Crédit Agricole next bank, the Swiss subsidiary of the French banking group, has partnered with additiv, a provider of a Digital Financial Services Platform, to introduce “Pilla,” a fully digital pension service.
Pilla targets Switzerland’s 3a and vested benefits market, offering a mobile-first experience.
The service digitises the entire customer journey, including onboarding, risk profiling, and investment allocation, while complying with Swiss pension regulations.
It is intended for clients seeking a simple and streamlined approach to managing their pension savings.
Central to the service is additiv’s orchestration capability, which integrates with Liberty Pension, a regulated foundation and asset manager.
This illustrates additiv’s open sourcing model, which allows banks to incorporate both their own and third-party regulated products into a single, coordinated process without extensive system changes.
“Pilla marks a strategic step for Crédit Agricole next bank as we launch a modern, mobile-first pension product for a more digital-oriented, independent target group,”
said Pierre Fortis, Development Director.
“additiv’s platform enabled us to launch fast, with full regulatory alignment and a fully digital customer journey.”
Pilla is designed for mobile-first users in Switzerland and also accommodates the bank’s cross-border clients living in France, Germany or Italy while working in Switzerland.
It allows these clients to manage, contribute to, and monitor their 3a and vested benefits accounts entirely via the app, removing the need for branch visits.
The partnership demonstrates additiv’s capabilities in digital pensions and investment solutions.
Its cloud-native, API-first platform allows financial institutions to design, launch, and scale pension services quickly, integrating regulated offerings while maintaining compliance.
“Pilla isn’t just a product launch, it’s a strategic leap for Crédit Agricole next bank, enabling them to offer a fully digital, mobile-first pension experience that improves access, advice, and efficiency for their customers,”
said Michael Stemmle, Founder of additiv.
“Through our open sourcing approach, we’ve enabled Crédit Agricole next bank to orchestrate regulated third-party pension solutions seamlessly into a mobile-first journey. It proves that our platform can set the standard for end-to-end digital pensions, fully compliant, scalable, and ready to consume new solutions as they evolve.”
Featured image credit: Edited by Fintech News Switzerland, based on image by EyeEm via Freepik
