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Built for Swiss pension funds by Swiss pension experts
With 30 years experience building critical software for Swiss financial institutions, we know how to address increasing regulatory complexity, ageing infrastructure, and rising member expectations.
Modular, scalable architecture
Get started with core features and scale them as your needs change, reducing your upfront costs and adding flexibility to your growth strategy.
Seamless integration
Integrate the P40 pensions administration system with your existing systems and workflows seamlessly and quickly, minimizing disruption to your operations.
User-friendly and intuitive
Navigate an easy-to-use interface that reduces training time and errors, so your team and customers can start using it confidently right away.
Benefits of our solution
Less administrative effort
P40 cuts your administrative workload by 30-40%. Automated workflows and digital processes free up your team to focus on their most impactful tasks.
Lower IT operating costs
Adopt a modern SaaS model and reduce IT operating costs by 20-30%. Standardized processes result in less maintenance and more efficiency.
Greater compliance assurance
Built for Swiss pension funds, P40 ensures BVG/LPP compliance with automated updates, audit trails, and regulatory reporting.
A next-generation solution for Swiss pension funds
Modernize your operations, reduce manual work, and meet today’s customer demands
P40 is a next-generation pensions administration system purpose-built for the Swiss second pillar.
Developed by G+D Netcetera, it leverages 30 years of experience modernizing mission-critical systems for Swiss financial institutions, including banks and insurers.
Unlike generic solutions, P40 is designed to address the unique challenges of Swiss pension funds:
- Regulatory complexity
- Ageing infrastructure
- Shortage of qualified professionals
- The growing customer demand for digital services
P40 combines automation, compliance, and user-centric design to transform how pension funds operate.
Key features include:
- Complete BVG/LPP compliance with automated updates and auditability
- End-to-end process orientation to minimize manual interventions
- Seamless integration with REST APIs and flexible interfaces
- Swiss data security in ISO 27001-certified data centers
- Modern user experience with intuitive portals
- Convenient Saas solution with minimal operational effort
Whether you’re migrating from a legacy system, consolidating operations, or enhancing member services, P40 provides the tools to modernize efficiently and securely.
Common use cases include:
- Full core system modernization for legacy replacements
- Targeted automation to eliminate manual work
- Digital member portals for self-service and transparency
- Regulatory compliance for evolving BVG requirements
- Cloud migration for business continuity and security
Benefits of our solution for your customers
Swiss data security
Your members’ data stays in Switzerland, protected by ISO 27001-certified data centers in Zurich and Geneva. With encrypted transmission and role-based access controls, they can trust their information is secure.
Real-time transparency
Give your members clear, up-to-date insights into their pension status, contributions, and projections with intuitive dashboards and reports.
Modern user experience
Empower your members with easy-to-use mobile and web portals, so they can manage their pensions independently, anytime and anywhere.
A proven track record of success
30+ years of experience working on mission-critical platforms in the Swiss financial services market
>30.00%
less admin workload
Reduce manual processes and free up your team’s capacity. Foundations using P40 can reallocate resources to strategic initiatives and member service, rather than repetitive tasks.
30.00%
lower IT operating costs
P40’s cloud-ready, scalable architecture and process automation help pension funds reduce IT operating costs by 30%. Lower infrastructure and maintenance expenses mean more budget for innovation and growth.
90%
time and budget success
With G+D Netcetera, you can trust that 90% of projects are delivered on time and within budget. Our proven track record in regulated environments ensures minimal disruption and maximum reliability.
What the experts behind this product say
35% efficiency increase - our team now focuses on advisory services instead of manual processing.”
-Patrick Frei, Chief Digital Officer, BERAG
Tailored solutions for every pension fund
Whether you’re a small fund or a large collective, P40 offers flexible, scalable options to meet your needs and plans.
Flexible architecture for all sizes
P40’s modular, API-first design means you can deploy it as SaaS or on-premise, giving you full control over your data.
With our migration expertise, we’ll move you over with minimal fuss, so you can start small and scale up as you need.
Whether you’re a boutique fund or a large collective, P40 adapts to your infrastructure.
Bank-grade security & compliance
With 30+ years of Swiss financial expertise P40 is built with security at its core. You get end-to-end encryption, strict access controls, and regular security checks to keep your data safe. It stays compliant with BVG/LPP, DSG, and GDPR, with updates handled automatically. Plus, audit trails and reporting tools give you full visibility. And with built-in redundancy and disaster recovery, you’re covered for any disruption.
Proven success with Swiss pension funds
Hear from leading funds who’ve modernized with P40:
BERAG: Freed their team from manual work, creating more room for exceptional member service and client contact.
PK Rück: Digitized all key workflows, replacing diverse legacy systems with a fully end-to-end digitalized process. “The highlight of the project is definitely our Friday morning workshops, where ideas quickly turn into living code that creates added value for us and our clients.” - Andreas Bär, CDO, PK Rück.
FAQs
Can’t find the information you’re looking for? Find the answers below, or get in touch to speak with our team.
What security standards does P40 adhere to?
P40 adheres to bank-grade security standards, including:
- End-to-end encryption for sensitive data
- Role-based access controls
- Regular security audits and penetration testing
- Compliance with Swiss and EU data privacy regulations including GDPR and DSG.
How does P40 handle data backup and disaster recovery?
P40 includes built-in redundancy, backup, and disaster recovery features to ensure zero downtime and data integrity, meeting Switzerland’s stringent business continuity requirements.
What does an onboarding project with P40 look like, and how long does it take?
Onboarding depends on your current systems, how much data you need to migrate, and which features you want to use. We’ll work with you to create a step-by-step plan - from setup to full operation.
While the timeline varies, our team ensures a smooth process with minimal disruption to your operations.
Where is our data stored?
Your data stays in Switzerland, stored in ISO 27001-certified data centers in Zurich and Geneva.
How does P40 ensure BVG/LPP compliance?
P40 keeps you compliant by:
- Automatically updating parameters when laws change
- Running built-in checks and generating preconfigured reports
- Providing full audit trails for all transactions and decisions
Can P40 integrate with our existing systems?
Yes. P40 is designed to fit into your current setup with modern APIs, flexible import/export options, and compatibility with HR systems and Swiss banking standards.
What support does G+D Netcetera provide?
G+D Netcetera provides full-cycle delivery and ongoing support, including:
- Tailoring the system to your needs
- Assessing your readiness for transformation, cloud migration, or digital updates
- Scaling our team to match your project’s demands
- Continuously updating P40 to stay ahead of regulatory and technological changes
What makes P40 different from other pensions administration systems?
P40 is built for Swiss pension funds, with:
- P40 offers the highest level of automation
- Guided processes that ensure ease of use
- A modular design that lets you start small and grow as needed
- Automatic compliance updates to keep you aligned with BVG/LPP
- A proven track record of delivering projects on time and on budget
- Ongoing innovation to keep your system up to date
How does P40 pricing work?
P40 uses a predictable SaaS pricing model. The cost depends on the size of your pension fund, the services you need, integrations, project complexity, and how you choose to operate the system. We’ll help you find the right fit for your budget.
Related resources
Find out more about our P40 solution
Future Proof: Pensions technology with Martin Osterwalder
Why is Switzerland's pension fund industry in such upheaval? CEO Carsten Wengel and Martin Osterwalder discuss it in this episode of Future Proof. Martin joined G+D Netcetera relatively recently and brings years of hands-on experience from a large pension fund.
The most advanced software solution for Swiss pension funds
P40 is the comprehensive, BVG-compliant administration system built exclusively for Swiss pension funds. It combines 30 years of Swiss software experience in financial services with modern cloud technology to ensure smooth operations and regulatory reliability.
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Automate the administration of pillar 3a and vested benefits accounts on a multi-tenant SaaS platform, built for banks, insurers and asset managers operating Swiss pension foundations.
AI-powered software delivery
AI is fundamentally changing how quickly legacy systems can be understood, documented, and modernized and reducing the operational risk of acting too late.
We deliver AI-assisted codebase analysis, business logic documentation, and a phased modernization roadmap so you can make informed decisions about what comes next.
Custom software development
G+D Netcetera delivers custom banking and financial software for European institutions by extending proven platforms or developing new systems from scratch for highly specific operational and regulatory requirements.
Extend proven G+D Netcetera platforms with your institution's own workflows, integrations, and customer experience — instead of rebuilding from zero.
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