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Experian and Fincentive Join Forces to Deliver Pension Data Intelligence Platform
Global data and technology company Experian today announces a strategic partnership with Fincentive, a pensions data platform that enables providers to meet regulatory obligations they currently struggle to fulfil.
The Pensions Regulator’s November 2025 Market Oversight Report revealed that one in four schemes still have non-digitised records and fewer than 60% are confident in their data accuracy.
In addition, Consumer Duty, requires providers to evidence member outcomes, not simply prove communications were sent. Yet with 49% of UK adults showing characteristics of vulnerability, most providers have limited visibility into which members need support, and no systematic way to demonstrate they are fulfilling their obligations.
Fincentive addresses this issue by using the power of data and technology by digitalising the pension payslip and transforming it into a data-driven engagement channel. The UK’s 10 million pension recipients typically receive just one annual statement, but the platform enables providers to offer up to 12 monthly digital updates, delivering engagement insights, identifying vulnerability risks, and ensuring regulatory compliance.
The platform also prompts eligibility checks for unclaimed support. More than 761,000 pensioner households are currently missing out on Pension Credit alone, worth an average £2,100 per year. Where members successfully claim, providers gain measurable evidence of positive outcomes delivered through their customer communications.
The partnership combines Experian’s data enrichment capabilities and established PayDashboard infrastructure with Fincentive’s pension-specific intelligence layer, delivering enterprise-grade data services within a framework designed to meet trustee governance requirements.
David Bates, Managing Director Credit and Verification Services, Experian UK&I, said: “Pension providers face a genuine challenge: Consumer Duty requires them to evidence member outcomes, not just prove they sent a letter. Our partnership with Fincentive gives them that capability.
“By combining our data infrastructure with Fincentive’s pension intelligence, we’re helping schemes turn an underutilised communication channel into real insight and evidence, transforming outcomes for both providers and their members.”
John Buttress, CEO and founder of Fincentive, said: “The pension payslip is the one piece of communication members consistently trust and engage with — yet it’s been treated as an administrative afterthought for decades.
“Providers are now being asked to demonstrate outcomes and identify vulnerability, but their current tools only tell them what was sent, not whether it made any difference. We’re turning that routine touchpoint into genuine infrastructure – a monthly channel that generates the engagement data and compliance evidence schemes need, while creating real value for members.”
Pension providers face intensifying regulatory focus on data quality and member outcomes. All schemes must connect to Pension Dashboards by October 2026, and The Pensions Regulator has signalled that the accuracy of members’ pension calculations — ‘value data’ — will be a priority area throughout 2026.
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