- Pilla, a new mobile-first pension solution, digitizes Switzerland’s 3a and vested benefits savings with fast onboarding, personalized asset allocation, and live portfolio tracking.
- The partnership with additiv showcases how banks can scale into new markets without replacing legacy systems, while leveraging additiv’s open sourcing model to integrate both proprietary and regulated third-party solutions on a single, compliant platform.
- Integration with Liberty Pension ensures full compliance and secure asset management – all within a frictionless, end-to-end digital journey experience.
Zurich, Switzerland, September 18, 2025 – Crédit Agricole next bank, the Swiss subsidiary of the French banking group, has partnered with additiv, a leading provider of a Digital Financial Services Platform, to launch “Pilla,” a new, fully digital pension offering. Pilla is designed to address Switzerland’s 3a and vested benefits market with an intuitive mobile-first experience.
With Pilla, the customer experience is fully transformed. The new mobile-first app digitizes the entire journey — automating onboarding, risk profiling, and investment allocation, while ensuring full compliance with Swiss pension regulations. Designed for clients who want a simple, streamlined experience.
At the core of this innovation is additiv’s orchestration capability, which integrates directly with Liberty Pension, a regulated foundation and asset manager. This demonstrates the power of additiv’s open sourcing model: enabling banks to embed both their own and third-party regulated products into a single, orchestrated journey — without complex integrations or costly system replacements.
“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.”
Designed for mobile-first users across Switzerland, Pilla also serves Crédit Agricole next bank’s long-standing cross-border clientele, particularly those living in France, Germany or Italy and working in Switzerland. It offers cross-border customers digital convenience, ease of access and full control over their Swiss pension savings, enabling them to contribute, manage, and monitor their 3a and vested benefits accounts entirely through the app — no branch visits needed, reducing the burden often faced by cross-border commuters.
This collaboration positions additiv as a leader in digital pensions and investment solutions. With its cloud-native, API-first Financial Services platform, additiv enables financial institutions to design, launch, and scale pension solutions rapidly, consuming regulated services seamlessly while maintaining full compliance. The result is faster time to market, lower costs, and richer customer journeys for end clients.
“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.”
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About additiv
additiv partners with the world’s most ambitious companies to accelerate financial innovation and time to market, without replacing existing systems. Its API-first Digital Financial Services Platform streamlines business logic and orchestrates data flows, embedding AI across processes to power automation, personalization, and smarter decision-making in wealth, credit, insurance, and banking.
By removing the limitations of legacy infrastructure, institutions can rapidly build, launch, and scale new products and business models — across any channel, for any client journey. With an open, modular architecture, they can embed, manage, and combine proprietary and regulated third-party financial products leveraging AI-driven insights to deliver new services more efficiently, reduce costs, and expand their reach.
Headquartered in Switzerland, additiv operates across Europe, the Middle East and Asia, with regional offices in Germany, the UK, the UAE, Singapore, Indonesia, the Philippines, and development hubs in Central and Eastern Europe. The company supports more than 400 financial institutions and consumer brands globally.
Add innovation. Remove costs.
For more information, visit: www.additiv.com or www.pilla.swiss
For press enquiries, please contact: media@additiv.com
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