{"componentChunkName":"component---src-templates-news-article-index-tsx","path":"/latest-insights/article/ohpen-and-ortec-finance-join-forces-to-bring-innovation-to-pensions","result":{"data":{"cmsNews":{"id":"3fdc4d56-2800-503f-b02a-b61235f196e4","slug":"ohpen-and-ortec-finance-join-forces-to-bring-innovation-to-pensions","type":"default","title":"OHPEN AND ORTEC FINANCE JOIN FORCES TO BRING INNOVATION TO PENSIONS","excerpt":"Today, core banking platform Ohpen and technology and solution provider Ortec Finance announce a partnership to bring much-needed innovat...","body":"<div data-parent=\"true\" data-section=\"2\">\n<div data-imgready=\"true\">\n<p>Today, core banking platform Ohpen and technology and solution provider Ortec Finance announce a partnership to bring much-needed innovation to pensions solutions available in the market. By combining the Ohpen Platform with Ortec Finance&rsquo;s forecasting engine (OPAL), retail customers of financial services companies now have access to a comprehensive wealth forecast including all of their assets. Those customers now also have the option to keep their assets invested after retirement age, due to the introduction of new individual retirement products like &lsquo;doorbeleggen&rsquo; and options like lump sum withdrawal. For the average Dutch pensioner, choosing a &lsquo;doorbeleggen&rsquo; product for their individual pension over a traditional annuity could mean a possible pension increase of one third1.&nbsp;</p>\n<p>Ohpen&rsquo;s platform will be used for the administration of investment accounts and Ortec Finance will provide a forecasting engine (OPAL) which can forecast customers&rsquo; wealth based on their investment products and forecast income to extract from such investment products. Both the Ohpen Platform and OPAL work cross-pillar, taking into account all of the customer&rsquo;s assets &ndash; their government pension, workplace pension, fiscal investments, and unwrapped investments and savings. This means for the first-time customers will have a comprehensive view of their forecasted pension income.&nbsp;</p>\n</div>\n</div>\n<div data-parent=\"true\" data-section=\"3\">\n<div data-imgready=\"true\">\n<p>Iwan Schafthuizen, Partner Managing Director at Ortec Finance:&nbsp;&ldquo;We see an increase in life expectancy and more responsibility for customers to arrange their individual pension. Customer research has shown that a better understanding of retirement and retirement options is key. Ohpen and Ortec Finance worked on a simple customer client journey which is accessible to this target group, alerts them to take action for their retirement, let them play with options to retire and help them achieve a better retirement with innovative individual pension products. We strongly believe in combining core-banking technology of Ohpen with our best of breed OPAL calculation engine.&rdquo;</p>\n<p>Currently, when customers reach retirement age their investments are sold, and a cash disbursing product is bought. Now, thanks to this partnership, customers can leave their assets invested after retirement age. This means that if the average pensioner swaps their regular annuity for a &lsquo;doorbeleggen&rsquo; product for their individual pension, it can increase by 30%1 over a period of 20 years. As the pension remains invested, customers will also have access to Ortec Finance&rsquo;s institutional grade economic scenario engine, enabling monitoring of the financial goals of a customer.</p>\n</div>\n</div>\n<div data-parent=\"true\" data-section=\"4\">\n<div data-imgready=\"true\">\n<p>Angelique Schouten, CCO at Ohpen explains:&nbsp;&ldquo;Innovation has been long needed in this sector. Previously, pensioners have had little choice in investment options for their pension once retired. Traditional annuities, while still generating additional funds, are tied to low interest rates and not in line with the returns investments in, say, equity and fixed income can bring. Our partnership with Ortec Finance, and this much-needed innovation, enables banks, asset managers and pension providers to fully support customers across all pillars, offering them a clear view of their monthly income for the first time.&rdquo;</p>\n<p>An integration showing the combined power of OPAL and the Ohpen Platform is available for demonstration. If you are interested in exploring how Ortec Finance and Ohpen can help you innovate your individual pension services, please contact Iwan Schafthuizen (<a href=\"mailto:iwan.schafthuizen@ortec-finance.com\">iwan.schafthuizen@ortec-finance.com</a>, +31(0)620620086) or Kees Postma (<a href=\"mailto:kpostma@ohpen.com\">kees@ohpen.com</a>, +31(0)640865973).</p>\n</div>\n</div>\n<div data-parent=\"true\" data-section=\"5\">\n<div data-imgready=\"true\">\n<div>\n<div>\n<div>\n<div>\n<div>\n<div>\n<div>\n<p>Notes to Editors</p>\n<p>1&nbsp;based on comparisons between a &lsquo;doorbeleggen&rsquo; product for an individual pension with a neutral risk appetite and a traditional annuity, assuming a pension capital of &euro;250,000 paid out over 20 years. As with all investments, profit is not guaranteed, and capital is at risk.</p>\n<h3>ABOUT OHPEN</h3>\n<p>Ohpen is the first core-banking engine in the cloud to fulfil one simple promise: IT. JUST. WORKS. The Ohpen Platform was built from the ground up by experienced bankers and software developers to administer retail savings and investment accounts. Ohpen frees financial institutions such as banks, insurers, investment institutions and pension funds from having to use legacy systems and processes. Aegon, Knab, Robeco, Nationale-Nederlanden, Volksbank and LeasePlan Bank are all customers who have found a reliable, flexible and compliant solution in the Ohpen Platform. More than 150 people work at the company&rsquo;s Amsterdam headquarters and at its software development office in Barcelona, Spain. For more information visit:&nbsp;<a href=\"http://www.ohpen.com/\">www.ohpen.com</a></p>\n<h3>ABOUT ORTEC FINANCE</h3>\n<p>Ortec Finance is the leading provider of technology and solutions for risk and return management.</p>\n<p>It is our purpose to enable people to manage the complexity of investment decisions. OPAL facilitates goal-based planning and monitoring of goals. It is a software solution based on proven asset and liability management techniques from the world of institutional investments and crucial for supporting and improving investment decision making. We do this by leveraging our world-class institutional scenario engine as the core of the solution. OPAL enables financial institutions and advisers to translate clients personal goals into an optimal investment plan and monitor these goals over time.</p>\n<p>With more than 500 customers represented over 20+ countries, a retention rate of 96% and 3 trillion euro total assets managed by our clients Ortec Finance is headquartered in Rotterdam and has offices in Amsterdam, London, Toronto, Hong Kong, Zurich and Melbourne.</p>\n<p>For more information visit:&nbsp;<a href=\"http://www.ortecfinance.com/OPAL\">www.ortecfinance.com</a></p>\n<p>For more information, please contact:</p>\n<p>Laura Winn<br /><a href=\"mailto:lwinn@ohpen.com\">laura@ohpen.com</a><br />+31 (0)6 83488658</p>\n<p>Ergaalem Daniel<br /><a href=\"mailto:Ergaalem.Daniel@ortec-finance.com\">Ergaalem.Daniel@ortec-finance.com</a><br />+31 (0)6 50091882</p>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<div data-parent=\"true\" data-section=\"6\">\n<div data-imgready=\"true\">\n<div>\n<div>\n<div>\n<div>\n<div>\n<div>&nbsp;</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>","desktop_body":"<div data-parent=\"true\" data-section=\"2\">\n<div data-imgready=\"true\">\n<p>Today, core banking platform Ohpen and technology and solution provider Ortec Finance announce a partnership to bring much-needed innovation to pensions solutions available in the market. By combining the Ohpen Platform with Ortec Finance&#x2019;s forecasting engine (OPAL), retail customers of financial services companies now have access to a comprehensive wealth forecast including all of their assets. Those customers now also have the option to keep their assets invested after retirement age, due to the introduction of new individual retirement products like &#x2018;doorbeleggen&#x2019; and options like lump sum withdrawal. For the average Dutch pensioner, choosing a &#x2018;doorbeleggen&#x2019; product for their individual pension over a traditional annuity could mean a possible pension increase of one third1.&#xA0;</p>\n<p>Ohpen&#x2019;s platform will be used for the administration of investment accounts and Ortec Finance will provide a forecasting engine (OPAL) which can forecast customers&#x2019; wealth based on their investment products and forecast income to extract from such investment products. Both the Ohpen Platform and OPAL work cross-pillar, taking into account all of the customer&#x2019;s assets &#x2013; their government pension, workplace pension, fiscal investments, and unwrapped investments and savings. This means for the first-time customers will have a comprehensive view of their forecasted pension income.&#xA0;</p>\n</div>\n</div>\n<div data-parent=\"true\" data-section=\"3\">\n<div data-imgready=\"true\">\n<p>Iwan Schafthuizen, Partner Managing Director at Ortec Finance:&#xA0;&#x201C;We see an increase in life expectancy and more responsibility for customers to arrange their individual pension. Customer research has shown that a better understanding of retirement and retirement options is key. Ohpen and Ortec Finance worked on a simple customer client journey which is accessible to this target group, alerts them to take action for their retirement, let them play with options to retire and help them achieve a better retirement with innovative individual pension products. We strongly believe in combining core-banking technology of Ohpen with our best of breed OPAL calculation engine.&#x201D;</p>\n<p>Currently, when customers reach retirement age their investments are sold, and a cash disbursing product is bought. Now, thanks to this partnership, customers can leave their assets invested after retirement age. This means that if the average pensioner swaps their regular annuity for a &#x2018;doorbeleggen&#x2019; product for their individual pension, it can increase by 30%1 over a period of 20 years. As the pension remains invested, customers will also have access to Ortec Finance&#x2019;s institutional grade economic scenario engine, enabling monitoring of the financial goals of a customer.</p>\n</div>\n</div>\n<div data-parent=\"true\" data-section=\"4\">\n<div data-imgready=\"true\">\n<p>Angelique Schouten, CCO at Ohpen explains:&#xA0;&#x201C;Innovation has been long needed in this sector. Previously, pensioners have had little choice in investment options for their pension once retired. Traditional annuities, while still generating additional funds, are tied to low interest rates and not in line with the returns investments in, say, equity and fixed income can bring. Our partnership with Ortec Finance, and this much-needed innovation, enables banks, asset managers and pension providers to fully support customers across all pillars, offering them a clear view of their monthly income for the first time.&#x201D;</p>\n<p>An integration showing the combined power of OPAL and the Ohpen Platform is available for demonstration. If you are interested in exploring how Ortec Finance and Ohpen can help you innovate your individual pension services, please contact Iwan Schafthuizen (<a href=\"mailto:iwan.schafthuizen@ortec-finance.com\">iwan.schafthuizen@ortec-finance.com</a>, +31(0)620620086) or Kees Postma (<a href=\"mailto:kpostma@ohpen.com\">kees@ohpen.com</a>, +31(0)640865973).</p>\n</div>\n</div>\n<div data-parent=\"true\" data-section=\"5\">\n<div data-imgready=\"true\">\n<div>\n<div>\n<div>\n<div>\n<div>\n<div>\n<div>\n<p>Notes to Editors</p>\n<p>1&#xA0;based on comparisons between a &#x2018;doorbeleggen&#x2019; product for an individual pension with a neutral risk appetite and a traditional annuity, assuming a pension capital of &#x20AC;250,000 paid out over 20 years. As with all investments, profit is not guaranteed, and capital is at risk.</p>\n<h3>ABOUT OHPEN</h3>\n<p>Ohpen is the first core-banking engine in the cloud to fulfil one simple promise: IT. JUST. WORKS. The Ohpen Platform was built from the ground up by experienced bankers and software developers to administer retail savings and investment accounts. Ohpen frees financial institutions such as banks, insurers, investment institutions and pension funds from having to use legacy systems and processes. Aegon, Knab, Robeco, Nationale-Nederlanden, Volksbank and LeasePlan Bank are all customers who have found a reliable, flexible and compliant solution in the Ohpen Platform. More than 150 people work at the company&#x2019;s Amsterdam headquarters and at its software development office in Barcelona, Spain. For more information visit:&#xA0;<a href=\"http://www.ohpen.com/\">www.ohpen.com</a></p>\n<h3>ABOUT ORTEC FINANCE</h3>\n<p>Ortec Finance is the leading provider of technology and solutions for risk and return management.</p>\n<p>It is our purpose to enable people to manage the complexity of investment decisions. OPAL facilitates goal-based planning and monitoring of goals. It is a software solution based on proven asset and liability management techniques from the world of institutional investments and crucial for supporting and improving investment decision making. We do this by leveraging our world-class institutional scenario engine as the core of the solution. OPAL enables financial institutions and advisers to translate clients personal goals into an optimal investment plan and monitor these goals over time.</p>\n<p>With more than 500 customers represented over 20+ countries, a retention rate of 96% and 3 trillion euro total assets managed by our clients Ortec Finance is headquartered in Rotterdam and has offices in Amsterdam, London, Toronto, Hong Kong, Zurich and Melbourne.</p>\n<p>For more information visit:&#xA0;<a href=\"http://www.ortecfinance.com/OPAL\">www.ortecfinance.com</a></p>\n<p>For more information, please contact:</p>\n<p>Laura Winn<br><a href=\"mailto:lwinn@ohpen.com\">laura@ohpen.com</a><br>+31 (0)6 83488658</p>\n<p>Ergaalem Daniel<br><a href=\"mailto:Ergaalem.Daniel@ortec-finance.com\">Ergaalem.Daniel@ortec-finance.com</a><br>+31 (0)6 50091882</p>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<div data-parent=\"true\" data-section=\"6\">\n<div data-imgready=\"true\">\n<div>\n<div>\n<div>\n<div>\n<div>\n<div>&#xA0;</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>","date":"2020-04-29","city":"Amsterdam","media":null,"thumbnail":{"data":{"url":"https://ohpen-cms.s3-eu-west-1.amazonaws.com/bd8a1598-d3dd-4082-a0c1-e5d287ecc17d.jpeg"}},"desktop_images":[]}},"pageContext":{"id":"3fdc4d56-2800-503f-b02a-b61235f196e4","language":"en","i18n":{"language":"en","languages":["en"],"defaultLanguage":"en","routed":false,"resources":{"en":{"translation":{"global.please-do-not-change":"Copy 30","global.quickmenu_platform":"OUR PLATFORM","global.quickmenu_dna":"OUR DNA","global.cursor_next_button_cta":"NEXT","global.menu_platform":"OUR PLATFORM","global.menu_platform_subtext":"Experience limitless freedom","global.menu_dna":"OUR DNA","global.menu_dna_subtext":"Our mission, mentality, people","global.menu_contact":"CONTACT US","global.menu_contact_subtext":"Talk to us live or book a meeting","global.menu_sub_careers":"CAREERS","global.menu_sub_news":"NEWS","global.menu_sub_privacy":"PRIVACY POLICY","global.contact_super":"Contact us","global.contact_title":"IT’S TIME FOR A CHANGE","global.contact_body":"Get in touch. 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Like, for example, adventurer and world record holder Mark Slats, who challenges the oceans to generate money for charitable causes.","dna.sponsor_cta":"OUR TEAM","dna.sponsor_quote_body":"“If you can’t stop thinking about it, stop dreaming and just do it.”","dna.sponsor_quote_title":"Mark Slats - Adventurer and World record holder","dna.sponsor_detail_cta":"Mark's journey","dna.ohpeneeroverview_super":"Our team","dna.ohpeneeroverview_title":"MEET THE OHPENEERS","dna.ohpeneeroverview_body":"Our Ohpeneers define our business. Each one is part of the fabric of our offering, and everyone brings passion to their field of expertise. Experienced bankers. Fanatic software engineers. Seasoned compliance specialists.","dna.ohpeneeroverview_cta":"MAKING AN IMPACT","dna.social_super":"Social responsibility","dna.social_title":"FOR A BETTER TOMORROW","dna.social_body":"\nWe’re committed to the highest professional and ethical standards, regarding both people and planet.  ","dna.social_cta":"LET’S TALK ABOUT THE FUTURE","dna.social_toggle1":"PLANET","dna.social_toggle1_title":"PLANET","dna.social_toggle1_body":"It’s greener in the cloud, with an 88% reduction in CO2 emissions. The cloud-native strategy we’ve followed since 2009, helps reduce our clients' environmental footprint. In addition, we believe ‘every small thing helps’ which is why we use 100% renewable energy, have a no-car policy and work with a strict procurement policy for all our partners.","dna.social_toggle2":"PEOPLE","dna.social_toggle2_title":"PEOPLE","dna.social_toggle2_body":"We strongly believe that compliance and ethics is an active attitude and not just a set of regulations. It is a system of moral principles. These principles are as diverse as the fabric we are made of. The Ohpen team values diversity and inclusion; gender, ethnicity, religion, nationality, age, etc. It strengthens us, as more opinions and backgrounds bring new perspectives. We do not engage with parties that are in violation of the ILO Fundamental Principles and Rights at Work. ","dna.followup_super":"Plan a meeting","dna.followup_title":"SAY HELLO TO FREEDOM","dna.followup_body":"Let us show you what freedom looks like for your financial services company. We will happily come to you and give you an on-site demo. If an online demo is preferred, we can do that as well. It’s up to you.","dna.followup_cta1":"PLAN A MEETING AT YOUR OFFICE","dna.followup_cta2":"BOOK A STAY IN AMSTERDAM","dna.followup_cta_right":"OUR PLATFORM","cases.please-do-not-change":"Copy","cases.testimonials_cta":"LET’S TALK ABOUT THE FUTURE","careers.please-do-not-change":"Copy","careers.settle_title":"NEVER SETTLE","careers.settle_body":"Our strong drive for change and relentless persistence brought us where we are today. And maybe it’s that same drive that brought you here.","careers.settle_super":"Join our mission","careers.settle_cta_1":"Mind & Body","careers.tour_title":"BE PART OF OUR TEAM","careers.tour_body":"Get a taste of what it’s like to work at Ohpen.","careers.become_super":"Be a changemaker","careers.become_title":"Become an Ohpeneer","careers.become_body":"We didn’t start Ohpen to be just another company, we started Ohpen to be nothing less than amazing. This is your chance to join some of the sharpest minds in the business and help reshape the world of (cloud) banking software. ","careers.become_cta_1":"Find your mission ","careers.become_cta_2":"Life at Ohpen","careers.become_quote_body":"If you really want to make a change,this is where you’ll have the opportunity","careers.become_quote_name":"Leonid","careers.become_quote_job":"Ohpeneer","careers.health_super":"Mind & Body","careers.health_title":"HEALTH MATTERS","careers.health_body":"Life’s too short to live it badly. Your health matters - not only physical, but also mental. We offer all our Ohpeneers the opportunity to clear their minds in the office or at home. Choose from a wide variety of classes like Kickboxing, High Intensity Training, Yoga, Yoga or Meditation. At our office in Amsterdam we even have a 4.000 square foot gym at your disposal.","careers.health_cta_1":"Find your balance","careers.play_super":"Find your balance","careers.play_title":"LIVE IN BALANCE","careers.play_body":"At Ohpen we are serious about a good work life balance. We want to make sure you enjoy work as well as your personal life. Because we believe your best ideas will come from being in balance with both.","careers.play_cta_1":"Ohpen to Vegas","careers.hotel_super":"You're invited","careers.hotel_title":"come and stay","careers.hotel_body":"We're an international bunch, but Ohpen's head office is in Amsterdam. We want to make it easy for all our Ohpeneers to visit HQ, so if you ever need to be there, just stay at the Ohpen Hotel. The hotel is situated in the heart of the city and is free of charge for all invitees.","careers.hotel_cta_1":"Find your mission","careers.mission_title":"Join our mission","careers.mission_body":"We're here to develop the best core banking engine in the world. Sound exciting? Learn more about life at Ohpen and find your next mission.","clients.clients_header":"Clients & Cases","clients.clients_body":"Leading financial service providers trust their critical business processes to Ohpen's platform.","news.news_header":"Latest insights","news.news_body":"Here we share our insights, opinions and the latest company and product developments.","global.menu_sub_cases":"CLIENTS & CASES","global.menu_sub_mediakit":"MEDIA KIT","careers.filter_location":"by location","careers.filter_department":"by department","careers.filter_title":"FILTER RESULTS","careers.overview_super":"Join our mission","careers.overview_title":"All job openings","careers.overview_noresults_super":"No results (yet)","careers.overview_noresults_title":"Try adding or removing selected filters","cases.testimonials_fullstory":"See all cases","careers.filter_close":"Apply Filters","careers.filter_remove":"Remove filters","cases.freedom_super":"Don't just take our word for it","cases.freedom_title":"Freedom for our clients","cases.freedom_body":"We’re proud to support a wide variety of clients such as retail banks, asset managers, insurers, mortgage providers, pension providers and building societies.","cases.freedom_cta_1":"View client cases","global.menu_sub_team":"THE TEAM","careers.play_cta_2":"The Ohpen Hotel"}}},"originalPath":"/latest-insights/article/ohpen-and-ortec-finance-join-forces-to-bring-innovation-to-pensions","path":"/latest-insights/article/ohpen-and-ortec-finance-join-forces-to-bring-innovation-to-pensions"}}}}