Financial services policy administration has become much more affordable and capable thanks to the Imagination Technology Citadel.The Citadel is cloud-based, has full customer online self-service and can support new value chains, such as risk carriers and super brokers. It can host any life, pensions and investment product - new or old - and achieve efficiency ratios of 20,000 policies per administration clerk (the UK average is only 4,500).The Citadel also supports Multiplex Accounts under which almost any financial services benefit can be managed.