Good governance on Fund financing requires a set of regular checks including proof of life.

In this context and in anticipation of a national and computerized civil register allowing death investigations, the Pension Fund of Morocco (Caisse marocaine des retraites (CMR)) has adopted an innovative practice based on pension provision control in the beneficiary's bank branch. Thus, targeted pensioners simply go to their usual bank branch to get their pensions by e-mandate. This release is therefore treated as a proof of life.

This innovative practice allows us to combine the dual purpose of promoting banking services to our customers and simplifying our control procedures. The banking rate currently exceeds 90% thanks to the partnership agreements concluded with the banks covering this simplification.

Associated with a thoughtful targeting strategy, this approach has allowed us to better control financial risks linked to the payment of benefits after the beneficiary's death while reducing the overall control cost.