Powering
retirement
globally

Trusted by leading providers, Keystone’s pension administration platform delivers Defined Contribution pensions and long term savings solutions for millions of savers around the world.

The Keystone platform

Keystone is a cloud-native pensions administration platform, built and supported by pension and technology experts, delivered as Platform-as-a-Service (PaaS) or white-label. Keystone combines secure back-end pension management software with intuitive user experiences. Self-service and operational automation principles are embedded in both design and delivery.

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Administrators can manage the scheme using their portal - with automated record-keeping, contribution management, reporting and communications.

Partners can seamlessly integrate investment and product solutions, and feel confident the platform is secure and compliant.

Person looking at a laptop screen with pension data

Employers and Advisers can easily upload payroll contribution files and manage employee needs - using the Employer and Adviser portals.

Savers can view investment performance, manage contributions, update personal details and make retirement choices - all in-app.

Keystone makes tasks easy for end users

Seamless onboarding

Manage savings

Invest with confidence

Frictionless withdrawal

Engage and communicate

Seamless onboarding

Enrolment is simple and compliant for individuals and employers

Easily onboard members and employers through the Employer and Administrator portals
Integrate to payroll systems using the API, automating member processing

Manage savings

Securely manage money in (accumulation) - reducing errors and administrative tasks

Automate the collection, tracking and reconciliation of payments
Real-time reporting of transaction history

Invest with confidence

Give members access to a range of investment options

Robustly link to investment solutions
Accurately record and display fund growth

Frictionless withdrawal

Facilitate easy and comprehensive money withdrawal options for members (decumulation)

Timely payouts with real-time data processing
Security and compliance built in to every touch point

Engage and communicate

Keep members, employers and advisers engaged and informed

Provide multilingual portals, apps, and tools
Respond easily to customer queries through embedded webchat
Access customer information any time in the Administrator portal

Why choose Keystone?

Unconstrained growth

Cloud-native and modular approach means the platform is completely customisable and there are no limits on scale.

Greater efficiency

Automation of administration tasks, reduces cost to serve by 45%. Real-time data processing manages high transaction volumes.

Speed to market

The core platform can be built and delivered within 3-4 months. Adding enhanced bespoke elements once live.

Seamless Integration

Advanced API easily connects to existing or new infrastructure, adapting if you move to new systems.

Exceptional member experience

Intuitive app and portals foster engagement, and can be built in any currency or language.

Continuous development

As a PaaS offering, the core platform continues to grow and adapt over time.

Reduced legacy costs

Modern technology avoids the expense of maintaining legacy systems and upgrades.

Always secure

Enhanced compliance and security keep your members safe - and adapts to local regulations and reform.

More than a tech platform

We know what it takes to succeed in the pensions sector. Our consultative and collaborative approach creates the best solutions for you and your customers, adapting to local compliance and regulations.

Whether you’re setting up a new retirement solution or replatforming your service, our experts are here to help.

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Powering retirement systems across the globe

Keystone underpins large-scale pension systems that millions of members depend on every day.

Workplace pension and auto-enrolment

Keystone powers Smart Pension, serving millions of UK savers and 100,000 employers. More UK companies use Smart’s workplace pension scheme than any other commercial auto-enrolment provider.

End of Service Benefits Reform

Keystone’s proprietary technology is used for End of Service Benefit reform for the DIFC Employee Workplace Savings plan (DEWS) and the Dubai Government Savings Plan.

Corporate pension product

Certified as a Tier One supplier by the European Banking Authority, required by European banks using Keystone for their corporate pensions products. ISO27001 and AAF 01/20 compliant.