APG is the biggest Pension service provider in the Netherlands and one of the biggest in the world. In our innovation lab “GroeiFabriek” we conduct experiments on new business models, new technologies (AI, Blockchain, etc), building technical prototypes, etc. The main goal is to continuously reinvent ourselves and stay ahead of the curve. APG is one of the founding fathers of the Brightlands smart services Campus in Heerlen, where corporates, startups and knowledge institutes work together in an open innovation ecosystem. Within this Campus also the Tchruption community is launched as the hotspot in the Netherlands for AI, Blockchain and smart Climate change solutions.