What we do

pinBox is committed exclusively to digital micro-pension inclusion in Asia, Africa and the LAC. We help design, build and deploy inclusive, digital micro-pension systems that enable and encourage non-salaried workers to save for a secure and dignified retirement.

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pensionTech Platforms

Ready-to-Deploy, white-labelled and API enabled digital micro-pension administration and delivery platform.

Can be customised within a few weeks. For any country. At a near-zero capital cost.

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Retirement Literacy

Field-tested and fully customisable retirement literacy and training toolkits.

Can be easily adapted for any country. Being used already in India, Rwanda and Kenya.

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Advisory

Diagnostics and market scoping.

Products and digital process architecture design.

Effective customer protection and governance framework.

Voluntary coverage expansion and persistency strategies.

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Advocacy

Research and policy papers, publishing, roundtables and conferences to encourage cooperative and collaborative stakeholder action on micro-pension inclusion.

THE MULTI-TRILLION DOLLAR PROBLEM AND OPPORTUNITY

Our Partners

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PINBOX PENSIONTECH PLATFORM

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White Labelled

Specialised, white-labelled pension and insurance administration, record-keeping and delivery platform.

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Ready-to-Deploy

Uses secure APIs to integrate the existing financial inclusion ecosystem. “Switches-on” a national digital micro-pension marketplace for non-salaried individuals. Within a few weeks.

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Fully Customisable

Can be easily customised and deployed for voluntary micro- pensions for the self-employed. And for occupational pension and PF for salaried workers. In any country.

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Low Capital Cost

Helps pension administrators and insurers avoid high capital costs, lead-time and risks (of mistakes in design) in building a proprietary pensionTech platform from scratch.

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Secure

Automated, real-time accounting, reconciliation and allocation of contributions. Zero risks of errors or fraud.

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MIS and Compliance

Real-time MIS and reports to monitor efforts and outcomes. Automated process, TAT and SLA compliance monitoring through real-time exception reports.

ADVOCACY, ADVISORY AND DEPLOYMENT

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Launch of pinBox Africa and a customised pensionTech Platform for the Continent

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We unveiled our Africa pensionTech Platform and our decision to set up pinBox Africa during the inaugural Afro-Asia Fintech Festival at Kenya. pinBox is committed to supporting African nations in achieving comprehensive pension inclusion

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Expanding voluntary micro-pension coverage in Papua New Guinea

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pinBox and UNCDF-PFIP helped NASFUND and the Bank of Papua New Guinea (BPNG) in designing a digital micro-pension solution for PNG’s 4 million non-salaried workforce.

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Rwanda Government’s new national digital micro-pension program

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pinBox and Mastercard worked with Rwanda’s Finance Ministry, Access to Finance Rwanda (AFR) and RSSB to design, build and implement EjoHeza - Africa’s first, government sponsored, NID-linked digital micro-pension scheme.

pinBox produced this 600-page volume in collaboration with 43 policymakers, regulators and leading financial inclusion practitioners from 22 countries. The next edition of this global book will be released in 2020.

Read more

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Expanding micro-pension coverage in Nigeria

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pinBox and EFInA engaged with the micro-pension team at PENCOM (Nigeria’s pension regulator) on evaluating policy and strategy options for implementing a new micro-pension scheme for Nigeria’s 50 million informal sector workers.

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pinBox Gift-a-Pension™ global campaign and P2P platform

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Gift-a-Pension™ is a unique global campaign and platform developed by pinBox Solutions and the non-profit microPension Foundation. It encourages and enables middle and upper middle income households to open a digital micro-pension account for their domestic help.

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pinBox hosted the first global policy roundtable on digital micro-pension inclusion with Georgetown University at Washington D.C. Policy-makers, regulators, digital finance experts, think-tanks and DFIs from over 30 countries participated in this meeting.

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Expanding pension coverage to India’s rural poor

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pinBox and World Bank helped the PFRDA and India’s Finance Ministry in developing a replicable, field-tested model for expanding voluntary coverage of India's NPS to its 450 million non-salaried workers.

UPDATES

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