With Intesa (Kyndryl) we aim to innovate the supplementary pension sector by making onboarding finally simple and smart. We combined our expertise to develop a platform capable of fully digitalizing the enrollment process for Pension Funds, making onboarding immediate and secure.
According to official COVIP data, in 2025 the supplementary pension system in Italy reached approximately 11.7 million positions, with more than €260 billion in assets under management, confirming a growth trend in both memberships and contributions. Despite this, adoption levels remain relatively limited and, among the main factors hindering further development, in addition to limited saving capacity and low levels of financial literacy, the perceived complexity of enrollment and management processes continues to represent a significant barrier to entry into the system.
“The challenge for the industry is to overcome processes that are still tied to legacy systems and complex operational workflows,” explains Michela Sertorio, Business Line Manager BU Pension Funds at Kirey. “For years, pension product management has been characterized by lengthy subscription times and a high operational burden, limiting both adoption and accessibility. Our solution addresses these issues directly by simplifying and accelerating the process.”
“In this context, our consulting approach has enabled us to work closely with industry operators,” adds Mario De Palma, Head of Business Development at Intesa (Kyndryl), “helping, together with X, to transform a fragmented bureaucratic process into a smoother, safer, and more accessible digital experience.”
Speed, Accessibility, and Traceability
Thanks to the platform developed by X and integrated with Intesa (Kyndryl)’s electronic signature and digital preservation services, subscription times have been dramatically reduced: from 15 days to a single click. In addition, all documentation is automatically archived in compliance with regulations by Intesa (Qualified Service Provider), ensuring full legal validity and traceability of the transaction in accordance with European regulatory standards.
Both end customers and intermediaries can enter data through the web-based platform and complete the entire procedure thanks to the integration of the Intesa Sign solution, an advanced electronic signature system that uses identification mechanisms such as SPID, CIE, or biometric solutions to provide legal validity to the transaction in just a few steps. Once the subscription process is completed, the documentation is automatically archived with full legal validity. The solution also stands out for its flexibility and seamless integration with the information systems of pension funds and the administrative service providers responsible for their management.
This approach generates immediate and tangible benefits for all stakeholders involved:
- For pension funds: memberships are uploaded and registered on the same day, eliminating delays and accelerating member onboarding;
- For end customers: the entire process is digital, fast, and does not require paper exchanges or waiting for confirmations;
- For companies and intermediaries: there is no longer any need to wait for manual feedback; confirmation of successful enrollment is immediate and digitally traceable.
A process that has traditionally been lengthy and fragmented is thus transformed into a real-time workflow, delivering significant improvements in efficiency, operational accuracy, and service quality.
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