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Industries

Pensions are important for every employee. They have the right to request from their employer that part of their future earnings – up to four per cent of the contribution ceiling for the statutory pension fund – are paid into their company pension scheme through the conversion of earnings into pension contributions (deferred compensation). This is an important measure to protect workers from old-age poverty. But everything has now changed due to COVID-19. To reflect the new reality, the 2022 contribution ceiling is set to be reduced under the draft bill from the German Federal Ministry of Labour and Social Affairs (Bundesministerium für Arbeit und Soziales, BMAS). How and to what extent are company pension schemes affected by this change? What challenges does this pose for companies, employees, insurance companies and pension providers? And how can these be overcome? You can find answers to these questions in the following blog post.

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Industries

The impact of digital transformation is also being felt in the lottery industry. Covid-19 has placed companies in the sector under immense pressure, with many customers unable to purchase lottery tickets at sales outlets once the lockdown was imposed. In addition, not all providers allow legal online gaming yet. It is high time that the industry address key trends that influence the lives of its customers and, ultimately, its bottom line. This blog post outlines five trends that lottery companies must now be ready for.

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Industries

Purchasing is tougher. The road to the digital transformation of the insurance industry is rocky. But we’re on the verge of a breakthrough. Corporate startups will be only one of the many manifestations of a newly digitalised insurance industry. Other manifestations will include new platforms, non-corporate startups and solutions created by tech players. In this blog post, I explain why this is the case and why corporate startups will be making a significant contribution.

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Industries

The company pension scheme is promoted by the German Act to Strengthen Occupational Pensions (Betriebsrentenstärkungsgesetz, BRSG) of 2018. This provides a state subsidy for employers who pay their low-income earners a company pension. But who is a ‘low-income earner’ and how much is the contribution? What challenges do insurance companies and pension providers have to face? And how can these be overcome? I’ll explain all in this blog post.

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Industries

Since 2016, utility companies in Germany have been obliged to digitalise their metering operations by the German Metering Point Operation Act (Messstellenbetriebsgesetz). Up to now, this has primarily focused on the electricity sector, but that is about to change with the draft bill for the Regulation on the Amendment of the German Heating Costs Ordinance (Verordnung über die Änderung der Heizkostenverordnung), which will also focus on submetering. In my blog post, I will explain everything you need to know about this topic.

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Industries

In my blog post, I would like to give you a general overview of the importance of a contemporary corporate culture that meets VUCA requirements in conjunction with digital solutions – among other things, with regard to 360-degree customer service in the insurance industry.

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Industries

In times of WhatsApp, chatbots and artificial intelligence, giving insured persons the chance to reach insurers via any channel is a goal that does not always succeed in the insurance industry. If you look at the developments taking place in the insurance market, you will see that it is no longer just about being individually accessible but that it is more a matter of winning the customer (digitally) where they are and where they move around. Hobbies and passions come to the fore and, as a consequence, interfaces to ecosystems. But what makes ecosystems interesting for end customers, insurers and brokers?

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Industries

Digitalisation and cross-hospital and cross-network working are of utmost importance in the hospital world. Above all, it is essential to comply with the requirements of the General Data Protection Regulation (GDPR). In this blog post, we explain how this can be achieved and describe the solutions we offer to support hospitals.

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Industries

The company pension scheme is promoted by the German Act to Strengthen Occupational Pensions (Betriebsrentenstärkungsgesetz, BRSG) of 2018. Employers are obliged to support their employees in building up a pension by making a contribution towards their deferred compensation. Previously, this contribution was only obligatory for new policies dated 1 January 2019 or later. As of 1 January 2022, employers will be obliged to pay this subsidy for all existing pension scheme policies. What challenges do insurance companies and pension providers have to face? And how can these be overcome? I’ll explain how in this blog post.

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