Automate standard administrative processes end-to-end, from contributions to payouts, so your team can focus on exceptions and client-facing work instead of manual routine tasks.
Process unstructured input such as emails and letters with AI-based recognition, and trigger the right workflows automatically, reducing manual data entry and processing time.
Connect with your existing landscape, including core banking, document management and reporting systems, as well as Swiss industry interfaces such as ZAS, ESTV and BVG-Exchange.
Cut operational costs by automating standard processes, reducing manual work and consolidating disconnected systems into one platform.
Deploy a modular SaaS solution that scales with your business. P3A/FZ builds on platform technology that has proven itself in productive operation with millions of pension accounts.
Stay on top of regulatory change with a platform designed for the requirements of Swiss pillar 3a and vested benefits foundations, with regulatory updates delivered as part of the service.
Your customers' assets are managed on a platform built by the team behind systems that serve millions of Swiss pension accounts, with bank-grade security and Swiss data protection.
Manage your offering independently: launch new financial products, adjust fees, and adapt documents and reports yourself, without waiting for vendor support or release cycles.
Meet your customers in the channels they already use. P3A/FZ integrates into your existing digital touchpoints, from e-banking to mobile apps, so pension management fits naturally into their everyday banking.
Increase efficiency by automating standard processes end-to-end, consolidating systems and cutting manual work, freeing your team to focus on exceptions and clients.
Standard business cases run through fully automated, without manual intervention. Fewer touchpoints mean fewer errors, achieved through process automation alone, before any AI is applied.
Our platform technology manages around 2 million pillar 3a and vested benefits accounts in productive operation, with automation that decouples effort from volume as you grow.
P3A/FZ is delivered as a multi-tenant SaaS platform: no infrastructure of your own, no release projects, and a predictable total cost of ownership. Modular extensions for foundation accounting, archiving and data warehouse let you start with the core and add capabilities as your needs grow. Structured migration support ensures a controlled transition from your current system to the platform.
Choose the setup that fits your organisation: full account management on the platform, or P3A/FZ Light for banks running pillar 3a and vested benefits accounts within their core banking system. Modular extensions and structured migration support ensure a controlled transition and room to grow.
P3A/FZ is purpose-built for Swiss pillar 3a and vested benefits. Swiss industry interfaces such as EBICS, BVG-Exchange, ZAS and ESTV are part of the standard version. Furthermore, the platform reflects the regulatory requirements that apply to pillar 3a and vested benefits foundations. Whether you operate as a bank, insurer or asset manager.
Security is built into the platform, not added on top: encrypted data handling, strict role-based access controls and an internal control system by design, with processes that are traceable and audit-proof. Operated in line with Swiss data protection requirements, the platform includes regulatory and security updates as part of the service, with redundant operations supporting the continuity of your business.
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 areas of Swiss private pension administration: 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.
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