Migration from a legacy system is a structured project, not a big bang. G+D Netcetera manages the process end-to-end: data analysis and mapping, test migrations with reconciliation, and a controlled cutover at a defined key date. Our team has carried out this type of transition on platforms managing millions of pension accounts, and works with your team to keep day-to-day operations stable throughout the project.

P3A/FZ is a standard product with extensive configuration options rather than a custom development. You define your products, fee models, documents and reports yourself through self-service configuration, and modular extensions such as foundation accounting, archiving and data warehouse can be added as needed. This keeps every client on the same maintained platform while giving you control over how your offering is structured.

P3A/FZ is delivered as a multi-tenant SaaS platform, operated and maintained by G+D Netcetera. There is no infrastructure to run on your side and no release projects to manage: updates, security patches and regulatory adjustments are delivered as part of the service, with a predictable total cost of ownership. During onboarding, our team works with you to define the setup that fits your organisation, from integration with your existing systems to the configuration of your products, fees and documents.

Yes. P3a/FZ is purpose-built for both: pillar 3a accounts (tied, voluntary retirement savings) and vested benefits accounts (Freizügigkeit), which hold pension assets when someone leaves a pension fund. Both account types run on the same platform with the same automation, interfaces and configuration options, so foundations covering either or both areas can be operated in one system, including several foundations in parallel on one multi-tenant installation.

P3A/FZ is hosted in Switzerland, and client data is stored and processed in Switzerland. The platform is operated in line with Swiss data protection law, supporting the data residency and confidentiality requirements that apply to pension foundations and their providers. Access is governed by strict role-based controls, and all processing steps are traceable and audit-proof, giving you a clear basis for your own supervisory and audit obligations.

P3A/FZ comes with the relevant Swiss industry interfaces as standard: EBICS for secure communication with banks, BVG-Exchange for transfers between pension institutions, the ZAS interface for reconciliation with the central compensation office (AHV), and tax reporting to the Federal Tax Administration (ESTV). Beyond these, the platform is API-based throughout, so core banking systems, e-banking, scanning, archiving and external portals connect through documented interfaces rather than custom point-to-point integrations.

Regulatory change is part of the service: adjustments to the legal framework for pillar 3a and vested benefits are analysed and delivered as platform updates, so every client benefits without running their own compliance projects. Processes are traceable and audit-proof, with an internal control system built into the platform's process design. Responsibility for compliance remains with the foundation and its provider; P3A/FZ gives you the system-side basis to meet it.

Implementation is run as a joint project with a dedicated G+D Netcetera team covering migration, integration and go-live. After go-live, P3A/FZ is operated and maintained as a SaaS service: regulatory updates, security patches and functional enhancements are part of the subscription, backed by a support organisation with around 60 pension specialists.

Few providers combine both sides of this domain: deep pillar 3a and vested benefits expertise from operating platforms that manage around 2 million accounts, and an industrially proven platform approach from our BVG solution P40, live at more than 30 foundations. P3A/FZ brings these together in a dedicated product for the Swiss market, backed by Giesecke+Devrient, one of the world's leading security technology groups, and by around 60 pension specialists at G+D Netcetera. You get a purpose-built platform with a track record, not a promise.