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HEERLEN, July 2015 – Through the CogNIAM Finance joint venture, PNA is helping the Focafet Foundation to set up a uniform protocol for world economic transactions: the Uniform Economic Transaction Protocol (UETP). This is being developed in co-creation with several parties, including governments, multinationals and newconomy thinkers.

Millions of cross-border transactions take place every day and that number is only increasing. Every country has its own transaction language, with all of its associated communication problems. Barcodes, and bank-, identity- and reference numbers are aids to allowing these different languages to communicate with each other. But these remain separate data flows and that is very inefficient. With the development of UETP, the Focafet Foundation is combining transactions through a sort of secure ‘group chat’. In this way, all parties involved in the transaction automatically get the data relevant to them. All sorts of transactions are linked to each other through the entire chain.

“You could regard UETP as a common language for economic transactions throughout the world,” says Floris Kleemans, the founder of the FocafetFoundation. “Our biggest challenge in this project is communication and a clear, uniform transfer of knowledge. CogNIAM Finance is better equipped than any to create a clear language with concepts that are understandable for all users. They understand very well that it’s all about knowledge and not about format. CogNIAM Finance doesn’t ask, ‘How should information be delivered?’ but ‘What should that information be?’ We’ve only been operating for a year but UETP is known already. And that’s everything to do with the fact that people identify with how CogNIAM Finance describes the transactions.”

The first test version of UETP was launched in March 2015. Ideas from the community were accessed through a co-creation platform. These ideas lead to practical input for the protocol and for implementation. “CogNIAM Finance structures and assesses the ideas from the community and the knowledge from existing standards,” says Johan Saton, project leader at CogNIAM Finance. “We do this on the basis of the cogNIAM® classification principle. We create all output documentation for the protocol with the UETP team, in which our direct link with the OMG and ISO comes in very useful. Here we have to cope with more than just 50 ISO and other world standards; without clear knowledge modeling, that couldn’t be structured.”

The community is growing. There are already many small and large organizations in various sectors involved such as ABN AMRO, Hewlett Packard, PwC, Geodan, GS1, TNO, Atradius and a number of Dutch ministries. The first working protocol will be ready in the autumn of 2015.

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AMSTERDAM, December 2014 – On Thursday 20 November 2014, Merel van Vroonhoven, chair of AFM, awarded the Gouden Veer to ABN AMRO Insurance. This year, the jury of the annual writing competition was looking for the best financial communication text. The ABN AMRO private Liability Insurance conditions were voted first out of the 85 submissions and 5 finalists.

“For the conditions of the Liability Insurance, Pieter Eikelboom and his team pulled out all the stops to tell the customer as clearly as possible what the insurance policy does and does not cover, what procedures apply to it, and what possibilities and results may occur,” explained the chair of the jury. With this, ABN AMRO insurance took a major step towards formulating complicated insurance conditions full of legal jargon in such a way as to enable the customer to understand the contents before signing them.

PNA was able to contribute to this process through the cogNIAM Finance joint venture. It was partly responsible for the protocol-based unraveling of difficult conditions to reveal their core structure. The insight that arose from this helped the team to write understandable, consistent conditions in a readable structure. We are proud to have been a part of this major step towards simplifying financial products.

For the complete jury report Van klinkende munt naar klinkklare taal click here.


HEERLEN, September 2014 – Every region with progressive companies needs highly-qualified (beta) knowledge workers, and the Euregio is no exception. This calls for an attractive, innovative range of educational facilities. Introducing students to regional companies during their training makes them more inclined to remain in the Euregio after graduating. PNA endorses this vision and offers work placement to student’s on the Knowledge Engineering bachelor’s degree course at Maastricht University.

Op 17 September 2014, the first students in the new KnowledgeEngineering @Work project started their work placement at PNA. These were second-year students Tomas Cremers and Hidde van Scherpenseel. “For PNA this is an excellent opportunity to get into contact with interesting students. We can make good use of talented people like these in the innovative services and products that we develop and sell at PNA, and the challenging projects in which we take part,” says Sjir Nijssen, PNA’s CTO.

With the KnowledgeEngineering @Work project, Maastricht University wants to attract highly-qualified, talented young people to the Euregio. The bachelor’s course in Knowledge Engineering is a 3-year course with modules and projects in the fields of informatics, mathematics and artificial intelligence. During their course, the students work half-time at the participating companies. “At our partner institution in Germany – the RWTH in Aachen – there is already a course in which working and academic training go hand in hand,” explains Dr Frank Thuijsman, university professor and initiator. “This course has been such a success that they can’t meet the demand for working students. Following on from Aachen, Maastricht is now going to start up a similar program. Actually, we are working closely on this with the RWTH.”

PNA is an expert in the field of knowledge management. Through its cogNIAM® method, it helps organizations cope with knowledge-intensive challenges, laying the foundations for sustainable use of knowledge. The profile of Maastricht University’s KnowledgeEngineering @Work students is an excellent fit in this respect. PNA is active in various triple-helix partnerships, such as the Smart Services Hub. In fact contact with Maastricht University grew out of this. PNA is the first company in which KnowledgeEngineering @Work students have started work.


HEERLEN, February 2014 - PNA has been granted a European tender by the Dutch Tax and Customs administration (Belastingdienst). This is the tender for ‘Annotation-Application Service(s) for agile law implementation’.

The Belastingdienst is responsible for the implementation and enforcement of regulations and legislation. To automate this, there is an intensive program under way at the moment in which a lot of information has to be gathered, processed and managed manually. Following an analysis and research, the Belastingdienst has drawn up a vision that establishes how this process can be improved and supported automatically.

Out of many offers, the Belastingdienst has chosen a solution developed by PNA on the basis of its Cognitatie product. “This solution meets the wishes of the Belastingdienst to closely monitor the process from policy to implementation for complex regulations and legislation,” says Maurice Nijssen, PNA’s CEO. “In spite of the knowledge available, it was an enormous task for employees of the Belastingdienst to arrive at a clear assessment of various regulations.”

Thanks to PNA’s solution, this will be considerably simplified. An essential part of annotating – or establishing the significance of regulations and legislation – is that this can be implemented in a structured, clear and understandable way with the aid of Cognitatie.


HEERLEN, August 2013 - The Object Management Group (OMG) is the biggest and best-known non-profit organization in the field of establishing and further developing various knowledge and ICT world standards. The OMG was founded in 1989 and has more than 300 members, including a wide range of leading companies such as IBM, Oracle, SAP, Boeing, Daimler, PricewaterhouseCoopers, Citigroup and AT&T.

Since 2008, PNA has been applying its specific cogNIAM® expertise to establishing and developing the world standards BPMN 2.0 and SBVR.

On 1 July 2013, this partnership led the OMG to appoint PNA’s Maurice Nijssen, Serge Gouders and Bas van de Laar ‘OMG Representatives’ for Europe. Maurice Nijssen, PNA’s CEO, will personally commit to putting the OMG more firmly on the map in Europe. “We think it’s a great honor that the OMG has asked us to champion their interests in Europe. The OMG network is perfect for getting in touch with international experts and discussing practical and sector-related developments.”


The OMG standardization process is fast, transparent and effective. Every organization, large or small, can join. Members help actively in the establishment of future standards and have a say in deciding the content of these standards. Every member, irrespective of the size of the organization, is entitled to vote and can therefore make a real difference. The OMG has various forms of membership ranging from ‘domain member’ (for the financial, medical or technology sectors, for example) to ‘platform member’ (focused on technical or data standards, for instance).

Read more about our partnership with the OMG.


Amsterdam, December 2011 – PNA and ABN AMRO Incubator Holding have set up a joint venture to develop innovative, sustainable knowledge solutions for the financial world. The joint venture goes under the name of CogNIAM Finance BV and helps financial institutions to generate more returns on their available knowledge capital.

CogNIAM Finance helps organizations to implement first-time-right (knowledge-intensive) projects and lays foundations for efficient, understandable working with knowledge capital in the organization. In projects where the diversity and complexity of systems are standard and/or where there are changed business objectives or regulations & legislation and complex processes, cogNIAM Finance makes business and IT speak the same language. Moreover, CogNIAM Finance makes the organization more efficient and agile by identifying knowledge objectively, defining it and making it productive.

CogNIAM Finance is the first organization in the Netherlands to market vendor- and system-independent solutions, which certainly makes it a pioneer in the field of knowledge modeling.

Read more about CogNIAM Finance.