Xaver is the enabler to close Europe’s pension gap. By offering an advanced AI-driven B2B platform for life insurance and private pension sales, Xaver enhances the operational and sales efficiency of banks, insurers, and brokers by up to 65% and introduces a new era of white-labeled private pension products. Xaver's modular B2B platform assists financial services companies along the entire customer value chain:

1. Transparency is the key trigger to act: Transparency on the own pension situation and a potential pension gap is the biggest trigger for customers to act and get subsequent financial advice. Therefore, we start with offering the fastest and most convenient way to get transparency regarding one' own pension sitsuation across all pillars, utilizing personalized communication, external data sources, own pension sit and Xaver’s AI pension estimator.

2. Digital funnels as personalized as a conversation with your financial advisor: The Xaver platform combines personalized digital funnels with customer-specific content, tone of voice and individualized visuals with a digital AI advisor, guiding customers through the steps with customer-specific advice and recommendations. This digital funnel allows compliant sales of today’s life insurance and pension products. However, the focus of the digital AI advisor is to prepare the customer for a well-prepared consultation with the offline advisor, generating a seamless, personalized omnichannel experience.

3. Xaver.agent, the AI Co-Pilot for financial advisors: Xaver.agent offers preparatory insights, real-time sentiment analysis and advice, transcriptions and data point extractions and handles operational post-sales processes. Agents can fully focus on human interaction, the AI Co-Pilot assists and takes care of the rest. This not only boosts the operational efficiency of sales teams by up to 50%, but also the client satisfaction and conversion rates.

4. “pAV/PEPP-as-a-Service”: Cost-efficient, white-labeled AV products: Besides advising on and selling today’s financial product by Xaver’s partners, Xaver is preparing to launch a modern, white-labeled pension product, e.g., in form of the Pan-European Pension Product (PEPP). This provides Xaver’s partners low-cost pension products, enabling them to pioneer a novel and customer-centric offering in a competitive market.

5. Our Xaver.nova AI is built and trained to be the compliant AIaaS model for financial advisory and sales: Xaver.nova, the platform's proprietary multi-LLM orchestration model, is built and trained for financial services use cases and financial services compliance and data security. Xaver.nova is fully integrated into the Xaver sales platform but can also be integrated into partner’s solutions via API supporting a wide range of use cases: It streamlines processes, takes over administrative tasks, makes suggestions, and secures regulatory compliance, allowing agents to focus on efficient customer interaction with excellent customer experience in life insurance and pension sales