing depends on the scope of services, required integrations, project complexity and selected operating model.

Want to know more? - Get in contact with us!

Martin Osterwalder

Product Manager, Pension fund solutions

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