How Ramify transformed pension transfers in France

Ramify, a leading French digital wealth management platform, uses Anessa to access and structure customers’ existing pension data within its digital transfer journey. The result: approximately 1.5× higher conversion, 1.5× more contracts transferred per customer and more than five times the capital captured.

Making a complex transfer journey simpler

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

In France, information about existing PER contracts is spread across different providers. Customers traditionally need to find and provide information about those contracts before a transfer can begin.

Ramify wanted to remove that burden and create a digital journey where customers could identify and transfer existing pension savings directly to the platform.

The right data, at the right point in the journey

Customers connect to their existing financial providers and consent to sharing their data. Anessa collects and structures the relevant contract information 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 required to identify which contracts can be transferred under local regulation.

Ramify controls the customer experience. Anessa provides the financial data infrastructure underneath it.

Samy Ouardini, Co-founder and President, Ramify

“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.”

Less friction, more assets transferred

Since introducing the new journey, Ramify has seen conversion increase by approximately 1.5×, while customers transfer approximately 1.5× more contracts.

The commercial impact goes further. Ramify has also seen more than five times the capital captured through the new journey.

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Samy Ouardini

“The impact goes beyond conversion. Since implementing the new transfer journey, we've seen more than five times the capital captured.”

Ramify’s results show what becomes possible when permissioned financial data is accessible and usable directly within a customer journey: a simpler experience for customers and more assets brought onto the platform.