{"id":31021,"date":"2026-10-26T16:47:03","date_gmt":"2026-10-26T15:47:03","guid":{"rendered":"https:\/\/nect.com\/media\/nicht-kategorisiert\/how-insurers-can-keep-pace-with-neobrokers-for-the-2027-retirement-savings-depot\/"},"modified":"2026-10-27T17:58:35","modified_gmt":"2026-10-27T16:58:35","slug":"how-insurers-can-keep-pace-with-neobrokers-for-the-2027-retirement-savings-depot","status":"publish","type":"post","link":"https:\/\/nect.com\/en\/media\/blog\/how-insurers-can-keep-pace-with-neobrokers-for-the-2027-retirement-savings-depot\/","title":{"rendered":"How Insurers Can Keep Pace with Neobrokers for the 2027 Retirement Savings Depot"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31021\" class=\"elementor elementor-31021 elementor-29670\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-08f0a1c e-flex e-con-boxed e-con e-parent\" data-id=\"08f0a1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a2c84ae elementor-widget elementor-widget-text-editor\" data-id=\"a2c84ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tStarting January 1, 2027, the Retirement Savings Depot (AVD) will create a new market for subsidized private retirement provision. For insurers, banks, and financial providers, success will depend not only on who offers the most attractive product, but also on who can guide customers quickly, securely, and fully digitally through the application process. This is precisely where success will be determined: identification is mandatory, a conversion lever, and a compliance risk all at once.   \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-828d3ae e-con-full e-flex e-con e-child\" data-id=\"828d3ae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40f457c elementor-widget elementor-widget-heading\" data-id=\"40f457c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key Points at a Glance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7824a1 elementor-widget elementor-widget-text-editor\" data-id=\"d7824a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>With the Retirement Savings Depot (AVD), a new competitive market will emerge from 2027, where insurers, banks, and neobrokers will compete for the same customers.<\/li><li>The digital identification and KYC process will become a decisive success factor, as fast, media-break-free legitimation significantly increases conversion while simultaneously fulfilling regulatory requirements.<\/li><li>Providers should integrate their KYC and signature processes early to be able to offer a scalable, compliance-compliant, and user-friendly application process by market launch.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4dd9e6 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"d4dd9e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;container&quot;:&quot;#index-content&quot;,&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;Es wurden keine \\u00dcberschriften auf dieser Seite gefunden.&quot;,&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTable of Contents\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__d4dd9e6\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__d4dd9e6\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__d4dd9e6\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bae915d e-con-full e-flex e-con e-child\" data-id=\"bae915d\" data-element_type=\"container\" data-e-type=\"container\" id=\"index-content\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c0d6ff elementor-widget elementor-widget-spacer\" data-id=\"3c0d6ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbd8aa3 elementor-widget elementor-widget-heading\" data-id=\"bbd8aa3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the Retirement Savings Depot?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-902c45d elementor-widget elementor-widget-text-editor\" data-id=\"902c45d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tThe Retirement Savings Depot is a state-subsidized securities account for private retirement provision. It aims to make the existing Riester system more modern, digital, and capital market-oriented. Savers will be able to invest more heavily in ETFs, funds, and other permissible capital market products. Depending on the product model, solutions without guarantees, with an 80% guarantee, or with a 100% guarantee are possible.    \n\nFor providers, this means: not only the product logic changes, but above all the application logic; the standard product must be digitally accessible. At the same time, customers expect a user experience that is standard today with neobrokers, banking apps, and modern financial platforms.  \n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-581013c elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"581013c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f9d9d0 elementor-widget elementor-widget-heading\" data-id=\"6f9d9d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Insurers, Banks, and Neobrokers Are in Direct Competition \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e7611f elementor-widget elementor-widget-text-editor\" data-id=\"3e7611f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>KYC and the digital application process can quickly become business-critical for the Retirement Savings Depot. For years, identification and legitimation have been among the biggest hurdles in the digitalization of financial and pension products. With the Retirement Savings Depot, this topic is moving even more into focus. Every additional step, every media break, and every waiting period worsens conversion for providers. Because: those who have to legitimize themselves, submit documents, or wait for manual checks during onboarding are significantly more likely to abandon the process. Every minute of delay is a minute in which interested parties can decide against completing the application. The Retirement Savings Depot now brings providers from different worlds into direct competition for the first time. Insurers no longer compete only with other insurers, but increasingly also with neobrokers, direct banks, and digital investment platforms. As a result, digital onboarding processes, which were often considered an operational issue until now, suddenly become a strategic competitive factor. Higher conversion rates directly mean more contract conclusions, lower acquisition costs, and better scalability of the business model. The AVD will launch in a market where many users are already accustomed to digital financial apps. Neobrokers and direct banks often offer account opening, securities trading, and identification fully digitally and within a few minutes. This level will become the new benchmark.            <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d694c0d elementor-widget elementor-widget-text-editor\" data-id=\"d694c0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This creates particular pressure for insurers. They must meet regulatory requirements, advisory obligations, and more complex product models while simultaneously delivering a user experience comparable to modern apps. A good tariff or a strong product promise is not enough if the application process falters at the decisive moment.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1b4922 elementor-widget elementor-widget-text-editor\" data-id=\"c1b4922\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At the same time, regulatory requirements are increasing with the introduction of AMLR and <a href=\"https:\/\/www.digitale-verwaltung.de\/Webs\/DV\/DE\/digitale-identitaeten\/eidas-2-0\/eidas-2-0-node.html\" target=\"_blank\" rel=\"noopener\">eIDAS 2.0<\/a>. The real question for providers is therefore not only how attractive their Retirement Savings Depot is, but whether they can combine regulatory requirements with a seamless customer experience. This is precisely why the technical design of identification, signature, and KYC processes is becoming a decisive competitive factor for banks, insurers, and neobrokers in the AVD market. It could determine whether market shares will shift in favor of digital pioneers who enable a fully digital and almost frictionless application process.   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31caec6 elementor-widget elementor-widget-heading\" data-id=\"31caec6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">A Look at Technical Integration <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6ee8d5 elementor-widget elementor-widget-text-editor\" data-id=\"b6ee8d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Various phases intertwine in the digital application for a Retirement Savings Depot. It begins with transparency and clarification through product information and the subsidy logic. This is followed by the legally required consultation and the suitability assessment. Once this hurdle is cleared, the identification of the new customer and the digital signature follow. The process concludes with the depot setup and subsequent customer communication. While most stages are well manageable, identification represents the biggest hurdle for conversion and compliance.     <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d918b86 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"d918b86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26c3797 elementor-widget elementor-widget-image\" data-id=\"26c3797\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen-1024x683.jpg\" class=\"attachment-large size-large wp-image-31023\" alt=\"Close-up of a meeting table with several people discussing the Retirement Savings Depot solution for banks and insurers\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen-1024x683.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen-300x200.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen-768x512.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f862e6d elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"f862e6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ab4913 elementor-widget elementor-widget-heading\" data-id=\"2ab4913\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Who is the solution relevant for?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-572def2 elementor-widget elementor-widget-text-editor\" data-id=\"572def2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li> <strong>Insurers<\/strong> who want to digitally distribute subsidized retirement provision products from 2027.<\/li><li><strong>Banks and savings banks<\/strong> that integrate AVD products into existing digital account or depot processes.<\/li><li><strong>Custody banks and online brokers<\/strong> that need to combine high transaction volumes with a regulatorily robust KYC infrastructure.<\/li><li><strong>Fund companies<\/strong> that are building more direct end-customer processes for subsidized retirement provision for the first time.<\/li><li><strong>Platform providers<\/strong> developing AVD-as-a-Service offerings for financial service providers.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d47886 elementor-widget elementor-widget-heading\" data-id=\"4d47886\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How Nect Solves the KYC Part of the Retirement Savings Depot<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce5cebb elementor-widget elementor-widget-text-editor\" data-id=\"ce5cebb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Nect provides the <a href=\"https:\/\/nect.com\/en\/products\/nect-ident\/\" target=\"_blank\" rel=\"noopener\">digital identification and signature infrastructure<\/a> that providers need for AVD applications. The solution can be integrated into existing application processes or combined as part of a larger AVD setup with partners. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7a04ed elementor-widget elementor-widget-html\" data-id=\"b7a04ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"overflow-x:auto\">\n  <table>\n    <thead>\n      <tr>\n        <th>Nect Module <\/th>\n        <th>Benefit for the AVD Use Case <\/th> \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n     \n      <\/tr>\n      <tr>\n        <td>eID \/ NFC <\/td>\n        <td>Digital identification with the online ID card for particularly high trust levels and future-proof eID processes. <\/td> \n      <\/tr>\n      <tr>\n        <td>Auto Video-Ident <\/td>\n        <td>Supplementary procedure for user groups or situations where an assisted ident process is beneficial.<\/td>\n      <\/tr>\n      <tr>\n        <td>Qualified Electronic Signature <\/td>\n        <td>Legally secure digital signature directly in the application process without paper, postal delivery, or media breaks. <\/td> \n      <\/tr>\n      <tr>\n        <td>PEP and Sanctions List Screenings <\/td>\n        <td>Compliance-related checks can be integrated into the digital KYC process.<\/td>\n      <\/tr>\n      <tr>\n        <td>Auditable Documentation<\/td>\n        <td>Traceable process and audit documentation for compliance, auditing, and regulatory evidence.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3be42d5 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"3be42d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-795000f elementor-widget elementor-widget-heading\" data-id=\"795000f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why Providers Should Act Now <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8caef2 elementor-widget elementor-widget-text-editor\" data-id=\"e8caef2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tThe market launch on January 1, 2027, creates time pressure. Product, IT, regulatory processes, consulting, KYC, signature, and operations must all work together in a timely manner. The KYC decision, in particular, should be made early, as it deeply impacts user guidance, compliance, data flows, and technical architecture.   \n\nThose who integrate the identification process late risk media breaks, weak conversion, and costly rework. Those who consider KYC early as a central infrastructure component can make the entire application process more stable, faster, and scalable.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23f719c elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"23f719c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a84946 elementor-widget elementor-widget-heading\" data-id=\"0a84946\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ on the Retirement Savings Depot<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a836eae elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"a836eae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-571bfd4 elementor-widget elementor-widget-n-accordion\" data-id=\"571bfd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9130\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-9130\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Why is the KYC process so important for the Retirement Savings Depot?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9130\" class=\"elementor-element elementor-element-00202f6 e-con-full e-flex e-con e-child\" data-id=\"00202f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-416ff92 elementor-widget elementor-widget-text-editor\" data-id=\"416ff92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tKYC is one of the decisive steps in digital onboarding. If identification takes too long, does not match the user&#8217;s document, or creates media breaks, conversion decreases. At the same time, regulated providers must reliably map identity verification, documentation, and risk assessments.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9131\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9131\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Which identification procedures does Nect offer for this use case? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9131\" class=\"elementor-element elementor-element-01711e6 e-con-full e-flex e-con e-child\" data-id=\"01711e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78f737f elementor-widget elementor-widget-text-editor\" data-id=\"78f737f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tNect supports automated Video-Ident, Nect ePass, Nect eID, Nect Wallet Re-Ident, and is preparing for the integration of the EUDI Wallet. This allows providers to cover various user groups via a central identity platform. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9132\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9132\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What distinguishes automated Video-Ident from classic VideoIdent? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9132\" class=\"elementor-element elementor-element-4a8eb89 e-con-full e-flex e-con e-child\" data-id=\"4a8eb89\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41d8105 elementor-widget elementor-widget-text-editor\" data-id=\"41d8105\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tWith automated Video-Ident, identification occurs without a live call center agent. Users are guided digitally through the process. Nect uses video recordings of the ID document and a selfie video \u2014 not a purely photo-based Photo-Ident.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9133\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9133\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can Nect also be part of a larger AVD-as-a-Service solution?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9133\" class=\"elementor-element elementor-element-e991108 e-flex e-con-boxed e-con e-child\" data-id=\"e991108\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a8e8a4f elementor-widget elementor-widget-text-editor\" data-id=\"a8e8a4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tNect focuses on the KYC and identity core. Complementary partners can cover other components of the digital application process, such as consulting, suitability assessment, application logic, signature processes, or integrations into platform and legacy systems.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9134\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9134\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is Nect prepared for the EUDI Wallet?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9134\" class=\"elementor-element elementor-element-6d830ca e-flex e-con-boxed e-con e-child\" data-id=\"6d830ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a930d6 elementor-widget elementor-widget-text-editor\" data-id=\"9a930d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tNect is preparing for the integration of the EUDI Wallet as an additional identity pathway. This allows providers to plan their current KYC processes so that they can interact with European digital identity wallets in the future. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Why is the KYC process so important for the Retirement Savings Depot?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"KYC is one of the decisive steps in digital onboarding. If identification takes too long, does not match the user&#8217;s document, or creates media breaks, conversion decreases. 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This allows providers to plan their current KYC processes so that they can interact with European digital identity wallets in the future.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Starting January 1, 2027, the Retirement Savings Depot will create a new market for subsidized private retirement provision. For insurers, banks, and financial providers, it will be essential to guide customers quickly, securely, and fully digitally through the application process.  <\/p>\n","protected":false},"author":3,"featured_media":31022,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[751],"tags":[753,794],"class_list":["post-31021","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-identity-wallet","tag-industry-use-cases"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Retirement Savings Depot 2027: How Insurers Can Compete<\/title>\n<meta name=\"description\" content=\"For insurers and neobrokers, the Retirement Savings Depot is becoming a competitive test. 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