{"id":31460,"date":"2026-10-26T16:47:03","date_gmt":"2026-10-26T15:47:03","guid":{"rendered":"https:\/\/nect.com\/media\/okategoriserad\/saa-haenger-foersaekringsbolag-med-neobrokers-i-pensionssparandepaadepaan-2027\/"},"modified":"2026-10-27T20:39:18","modified_gmt":"2026-10-27T19:39:18","slug":"saa-haenger-foersaekringsbolag-med-neobrokers-i-pensionssparandepaadepaan-2027","status":"publish","type":"post","link":"https:\/\/nect.com\/sv\/media\/blogg\/saa-haenger-foersaekringsbolag-med-neobrokers-i-pensionssparandepaadepaan-2027\/","title":{"rendered":"S\u00e5 h\u00e4nger f\u00f6rs\u00e4kringsbolag med neobrokers i pensionssparandep\u00e5dep\u00e5n 2027"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31460\" class=\"elementor elementor-31460 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\tFr\u00e5n och med 1 januari 2027 skapas med pensionssparandep\u00e5dep\u00e5n (AVD) en ny marknad f\u00f6r subventionerat privat pensionssparande. F\u00f6r f\u00f6rs\u00e4kringsbolag, banker och finansakt\u00f6rer handlar det d\u00e5 inte bara om vem som erbjuder den mest attraktiva produkten, utan om vem som snabbt, s\u00e4kert och helt digitalt leder kunder genom tecknandet. Det \u00e4r h\u00e4r framg\u00e5ngen avg\u00f6rs: identifieringen \u00e4r ett krav, en conversion-h\u00e4vst\u00e5ng och en compliance-risk p\u00e5 samma g\u00e5ng.   \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\">Det viktigaste i korthet<\/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>Med pensionssparandep\u00e5dep\u00e5n (AVD) uppst\u00e5r fr\u00e5n 2027 en ny konkurrensmarknad d\u00e4r f\u00f6rs\u00e4kringsbolag, banker och neobrokers konkurrerar om samma kunder.<\/li><li>Den digitala identifierings- och KYC-processen blir en avg\u00f6rande framg\u00e5ngsfaktor, eftersom en snabb legitimering utan avbrott mellan kanaler tydligt \u00f6kar conversion samtidigt som regulatoriska krav uppfylls.<\/li><li>Leverant\u00f6rer b\u00f6r integrera sina KYC- och signaturprocesser i god tid f\u00f6r att vid marknadsstart kunna erbjuda en skalbar, compliance-konform och anv\u00e4ndarv\u00e4nlig teckningsresa.<\/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\tInneh\u00e5llsf\u00f6rteckning\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=\"\u00d6ppna inneh\u00e5llsf\u00f6rteckning\"><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=\"St\u00e4ng inneh\u00e5llsf\u00f6rteckning\"><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\">Vad \u00e4r pensionssparandep\u00e5dep\u00e5n<\/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\tPensionssparandep\u00e5dep\u00e5n \u00e4r en statligt subventionerad v\u00e4rdepappersdep\u00e5 f\u00f6r privat pensionssparande. Den ska g\u00f6ra den tidigare Riester-v\u00e4rlden modernare, mer digital och mer kapitalmarknadsorienterad. Sparare kommer fram\u00f6ver i h\u00f6gre grad att kunna investera i ETF:er, fonder och andra till\u00e5tna kapitalmarknadsprodukter. Beroende p\u00e5 produktmodell \u00e4r l\u00f6sningar utan garanti, med 80-procentsgaranti eller med 100-procentsgaranti m\u00f6jliga.    \n\nF\u00f6r leverant\u00f6rer inneb\u00e4r det: inte bara produktlogiken f\u00f6r\u00e4ndras, utan framf\u00f6r allt teckningslogiken; standardprodukten m\u00e5ste kunna tecknas digitalt. Samtidigt f\u00f6rv\u00e4ntar sig kunder en user experience som i dag \u00e4r standard hos neobrokers, banking-appar och moderna finansplattformar.  \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\">F\u00f6rs\u00e4kringsbolag, banker och neobrokers st\u00e5r i direkt konkurrens med varandra \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 och den digitala teckningsprocessen kan snabbt bli aff\u00e4rskritiska f\u00f6r pensionssparandep\u00e5dep\u00e5n. I \u00e5ratal har identifiering och legitimering varit ett av de st\u00f6rsta hindren i digitaliseringen av finans- och pensionsprodukter. Med pensionssparandep\u00e5dep\u00e5n hamnar fr\u00e5gan \u00e4nnu mer i fokus. Varje extra steg, varje avbrott mellan kanaler och varje v\u00e4ntetid f\u00f6rs\u00e4mrar leverant\u00f6rernas conversion. F\u00f6r den som m\u00e5ste legitimera sig under onboarding, komplettera med underlag eller v\u00e4nta p\u00e5 manuella kontroller avbryter processen betydligt oftare. Varje minuts f\u00f6rdr\u00f6jning \u00e4r en minut d\u00e5 intressenter kan v\u00e4lja bort att teckna. Pensionssparandep\u00e5dep\u00e5n f\u00f6r f\u00f6r f\u00f6rsta g\u00e5ngen samman leverant\u00f6rer fr\u00e5n olika v\u00e4rldar i direkt konkurrens. F\u00f6rs\u00e4kringsbolag konkurrerar inte l\u00e4ngre bara med andra f\u00f6rs\u00e4kringsbolag, utan i allt h\u00f6gre grad \u00e4ven med neobrokers, direktbanker och digitala investeringsplattformar. D\u00e4rmed blir digitala onboarding-processer, som tidigare ofta betraktats som en operativ fr\u00e5ga, pl\u00f6tsligt en strategisk konkurrensfaktor. H\u00f6gre conversion-tal inneb\u00e4r direkt fler tecknade avtal, l\u00e4gre anskaffningskostnader och b\u00e4ttre skalbarhet i aff\u00e4rsmodellen. AVD kommer att lanseras p\u00e5 en marknad d\u00e4r m\u00e5nga anv\u00e4ndare redan \u00e4r vana vid digitala finansappar. Neobrokers och direktbanker erbjuder ofta konto\u00f6ppning, v\u00e4rdepappershandel och identifiering helt digitalt och inom n\u00e5gra minuter. Den niv\u00e5n blir den nya m\u00e5ttstocken.            <\/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>F\u00f6r f\u00f6rs\u00e4kringsbolag skapar detta ett s\u00e4rskilt tryck. De m\u00e5ste uppfylla regulatoriska krav, r\u00e5dgivningsskyldigheter och mer komplexa produktmodeller och samtidigt leverera en user experience som \u00e4r j\u00e4mf\u00f6rbar med moderna appar. En bra tariff eller ett starkt produktl\u00f6fte r\u00e4cker inte om teckningsprocessen hackar i det avg\u00f6rande \u00f6gonblicket.  <\/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>Samtidigt \u00f6kar de regulatoriska kraven genom inf\u00f6randet av AMLR och <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>. Den egentliga fr\u00e5gan f\u00f6r leverant\u00f6rer \u00e4r d\u00e4rf\u00f6r inte bara hur attraktiv deras pensionssparandep\u00e5dep\u00e5 \u00e4r, utan om de kan f\u00f6rena regulatoriska krav med en s\u00f6ml\u00f6s kundupplevelse. Just d\u00e4rf\u00f6r blir den tekniska utformningen av identifiering, signatur och KYC-processer en avg\u00f6rande konkurrensfaktor f\u00f6r banker, f\u00f6rs\u00e4kringsbolag och neobrokers p\u00e5 AVD-marknaden. Den kan avg\u00f6ra om marknadsandelar fram\u00f6ver f\u00f6rskjuts till f\u00f6rm\u00e5n f\u00f6r digitala f\u00f6reg\u00e5ngare som m\u00f6jligg\u00f6r en helt digital och n\u00e4stan friktionsfri teckning.   <\/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\">En titt p\u00e5 den tekniska integrationen <\/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>Vid digital teckning av en pensionssparandep\u00e5dep\u00e5 hakar flera faser i varandra. I b\u00f6rjan st\u00e5r transparens och information genom produktinformation och subventionslogiken. D\u00e4refter f\u00f6ljer den juridiskt f\u00f6reskrivna r\u00e5dgivningen samt l\u00e4mplighetspr\u00f6vningen. N\u00e4r den tr\u00f6skeln \u00e4r passerad f\u00f6ljer identifiering av den nya kunden och den digitala signaturen. Avslutningen utg\u00f6rs av dep\u00e5uppl\u00e4gget och den efterf\u00f6ljande kundkommunikationen. \u00c4ven om de flesta etapper \u00e4r v\u00e4l styrbara utg\u00f6r identifieringen den st\u00f6rsta tr\u00f6skeln f\u00f6r conversion och 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-31462\" alt=\"N\u00e4rbild av ett m\u00f6tesbord med flera personer om pensionssparandep\u00e5dep\u00e5-l\u00f6sning f\u00f6r banker och f\u00f6rs\u00e4kringsbolag\" 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\">F\u00f6r vem \u00e4r l\u00f6sningen relevant?<\/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>F\u00f6rs\u00e4kringsbolag<\/strong> som vill s\u00e4lja subventionerade pensionsprodukter digitalt fr\u00e5n 2027.<\/li><li><strong>Banker och sparbanker<\/strong> som integrerar AVD-produkter i befintliga digitala konto- eller dep\u00e5fl\u00f6den.<\/li><li><strong>Dep\u00e5banker och onlinebrokers<\/strong> som m\u00e5ste kombinera h\u00f6ga teckningsvolymer med en regulatoriskt robust KYC-infrastruktur.<\/li><li><strong>Fondbolag<\/strong> som f\u00f6r f\u00f6rsta g\u00e5ngen bygger mer direkta slutkundsprocesser f\u00f6r subventionerat pensionssparande.<\/li><li><strong>Plattformsleverant\u00f6rer<\/strong> som utvecklar AVD-as-a-Service-erbjudanden f\u00f6r finansiella tj\u00e4nsteleverant\u00f6rer.<\/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\">S\u00e5 l\u00f6ser Nect KYC-delen av pensionssparandep\u00e5dep\u00e5n<\/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 tillhandah\u00e5ller den <a href=\"https:\/\/nect.com\/sv\/produkter\/nect-ident\/\" target=\"_blank\" rel=\"noopener\">digitala identifierings- och signaturinfrastrukturen<\/a> som leverant\u00f6rer beh\u00f6ver f\u00f6r AVD-teckning. L\u00f6sningen kan integreras i befintliga teckningsfl\u00f6den eller kombineras med partners som del av ett st\u00f6rre AVD-uppl\u00e4gg. <\/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-modul<\/th>\n        <th>Nytta f\u00f6r AVD-use caset<\/th> \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n     \n      <\/tr>\n      <tr>\n        <td>eID \/ NFC<\/td>\n        <td>Digital identifiering med online-ID f\u00f6r s\u00e4rskilt h\u00f6ga tillitsniv\u00e5er och framtidss\u00e4kra eID-processer.<\/td> \n      <\/tr>\n      <tr>\n        <td>Auto Video-Ident<\/td>\n        <td>Kompletterande metod f\u00f6r anv\u00e4ndargrupper eller situationer d\u00e4r en assisterad ident-process \u00e4r meningsfull.<\/td>\n      <\/tr>\n      <tr>\n        <td>Kvalificerad elektronisk signatur<\/td>\n        <td>Juridiskt s\u00e4ker digital signatur direkt i teckningsprocessen utan papper, postutskick eller avbrott mellan kanaler.<\/td> \n      <\/tr>\n      <tr>\n        <td>PEP- och sanktionslistkontroller<\/td>\n        <td>Compliance-n\u00e4ra kontroller kan byggas in i det digitala KYC-fl\u00f6det.<\/td>\n      <\/tr>\n      <tr>\n        <td>Revisionsbar dokumentation<\/td>\n        <td>Sp\u00e5rbar process- och kontroll\u00addokumentation f\u00f6r compliance, revision och regulatoriska bevis.<\/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\">D\u00e4rf\u00f6r b\u00f6r leverant\u00f6rer agera nu <\/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\tMarknadsstarten den 1 januari 2027 skapar tidspress. Produkt, IT, regulatoriska processer, r\u00e5dgivning, KYC, signatur och drift m\u00e5ste samspela i tid. S\u00e4rskilt KYC-beslutet b\u00f6r fattas tidigt, eftersom det p\u00e5verkar anv\u00e4ndarfl\u00f6den, compliance, datafl\u00f6den och teknisk arkitektur p\u00e5 djupet.   \n\nDen som integrerar identifieringsprocessen sent riskerar avbrott mellan kanaler, svag conversion och omfattande efterjusteringar. Den som tidigt ser KYC som en central infrastrukturmodul kan g\u00f6ra hela teckningsresan stabilare, snabbare och mer skalbar.  \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 om pensionssparandep\u00e5dep\u00e5n<\/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\"> Varf\u00f6r \u00e4r KYC-processen s\u00e5 viktig f\u00f6r pensionssparandep\u00e5dep\u00e5n?  <\/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 \u00e4r ett av de avg\u00f6rande stegen i den digitala teckningen. Om identifieringen tar f\u00f6r l\u00e5ng tid, inte matchar anv\u00e4ndarens dokument eller skapar avbrott mellan kanaler sjunker conversion. Samtidigt m\u00e5ste reglerade akt\u00f6rer p\u00e5 ett robust s\u00e4tt kunna hantera identitetskontroll, dokumentation och riskkontroller.  \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\"> Vilka identifieringsmetoder erbjuder Nect f\u00f6r det h\u00e4r use caset? <\/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 st\u00f6djer automatiserad Video-Ident, Nect ePass, Nect eID, Nect Wallet Re-Ident och f\u00f6rbereder anslutning till EUDI Wallet. Det g\u00f6r att leverant\u00f6rer kan t\u00e4cka olika anv\u00e4ndargrupper via en central identitetsplattform. \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\"> Vad skiljer automatiserad Video-Ident fr\u00e5n klassisk 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\tVid automatiserad Video-Ident sker identifieringen utan en live-ansluten callcenter-agent. Anv\u00e4ndare leds digitalt genom processen. Nect anv\u00e4nder videoinspelningar av ID-handlingen och en selfie-video \u2014 inte en renodlat fotobaserad Foto-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\"> Kan Nect ocks\u00e5 vara en del av en st\u00f6rre AVD-as-a-Service-l\u00f6sning?  <\/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 fokuserar p\u00e5 KYC- och identitetsk\u00e4rnan. Kompletterande partners kan t\u00e4cka andra delar av den digitala teckningsresan, till exempel r\u00e5dgivning, l\u00e4mplighetspr\u00f6vning, ans\u00f6kningslogik, signaturprocesser eller integrationer i plattforms- och best\u00e5ndssystem.  \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\"> \u00c4r Nect f\u00f6rberett f\u00f6r 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 f\u00f6rbereder integreringen av EUDI Wallet som en ytterligare identitetsv\u00e4g. D\u00e4rmed kan leverant\u00f6rer planera sina KYC-fl\u00f6den i dag s\u00e5 att de fram\u00f6ver samspelar med europeiska digitala identitetswallets. \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\":\"Varf\\u00f6r \\u00e4r KYC-processen s\\u00e5 viktig f\\u00f6r pensionssparandep\\u00e5dep\\u00e5n?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"KYC \\u00e4r ett av de avg\\u00f6rande stegen i den digitala teckningen. Om identifieringen tar f\\u00f6r l\\u00e5ng tid, inte matchar anv\\u00e4ndarens dokument eller skapar avbrott mellan kanaler sjunker conversion. Samtidigt m\\u00e5ste reglerade akt\\u00f6rer p\\u00e5 ett robust s\\u00e4tt kunna hantera identitetskontroll, dokumentation och riskkontroller.\"}},{\"@type\":\"Question\",\"name\":\"Vilka identifieringsmetoder erbjuder Nect f\\u00f6r det h\\u00e4r use caset?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nect st\\u00f6djer automatiserad Video-Ident, Nect ePass, Nect eID, Nect Wallet Re-Ident och f\\u00f6rbereder anslutning till EUDI Wallet. Det g\\u00f6r att leverant\\u00f6rer kan t\\u00e4cka olika anv\\u00e4ndargrupper via en central identitetsplattform.\"}},{\"@type\":\"Question\",\"name\":\"Vad skiljer automatiserad Video-Ident fr\\u00e5n klassisk VideoIdent?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vid automatiserad Video-Ident sker identifieringen utan en live-ansluten callcenter-agent. Anv\\u00e4ndare leds digitalt genom processen. 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D\\u00e4rmed kan leverant\\u00f6rer planera sina KYC-fl\\u00f6den i dag s\\u00e5 att de fram\\u00f6ver samspelar med europeiska digitala identitetswallets.\"}}]}<\/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>Fr\u00e5n och med 2027-01-01 skapas med pensionssparandep\u00e5dep\u00e5n en ny marknad f\u00f6r subventionerat privat pensionssparande. F\u00f6r f\u00f6rs\u00e4kringsbolag, banker och finansakt\u00f6rer blir det viktigt att snabbt, s\u00e4kert och helt digitalt leda kunder genom tecknandet.  <\/p>\n","protected":false},"author":3,"featured_media":31461,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[816],"tags":[818,846],"class_list":["post-31460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogg","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>Pensionssparandep\u00e5dep\u00e5 2027: S\u00e5 h\u00e4nger f\u00f6rs\u00e4kringsbolag med<\/title>\n<meta name=\"description\" content=\"F\u00f6r f\u00f6rs\u00e4kringsbolag och neobrokers blir pensionssparandep\u00e5dep\u00e5n ett konkurrenstest. 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