Our pensionTech: Built for Inclusion. Designed for Scale.
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Inclusive Design
Built specifically for informal workers and underserved populations
Scalable Architecture
Microservices platform that grows with your needs
Cost Effective
Low startup and operating costs with variable pricing
Secure & Compliant
Bank-grade security with full regulatory compliance
The Heavy Lifting, Done Right.
Whether it's onboarding informal workers in remote locations, managing small-value contributions, or facilitating seamless withdrawals and insurance claims, our platform does the heavy lifting — reliably, securely, and affordably. Built with a microservices architecture and tested across diverse markets, our pensionTech is fully customizable for your regulatory, product, and delivery environment.
Global Reach
Adaptable to your specific regulatory, product, and delivery requirements while maintaining core functionality and security standards.
Microservices
Modern architecture enabling rapid customization, seamless integration, and scalable deployment across cloud and on-premise environments.
Fully Customizable
Adaptable to your specific regulatory, product, and delivery requirements while maintaining core functionality and security standards.
A Scalable Digital Platform for Inclusive Pensions
Key pensionTech Features and Functionalities
Platform Architecture & Deployment
These features emphasize the core tech, scalability, and ease of launch:
A Scalable Digital Platform for Inclusive Pensions
Custom-built to serve informal, self-employed, and salaried workers with full support for claims, payouts, and eligibility.
Microservices Architecture
Deployed on cloud or on-prem; supports agile customization and seamless system integration.
Rapid Deployment, Low Start-Up Costs
Avoids capital-heavy system builds. Integrates quickly with DPI, DFS, and ecosystems via secure APIs.
Operational Efficiency & Business Model
Focuses on cost-effectiveness and how your model supports financial sustainability:
Modest Start-up Costs
Eliminates upfront capex and design risks of building from scratch.
Aligned Commercial Model
Transparent fee structure—front-end fees + AMC + success-based license fees linked to AUM and active accounts.
Low Operating Costs
Partners operate on a variable-cost basis without needing new infrastructure. Fast path to sustainable unit economics.
Ecosystem Integration & Migration Support
Highlights how the platform connects and enhances broader pension delivery:
Demand Aggregation Model
No need for building retail networks. Aggregators handle bulk assets and premiums - not micro-transactions.
Option for Existing Schemes
Pension funds can migrate existing mandatory DC schemes to reduce servicing costs and enhance governance.
Automated Accounting / Reconciliation
Built-in automated recon and exception reporting through regulated payment channel integration.
A User-Centric Platform with Built-In Governance
Designed with the end-user in mind, featuring intuitive interfaces and comprehensive governance tools
Inclusive & Flexible Subscriber Experience
Focuses on what the end user gets - simplicity, flexibility, and accessibility.
Integrated Financial Security
One digital account for retirement, emergency, and goal-based savings + embedded insurance.
Flexible Contributions
Adaptive triggers: manual, auto-debit, QR — aligned with user income patterns.
Simple, Familiar UI/UX
Access via WhatsApp, USSD, web - frictionless onboarding and support.
Portability, Personalization & Reach
Highlights portability, segmentation, and inclusive delivery, especially for informal workers.
Portable, NID-Linked Accounts
Universal accounts linked to national ID - portable across jobs and life stages.
Segmented, Targeted Outreach
Non-linear distribution model adaptable by job type, region, and delivery channel.
Tailored for Every Saver
Fully customizable savings flows—no penalties, aligned with goals and earning rhythms.
Trust, Governance & Transparency
Demonstrates back-end accountability, oversight, and protections for stakeholders and users.
Targeted Incentive Delivery
Enables direct, leakage-free delivery of subsidies or matched savings via NID-linked accounts.
MIS & Governance Dashboards
Auto-generated dashboards for all stakeholders - monitor SLAs, performance, and outcomes.
Built-In Consumer Protection
Real-time grievance tracking + automatic escalations build user trust and deter mis-selling.
Built for Performance & Security
Our platform combines cutting-edge technology with proven security standards to deliver reliable, scalable solutions for pension systems worldwide.
Cloud & On-Premise Deployment
Flexible deployment options to meet your infrastructure requirements and regulatory constraints.
API-First Architecture
Seamless integration with existing DPI, DFS ecosystems, and third-party services through secure APIs.
Enterprise-Grade Security
Bank-level security protocols with end-to-end encryption and comprehensive audit trails.
Multi-Channel Access
WhatsApp, USSD, Web, Mobile App
Secure by Design
End-to-end encryption & compliance
Real-time Analytics
Live dashboards & reporting
Global Standards
ISO 27001, SOC 2 compliant
Ready to Transform Your Pension System?
Join governments and organizations worldwide who are using our pensionTech platform to deliver inclusive, scalable pension solutions to millions of informal workers.
Schedule a Demo