Data giant Experian and pensions data platform Fincentive have joined together in a strategic partnership to transform the pension payslip and help providers meet regulatory obligations.

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.