As an independent company, BERAG has been providing comprehensive occupational pension services (consulting, administration, benefit case management and IT) since 1973. We have specialized in particular in the needs of pension funds of owner-managed companies and non-profit organizations as well as open collective and joint foundations. Another of BERAG's hobbies is the modernization of pension solutions. This involves reviewing the fund organization, pension plans, financing, risk bearing and investments, and submitting holistic optimization proposals. Thanks to our broad range of services, expertise and many years of experience, we are able to exploit many synergies. The continuous increase in the level of technology (automation and digitalization) is of great importance.

With P40, BERAG now has the most modern, highly automated and powerful PF administration environment on the market. The fully integrated P40 portal solutions (insured person app and company/broker portal) enable all business processes to be digitized end-to-end.

The challenge

As an innovative pension fund service provider, BERAG recognized the power of digitalization to transform how Swiss pension funds operate and interact with their customers early on.

At the same time, BERAG realized that the cornerstones of this vision could only be tapped with a new management system that sets new standards thanks to consistent process management, including the front channels, modern user journeys, and open interfaces.

The solution

Netcetera's completely digital administration system P40 covers the entire business processes of pension funds, including the digital channels to insured persons and employers. With this new product for the pension industry, pension funds succeed in achieving a maximum degree of automatization and making a significant step towards a future-proof digital administration. The system is provided as SaaS, which fulfils the highest requirements for security and data protection.

The first pension fund successfully went live with Netcetera's P40 administration system in January 2022.

Features and Benefits

Transparent, smooth and quick access to data

Smarter usage of resources like human workforce & time

Automized processes and consequent blind processing

Improved user experience and self-service capabilities

Transparent and traceable business processes

Seamless integration of payments, accounting, and legacy archives.


P40 boosts efficiency and lowers costs.


P40 focuses on users’ needs.


P40 combines the highest security standards with modern technologies.

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