PensioTec exists to make good finance part of everyday life.
Smarter finances. Higher GDP.
At PensioTec, we are a team of kind and passionate people from finance, product, design, engineering and technology.
Our vision is to democratize financial knowledge and smart finance tools, empower people to achieve financial independence by the time they retire. PensioTec name reflects this vision, a fusion of “Pension” and “Technology.”
With decades of combined experience in finance, innovation, technology, automation, and B2B2C solutions, our team is dedicated to creating intuitive technologies that simplify complexity and unlock new opportunities for individuals and businesses alike.
World class team
Founder and Director
Hetty Samosir, MFin
Hetty Samosir founded PensioTec in 2025 to empower people with next-generation M&A SMEs solutions and financial literacy tools.
Previously, a member corporate finance at AmerisourceBergen (now Cencora) in Switzerland, a company with over $150 billion in revenue, where she supported multi-billion-dollar P&Ls and large-scale transactions worth hundreds of millions of dollars. Later, a Mergers & Acquisitions (M&A) Consultant of the Financial Advisory at Deloitte Switzerland, she realized that to truly deliver smarter M&A buy-and-sell and financial literacy solutions, she would need to build it through a startup. Hetty holds a Master of Finance from the University of Cambridge, a B.Sc. in Banking and Finance from Bern University of Applied Sciences in Switzerland, and a Bachelor’s Degree in Physics from the University of Lampung in Sumatra, Indonesia, where she also participated in U.S. exchange programs. Her thesis research on artificial intelligence, partnered with leading AI experts. Hetty is an avid reader, hiker, university-championship level polo player, a keen painter and skilled in interior design. She has held multiple leadership roles, including serving as Curator and Vice Curator of the WEF Global Shapers Hub in Bern, Switzerland.
Co-Founder and CTO
Patrick Gono, PhD
Patrick Gono earned his PhD in Physics from EPFL, Switzerland: first-principles quantum simulations, following his MSc and BSc in Physics from Masaryk University.
Previously, he worked as a Software Engineer at AoT, a $40M-funded robotics venture, and as a squad leader for nano technology company, including Nanosurf, with $30M+ in revenue.
Patrick’s technical expertise spans C++, Python, and game development, complemented by strong project management and cross-border engineering leadership.
Beyond technology and science, Patrick is an avid reader, a skilled chef and pâtissier, a keen painter, and formerly served as President of the PhD Physics Student Association at EPFL. He was also a judge in the International Physicists’ Tournament and the Young Physicists’ Tournament.
Head of AI
Joel Hutchinson, PhD
PhD and B.Sc. (Honours) in Physics from the University of Alberta, Canada, and an M.Sc. in Physics from the University of British Columbia, Canada. Postdoctoral researcher in Quantum Technologies with over 10 years of experience in applied AI, teaching, and research. He is currently a Postdoctoral Researcher at the University of Basel and previously at École Polytechnique, France. Skilled in coding, AI, edtech product design, quantum technologies, and public speaking (TED speaker). Joel is also highly experienced in teaching complex physics topics and making them understandable to diverse audiences. He is the author of multiple academic publications in leading physics and quantum technology journals. Outside science, Joel is an expert bike tourer.
Head of Product and Growth
Nita Wakan
Nita Wakan is reading for a Master of Finance degree from the University of Cambridge, with a focus on sustainable finance. She is a Certified Financial Planner (CFP) and holds the Associate Wealth Planner (AWP) Shariah certification and the Islamic Finance Qualification (IFQ) from the Chartered Institute for Securities & Investment (CISI), UK. She brings over six years of experience as a management consultant, having worked as a Manager at EY-Parthenon on Mergers & Acquisitions (M&A), innovation, and growth strategy projects, and as Team Lead at Accenture Strategy & Consulting, delivering large-scale digital finance initiatives. Nita is also the Founder of Youth Finance Indonesia, an NGO established in 2013 that promotes financial literacy among Indonesian youth and children, and has received an award from the United Nations. Outside of work, she enjoys sketching, creating art, and reading with her daughter.
Soon joining PensioTec, Oxford MBA intern
Shazwan Syahrunizam
Shawzan recently completed his MBA at Saïd Business School, University of Oxford, and an internship at Amazon UK. He brings expertise in banking and fintech.
How We Met
Hetty, Patrick, and Joel became close friends outside of work, joining pub quizzes (on science, pop culture and general knowledge), cooking, regular painting, and even debating episodes of Succession (which, admittedly, none of us really fancied). Nita and Hetty first met as roommates during the McKinsey Young Leaders of Indonesia program (2014) and later both completed the University of Cambridge Master of Finance in different cohorts.
We met Shazwan during the Oxford MBA tour to Swiss banks and family offices in Zurich, where a shared curiosity for finance and innovation quickly turned into friendship.
United by purpose and passion, we’re reimagining the future of finance. A team of curious outliers who believe that meaningful change starts when you question the way things have always been done.
Watch Our WHY
Our vision has been validated on stage: we were awarded the Winner of Startup Pitch at the University of Cambridge’s IGNITE program, judged by a panel that included a Partner from Amadeus Capital, one of Europe’s most respected venture firms.
Google UK & Ireland recently selected PensioTec as one of the Top 20 semifinalists in their Next Unicorn program, in collaboration with Proximo Ventures.
We have learned directly from world-class and unicorn founders through in-person workshops and sessions.
Our Story
It started with a simple but urgent question, “why do most working adults not contribute to a pension, and why do emerging markets lack the digital infrastructure to invest across asset classes as easily as in Switzerland?”
When I looked deeper, I discovered an even bigger issue: the global financial literacy gap.
At the same time, I witnessed a generational shift. The incoming generation doesn’t refuse to work, they refuse to wait for outdated systems. They want meaningful impact, financial autonomy, and tools that speak their digital language.
At the same time, I noticed a major succession planning gap among SMEs, where the majority of business owners lack clear succession plans. While younger professionals were seeking autonomy, digital fluency, and meaningful participation rather than simply stepping into legacy roles. Globally, over half of all workers operate outside formal employment systems
In 2018, while studying Banking and Finance in Bern, Switzerland, I joined a Fortune 500 company that enabled me to start investing in a third-pillar pension, diversifying across assets and regions. Later, during my Master of Finance at the University of Cambridge, I tried to find personal finance tools for my younger siblings in Indonesia, but found none. Most finance content was unstructured, speculative, and dull.
That realization became the foundation of PensioTec, to make financial learning, investing, and succession, planning accessible, engaging, and intelligent.
So I began forming a strong team with deep technical and domain skills, shared curiosity, and rigorous capability to bring this vision to life.
— Hetty Samosir
Our Founder joined global innovators at the World Economic Forum Annual Meeting in Davos, watch the session here
PensioTec’s mission
supports several key SDGs:
Expanding financial literacy & secured solutions to reduce poverty risks.
Delivering lifelong financial learning tools.
Promoting financial security to support mental and social well-being.
Building digital financial infrastructure.
Expanding financial access for underserved groups.
Designing inclusive solutions that empower women.
Supporting SME business succession and entrepreneurship.
Collaborating with institutions to drive systemic change.
Our Values
Create ripple effects
Even the smallest step, saving a little, learning a new skill, investing for the future, can create ripple effects that transform lives and communities.
Empower others
We grow stronger together. By connecting learners, coaches, and communities, think globally act locally.
Create lasting impact
We make financial wellness accessible to all through responsible, sustainable practices that protect our precious planet and generations to come.
