Digital Individual Benefit Statement: The Use of a Triangulation Methodology to Design a Digital Platform for Switzerland
Authors: Catherine Equey Balzli
Old age retirement pensions are an important concern among the Swiss but estimating one’s income after retirement is difficult due to the Swiss insurance system’s complexity. This project’s aim is to prepare for developing a digital platform that will allow individuals to plan for retirement in a simplified manner. The main objective of the platform will be to give individuals the tools to check that their savings and retirement benefits will allow them to continue the lifestyle to which they are accustomed once they are retired. The research results from qualitative (focus group) and quantitative (survey) methodologies, recommend the scope and functionalities for a digital platform to be developed. A main outcome is the need to limit the platform’s scope to old-age pension only (excluding survivors’ or disability pensions, for instance). Furthermore, an outcome regarding the functionalities is the proposition of scenarios such as early retirement, changes to income, or modifications to personal status. The development of the digital platform will be a subsequent project.Procedia APA BibTeX Chicago EndNote Harvard JSON MLA RIS XML ISO 690 PDF Downloads 39
 Crédit Suisse, “La prévoyance vieillesse reste en tête, la confiance envers les institutions chute,” in Baromètre des préoccupations du Crédit Suisse, 2019. https://www.credit-suisse.com/about-us/fr/rapports-recherche/etudes-publications/barometre-des-preoccupations.html.
 S. Ramaswamy, “The sustainability of pension schemes,” BIS Working Paper, no. 368, 2012, p. 21.
 G. B. Kuhn, “New benefit statement requirements for retirement plans” (Newsletter), Utz, Miller & Kuhn, LCC, vol. 3, 2007, p. 6.
 OECD, Improving Financial Education and Awareness on Insurance and Private Pensions. Paris, France: OECD Publishing, 2008. http://caliban.sourceoecd.com/vl=71354068/cl=20/nw=1/rpsv/cgibin/fulltextew.pl?prpsv=/ij/oecdthemes/9998007x/v2008n9/s1/p1l.idx.
 OECD, Communicating Pension Risk to DC Plan Members: The Chilean Case of a Pension Risk Simulator. City, Country: OECD Secretariat and Chilean Superintendence of Pensions, 2011.
 SWISSINFO, “Switzerland's three-pillar - Swiss insurance system for retirement, death and disability.” 2017. https://www.swissinfo.ch/eng/pillars-of-society_the-three-swiss-pension-pillars-explained/42995426.
 L. Larsson, A. Sundén, and O. Settergren, “Pension information: The annual statement at a glance,” OECD Journal: General Papers, vol. 2008, no. 3, 2008. http://www.oecd.org/dataoecd/38/42/44509412.pdf.
 O. Gough and C. Niza, “Retirement saving choices: Review of the literature and policy implications,” Journal of Population Ageing, vol. 4, no. 1–2, 2011, pp. 97–117.
 A. Schulz, D. Nikolic, and J. Speicher. “Platform revolution: How to make networked markets work for you,” Performance, vol. 8, no. 3, 2016, pp. 54–63.
 M. Q. Patton, “Enhancing the quality and credibility of qualitative analysis,” HSR: Health Services Research, vol. 34, no. 5, part II, 1999, pp. 1189–1208.
 ILO, “Universal social protection for human dignity, social justice and sustainable development”, General Survey concerning the Social Protection Floors, Recommendation, 2012 (No. 202), International Labour Conference, 108th Session, 2019, ISBN 978-92-2-131725-8.
 A. Kazdin, ed. “Encyclopedia of Psychology.” New York: Oxford University Press, 2000.