European Insurance and Occupational Pensions Authority reports on pension awareness Techsprint and three AI-driven tools for underserved groups

The European Insurance and Occupational Pensions Authority (EIOPA) published a summary report on its pilot Techsprint on pension awareness, setting out insights from a multi-day collaborative event that produced three digital proofs-of-concept to help address pension gaps for groups underserved by traditional pension arrangements. The three models target women, members of Generation Z, and self-employed and gig workers, using AI-driven and highly personalised apps to encourage sustained saving habits and improve retirement outcomes. “Future Me” is a pension co-pilot for women with tips, reminders, scenario-based simulations and peer insights; “FIRE” is an AI-powered companion for Gen Z combining clear guidance, gamified learning and social validation features in familiar social media formats; and “GIG” is a save-as-you-earn approach that automatically allocates a portion of each income receipt to a pension account and an emergency fund, with flexible default settings and a customisable plan. EIOPA highlighted that the cross-stakeholder format provided supervisors and regulators with visibility into how digital innovation and behavioural insights could improve consumer engagement, while underscoring that one-size-fits-all approaches are often inadequate and that tailored tools are more likely to reflect different groups’ realities.