Get started with core features and scale them as your needs change, reducing your upfront costs and adding flexibility to your growth strategy.
Integrate the P40 pensions administration system with your existing systems and workflows seamlessly and quickly, minimizing disruption to your operations.
Navigate an easy-to-use interface that reduces training time and errors, so your team and customers can start using it confidently right away.
P40 cuts your administrative workload by 30-40%. Automated workflows and digital processes free up your team to focus on their most impactful tasks.
Adopt a modern SaaS model and reduce IT operating costs by 20-30%. Standardized processes result in less maintenance and more efficiency.
Built for Swiss pension funds, P40 ensures BVG/LPP compliance with automated updates, audit trails, and regulatory reporting.
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.
Give your members clear, up-to-date insights into their pension status, contributions, and projections with intuitive dashboards and reports.
Empower your members with easy-to-use mobile and web portals, so they can manage their pensions independently, anytime and anywhere.
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.
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.
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.
35% efficiency increase - our team now focuses on advisory services instead of manual processing.”
-Patrick Frei, Chief Digital Officer, BERAG
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.
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.
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, CEO, PK Rück.
P40 adheres to bank-grade security standards, including:
P40 includes built-in redundancy, backup, and disaster recovery features to ensure zero downtime and data integrity, meeting Switzerland’s stringent business continuity requirements.
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.
Your data stays in Switzerland, stored in ISO 27001-certified data centers in Zurich and Geneva.
P40 keeps you compliant by:
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.
G+D Netcetera provides full-cycle delivery and ongoing support, including:
P40 is built for Swiss pension funds, with:
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.
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.
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.
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 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.
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.
Tea Schmid, Head of Advisory Processes and Tools at St. Galler Kantonalbank, explains how the digital financial advisory solution "Omnium" offers customers a modern, digital, and holistic financial advisory.
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Shaun Baumberger, Head of Mobile Banking at PostFinance, describes how they launched the first Mobile Banking app on the Swiss market together with G+D Netcetera in 2011, and relaunched the app from scratch in 2021.
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