Part Three explores 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 2026 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.
The role of technology and AI in retirement decision making
Technology can help people find pensions, understand finances, access support and make more informed retirement decisions.
Taking a closer look at AI
Find out how AI could help explain pensions, improve financial guidance and support retirement planning, while addressing concerns around trust...
Technology can make pensions and investing easier to understand
AI can improve financial understanding and engagement, but robust safeguards are needed for higher-stakes retirement decisions.
