Automating work processes through data orchestration for leading pension company





Financial Services

Business Area


Nærpension – a fully owned subsidiary of the 4th largest pension company in Denmark, AP Pension – sought to digitize and automate manual workflows in pension management, enhancing data quality and gaining a competitive edge towards their financial partners through a holistic solution.

Advisory process automation and integration across policy lifecycles

The goal is to deliver a 360-degree solution for managing insurance and savings products in the pension sector through the entire lifecycle of the policies (creation, modification, payouts, and termination). The focus is on automating the advisory processes and integrating various back-end systems to facilitate efficient creation and modification of policy offers between the financial partners and nærpension. Furthermore, the solution should handle reporting and invoicing across sales channels.

Orchestrating efficiency: A unified solution

The solution acts as an orchestrator of interactions between core systems, advisory systems, and various other internal and external systems. It allows both manual and automated requests and for the advisors to remain in their familiar IT systems, offering a unique selling point to the financial partners. This is achieved through integration with the three IT-centrals (Bankdata, BEC, and SDC). The solution handles all policy-related data such as coverages, tax codes, premium payments, refunds, hazard classes, exclusions, etc.

During 2023, several key services were added. The most significant services are automation in premium collection and refunds. Furthermore, monthly terminations, personalized costs on savings products, together with enhanced KYC procedures, were released.

Successful deployment delivers increased revenue and reduced costs

The project was successfully deployed on time and within budget, continuing to evolve with ongoing development. This contributed to increased revenue, cost reduction, and enhanced brand value for nærpension. Through this collaboration, the Trifork company Chapter 5 reaffirmed its role as a strategic technology partner in highly regulated industries.

“Chapter 5 has been a trusted partner and advisor for more than a decade. The team understands our domain and strategic objectives which enables them to translate our business needs into agile, robust, and tailormade solutions.”

Peter Nielsen

SVP Business Development AP Pension

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