London, January 27th, 2026: 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.
ENDS
Key Statistics:
• 1 in 4 pension schemes have non-digitised records (TPR Market Oversight Report, November 2025)
• Fewer than 60% of schemes confident in data accuracy (TPR Market Oversight Report, November 2025)
• 49% of UK adults (26.4 million) show vulnerability characteristics (FCA Financial Lives Survey 2024) - defined as poor health, negative life events, low financial resilience, low capability in dealing in understanding financial matters.
• 761,000 households missing out on Pension Credit, worth a average £2,100 per year (Policy in Practice)
To find out more about Experian Pay Dashboard visit: https://www.experian.co.uk/business-products/paydashboard/
To find out more about Fincentive visit: www.fincentive.co.uk
Media contact:
Vicki Cook, Head of Corporate and B2B PR, Experian UK&I
Tel: +44 7977 798 173 / Email: vicki.cook@experian.com
About Experian
Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realise their financial goals and help them to save time and money.
We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.
We invest in talented people and new advanced technologies to unlock the power of data and to innovate. A FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,200 people across 33 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.
About Fincentive
Fincentive is a UK pensions data platform that transforms pension payslips into intelligent engagement channels. Working in exclusive UK partnership with Experian, Fincentive enables pension providers to generate Consumer Duty compliance evidence, identify member vulnerability at scale, and deliver measurable member outcomes.
The company's initial focus is defined benefit schemes, LGPS, and annuity providers, with the platform designed to extend into the defined contribution market as regulatory requirements evolve. Fincentive was founded by John Buttress, formerly Chief Marketing Officer at a major UK pension consultancy, who brings over 30 years' experience in financial services.
The company's advisory board and investor base includes senior figures from across pension consultancy, trusteeship, and fintech.