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5-min read • 25 Jun 2026
Banking
Avaloq Practice
Germany
Germany’s New Era of Retirement Provision
Banks must act now to build compliant product offerings or risk losing client relevance in a rapidly shifting market.
Written by Sonja Pandit and Michael Hesse
Our Experts In This Topic
OUR EXPERT
Michael Hesse
Associate Partner • Banking
Michael Hesse is an Associate Partner and Avaloq Certified Professional with over 15 years of experience in banking transformation. As Avaloq Team Head in Germany, Michael specializes in end-to-end implementation projects, migrations, and system upgrades for private and retail banks. His expertise spans business analysis, functional and technical design, and program leadership across complex core banking initiatives.
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5-min read • 25 Jun 2026
Banking
Avaloq Practice
Germany
Germany’s New Era of Retirement Provision
Banks must act now to build compliant product offerings or risk losing client relevance in a rapidly shifting market.
Written by Sonja Pandit and Michael Hesse
Our Experts In This Topic
OUR EXPERTMichael Hesse
Associate Partner • Banking
Michael Hesse is an Associate Partner and Avaloq Certified Professional with over 15 years of experience in banking transformation. As Avaloq Team Head in Germany, Michael specializes in end-to-end implementation projects, migrations, and system upgrades for private and retail banks. His expertise spans business analysis, functional and technical design, and program leadership across complex core banking initiatives.