Digital Pension from ti&m

Retirement planning for an innovative customer experience

More and more customers now expect easy-to-understand digital services, including for their retirement planning. If banks don’t offer these, customers will turn to other providers instead. With new technologies, banks can provide modern retirement planning solutions through their own channels—and reach customer segments they might otherwise lose.

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Complete retirement planning for your customers: a straightforward, automated solution within your own digital banking portal

For banks seeking to strengthen customer retention, digital retirement planning is emerging as a strategic priority. ti&m Digital Pension enables you to integrate retirement planning seamlessly into your existing digital customer relationships. It provides an intuitive experience and an end-to-end solution within your online banking platform or customer portal.

New integration standards and interfaces are enabling increasingly automated connections to all three pillars of the Swiss pension system. Where direct integration is not yet possible, AI and modern UX can provide easy access: Your customers’ pension situation can be assessed quickly and presented in a clear and easy-to-understand way. They can obtain a comprehensive overview of their retirement planning directly through their bank—a service that, until now, has mainly been offered by external providers.

A compelling customer experience powered by technology. Our approach makes the difference

The crucial difference: With our solution, retirement planning becomes part of your existing customer portal—with no separate system and no additional login. Your customers can manage their retirement needs in the portal they already use for their banking. This means that they stay with you for their retirement planning instead of turning to an external provider.

Meet customers within a familiar portal

No new portal, no new login. Retirement planning becomes part of the existing experience and is integrated directly into your online banking platform.

Easy to get started

No lengthy process or endless amounts of data to enter: Customers can get started quickly and easily and obtain a full overview right away.

Compelling customer experience

Content is presented in a visually appealing way and in clear, easy-to-understand language for your customers.

Reduce complexity

Data can be extracted easily via digital interfaces using fully automated processes wherever possible.

Around half of all people under 50 are not actively planning for their retirement. A digital solution provides easy access to retirement planning and reaches these customers through channels they already use.

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A new home for all three pillars: Integrated. Clear. Ready to go.

Data provision

Data is provided automatically through interfaces. Where these interfaces do not yet exist, an AI-powered workflow automatically fills in the data.

Complex problem, simple solution

All three pillars are consolidated, interpreted, and presented in an easy-to-understand way. Scattered documents and figures are combined to provide a clear overall picture—without technical jargon or the need to switch between systems.

Retirement planning made simple

Customers can see an up-to-date overview of their pension outlook, with clear next steps and direct access to advice. You decide how much of the process is automated and whether to offer an in-person or digital solution.

Clear solutions

Any gaps or areas where action is needed are clearly highlighted, creating a sense of urgency. Suitable solutions guide the customer directly from their current pension outlook to the next financial decision.

A digital product for every stage of retirement planning

Life changes

Each new stage of life brings new financial needs, giving banks an opportunity to support their customers early on.

Retirement planning and wealth building

With the right pension plan, your customers can systematically build financial security, with your bank’s assistance as a reliable partner.

Planning for retirement

As retirement approaches, new questions arise about financial security in later life. This is an opportunity for you to support customers in making important decisions.

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Digital retirement planning as a growth driver for banks

Reach new segments efficiently

Automation makes retirement planning advice commercially viable even in segments where traditional advisor-led support has barely been profitable.

Customer retention through added value

Customers store information about their entire pension situation within your platform—including third-party products. The cost of switching providers increases organically.

Cross-selling opportunities

Customers who are aware of gaps in their retirement provision will inquire about suitable solutions—such as Pillar 3a offerings, investment products, or insurance.

First-mover advantage

Act now to position your bank as the go-to digital provider for retirement planning before an external provider takes on that role.

Digital Pension + Smart Investment: two modules, one seamless journey

Closer customer relationships, better customer retention, and additional cross-selling opportunities: You support your customers through every step of the process, from assessing their current pension outlook to selecting a specific investment solution.

Digital Pension and Smart Investment are standalone modules in our product portfolio that can be seamlessly integrated into each other. This links the retirement planning analysis directly to the next step: choosing the right investment solution. Both modules can be fully integrated into your online banking platform or customer portal—for a seamless, end-to-end digital customer journey with a single provider.

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COO

Markus Nigg

Experience Digital Pension in action. Book a live demo to see how your bank can keep your customers’ retirement planning within your own portal.

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