The visit will examine the Central Provident Fund Board not only as the administrator of individual schemes, but as an integrated social security operating organisation. The discussion will focus on how policy implementation, contribution collection, account administration, customer service, digital development, data management, cybersecurity and risk management are brought together around end-to-end member journeys.

For the German delegation, a central question will be how CPFB assigns responsibility for complete processes rather than individual organisational steps. This includes the mechanisms used to coordinate business units, prioritise technology investment, simplify rules and workflows, and resolve dependencies between policy, operations and IT.

The delegation will also explore how CPFB modernises established technology while continuing to operate services at scale. Relevant topics include the reduction of legacy-system complexity, migration and transition strategies, service continuity, fraud prevention, cybersecurity and the retention of organisational knowledge.

A further focus will be the relationship between digital efficiency and personal support. The visit should illustrate how routine transactions can be handled through secure digital services while more complex cases are directed to qualified staff and appropriate assisted channels.

The purpose is not to transfer Singapore’s financing model to Germany. The objective is to identify operating principles that could help German social security institutions reduce parallel structures, improve service quality and manage large-scale transformation more effectively.