Governments and Regulators

Can “switch-on” a national-level, digital micro-pension and micro-insurance marketplace by leveraging existing financial inclusion infrastructure. Within a few weeks. And at a near-zero capital cost.

Are able to generate a large pool of new long-term household savings.



Banks, MNOs, MFIs, fintechs, gig-economy aggregators, cooperatives and MSMEs can instantly offer a regulated pension and insurance solution to their clients, employees, and partners. Without investing significant time or resources in new IT capacity or knowledge.

Enjoy long-term client/ partner connect and loyalty and new fee income. And achieve a double bottom-line impact.


Insurers and Pension Funds

Avoid large capital and time investments in building a proprietary pensionTech platform from scratch.

Do not need to build large retail sales and distribution capacity. Do not deal with millions of clients or micro-transactions. They only manage wholesale assets and aggregated insurance premiums.


Ecosystem Partners

Financial inclusion ecosystem stakeholders, including payment service providers and third-party agent networks, do not need to invest in any new capacity to provide micro-pension services.

They use existing capacity, operate on a variable cost basis, and became instantly profitable. Even with modest fees and charges.


Excluded and Underserved Citizens

Farmers, street vendors, domestic help, taxi drivers, MSME owners and employees, fishermen, small shopkeepers, gig-economy workers, and other self-employed individuals enjoy easy, secure and affordable access to a simple and well-regulated pension and insurance solution with zero KYC challenges or risks.

They simply use their mobile phones or a convenient and trusted channel outlet to easily open and operate their NID-linked pension and insurance accounts, and access information and services over time.

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