Successfully Implementing the 2027 Pension Reform

The 2027 Pension Reform opens up new opportunities for capital market-oriented pension solutions while simultaneously increasing demands on IT, processes, and organization. New product logic, regulatory requirements, and expanded system landscapes further increase complexity.

Against the backdrop of strict regulatory requirements, the pressure to act continues to mount: By January 1, 2027, new subsidized pension products must be designed, regulatory-approved, and operational from an IT perspective. Financial service providers must therefore create the necessary conditions for implementation in a timely manner.

Modern platforms for managing capital market-oriented products, integrated interfaces with partners and authorities, and end-to-end digital customer processes are required. At the same time, regulatory requirements are increasing, particularly regarding product approval, subsidy logic, documentation, reporting, and in subsidy administration and reporting. In parallel, the need for efficient, automated processing of high contract volumes is growing.

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The expansion into new business areas and the implementation of regulatory and technical frameworks are leading to comprehensive adjustments for financial service providers. The pension reform creates additional pressure to act, with changed subsidy and allowance procedures, significantly higher requirements for documentation, reporting, and communication with authorities, as well as a non-negotiable implementation deadline amid limited IT capacities. This gives rise to the following requirements and areas of action in particular:

• Mature and often complex system landscapes complicate the integration of new products, technical logic, and necessary interfaces into existing structures.
• Regulatory requirements must be consistently embedded in processes and systems, from product approval through subsidy logic and documentation to reporting, regulatory reporting, and communication with authorities.
• Processes must be designed so that even high contract volumes can be processed efficiently and largely automatically, particularly when collaborating with external partners. At the same time, end-to-end digital application workflows and user-friendly, mobile solutions for end customers must be implemented.

Drawing on our experience with banks, insurance companies, asset managers, and fund providers, as well as in the implementation of modern trading platforms, adesso takes a holistic approach that integrates business, regulatory, and technical requirements. Our work does not begin with coding, but with the question of what you need strategically and regulatory. This results in tailor-made solutions that integrate seamlessly into existing system and process landscapes and run stably from the start.

We manage implementation holistically from a single source—from strategic alignment through functional design to technical implementation—and bring complex requirements together in a consistent and controllable manner.

This results in solutions that integrate into existing system and process landscapes and are robust both functionally and technically.

The result: requirements can be implemented efficiently, brought into productive operation faster, and anchored sustainably within existing structures. At the same time, complexity is noticeably reduced, while implementation speed and operational stability increase significantly.

Faster deployment. Less complexity. More stability.

Your benefits at a glance

• An established core module with in|sure GovInterface
• Only one interface per connected system
• A unified interface for all procedures
• SaaS operation including maintenance and regulatory updates

This allows new requirements to be integrated faster and existing systems to be connected efficiently.

Reporting-as-a-Service with Integration Layer: a central platform for all reporting procedures, clients, and regulatory channels.

The Integration Layer ensures that existing systems work efficiently with the platform. It connects the existing system landscape with the reporting platform and ensures that data is processed consistently and in a structured manner.

In doing so, it acts as a technical translator between line-of-business systems and the platform. Existing interfaces can largely continue to be used, while a standardized integration structure is created at the same time.

Key functions include:

• Reuse of existing interfaces
• Reconstruction of data history for consistent inventory and transaction data
• Integrated plausibility checks and structured error handling

This transforms a historically evolved reporting landscape into a clearly structured platform architecture.

With Reporting-as-a-Service, financial service providers create a reliable foundation for efficiently managing government subsidies and bringing new subsidized retirement products to market faster. The platform reduces technical complexity, relieves pressure on internal resources, and ensures stable processes.

This gives organizations the necessary flexibility to focus more strongly on their core business and the further development of attractive retirement offerings.

Would you like to know how your existing system landscape can be efficiently integrated? Talk to us about your specific use case.