Technology and AI are set to play an increasingly important role in helping people engage with their pensions and make retirement decisions. The latest findings from the Scottish Widows Retirement Report explore how innovations such as pension dashboards, open finance, gamified learning and AI-powered support could make retirement planning more accessible and intuitive.

While awareness of AI is widespread, trust remains a significant barrier, particularly for higher-stakes financial decisions. The research highlights both the opportunities and challenges ahead, showing how technology could help close the advice gap, improve engagement and widen access to support, provided it is implemented with appropriate safeguards, transparency and consumer protections.