In this episode of the SAATKORN podcast, I speak to Marc Karkossa, co-founder and CEO of DYNO. Marc grew up in the world of insurance and has first-hand experience of traditional occupational pension schemes. Today, with DYNO, he is reimagining precisely this system – using technology, automation, ETFs and a consistent focus on the user experience. One thing Marc said really stuck with me: “Ultimately, we’re passionate about making the most of every euro we have available in Germany to build up a pension – and that’s why that euro must generate the maximum possible pension.”
Among other things, we discussed the following topics:
🚀 From an outdated insurance product to a Pension Operating System
DYNO integrates with existing HR and payroll systems and creates a ‘single source of truth’ – making occupational pensions significantly simpler, more transparent and more automated for HR, employees and all other stakeholders.
🤖 How AI makes DYNO extremely scalable
With just nine staff members, DYNO has managed to onboard more than 600 companies in around two and a half years – and Marc explains the crucial role AI plays in onboarding, document processing, data verification and the individual employee experience.
💰 Why transparency and lower costs could transform occupational pension schemes
High commissions, a lack of transparency and complicated processes characterise many traditional occupational pension schemes – Marc shows why technology, ETF-based investments and greater cost transparency can fundamentally change this whilst simultaneously taking a massive load off HR.
🔗 Further links
🎧 Fancy an update on occupational pension schemes?
If you work in HR or People & Culture, or want to know why occupational pension schemes can be a genuinely relevant employee benefit rather than just an administrative chore, you should listen to this episode: