How Ramify transformed the pension transfer experience in France

Ramify, a leading French digital wealth management platform, partnered with Insurely to simplify the pension transfer journey, making it easier for customers to consolidate their pensions — resulting in higher conversion and more contracts transferred per customer.

Making a complex transfer journey simpler

For digital wealth platforms, winning a new customer is only part of the journey. Customers often already have significant savings and pensions held elsewhere, and bringing those assets onto a new platform can be a complex process.

This is particularly true for pension savings. In France, information about existing PER (Plan Epargne Retraite) contracts is held across different providers, making it difficult for customers to get a complete view of what they have and what can be transferred.

Ramify wanted to make that experience simpler. Rather than putting the burden on customers to find and provide information about their existing contracts, the goal was to create a more seamless digital journey for identifying and transferring existing pension savings to Ramify.

Building the transfer journey on instant access to financial data

With Insurely's data access, Ramify gives customers secure access to information about their existing PER contracts directly within the transfer journey.

Customers connect to their existing financial providers and consent to sharing their data. Insurely then collects and structures the relevant contract information instantly, and provides Ramify with the data needed to support the transfer.

This gives Ramify a consolidated view of a customer's existing pension contracts, including the information needed to identify which contracts can be transferred under local regulation.

Instead of building and maintaining connections to individual financial institutions, Ramify can use Insurely as the data infrastructure underneath the experience — while retaining control of its own customer journey.

“We wanted to make transferring existing retirement savings as straightforward as possible for our customers. Having access to the right information at the right point in the journey allows us to remove unnecessary friction and create a much more seamless experience.”

— Samy Ouardini, Co-founder and President, Ramify

A better experience that translates into measurable results

Since implementing the Insurely-powered transfer journey, Ramify has seen a clear change in customer behaviour. Conversion is approximately 1.5× higher than before implementing Insurely. At the same time, customers are transferring approximately 1.5× more contracts per customer.

Together, the results show the commercial impact of removing friction from the transfer journey. More customers complete the process, and those who do are bringing more of their existing retirement savings with them.

For a wealth platform, the impact ultimately goes beyond the transfer itself. Making it easier for customers to bring existing assets onto the platform can deepen the customer relationship and increase the amount of capital managed through it.

That is also what Ramify has seen since introducing the new journey.

“The impact goes beyond conversion. Since implementing the new transfer journey, we've seen more than five times the capital captured. For us, it demonstrates how much difference a smooth transfer experience can make — both for our customers and for our business.”

— Samy Ouardini, Co-founder and President, Ramify

Financial data as infrastructure for better financial products

Ramify's results demonstrate what becomes possible when financial data is made accessible and usable inside the customer journey.

The transfer experience is built by Ramify. Underneath it, Insurely handles the complexity of accessing financial data across providers and turning it into structured information that Ramify can use directly in its product.

For consumers, that means a simpler way to understand and transfer the retirement savings they already hold.

For Ramify, it means a transfer journey that converts more customers, brings more contracts onto the platform and can ultimately help capture more assets — without having to build the underlying financial data infrastructure from scratch.

Want to see what you could build with access to real-time savings and pension data?

Explore Insurely's Savings Data Access or talk to our team.