Experian has announced a strategic partnership with pensions data platform Fincentive to support providers in meeting their regulatory obligations.

The partnership will aim to ‘transform’ pension payslips into data-driven engagement channels to enable providers to evidence Consumer Duty outcomes and identify vulnerable members at scale.

The firms highlighted The Pensions Regulator’s November 2025 Market Oversight Report, which found that a quarter of schemes still had non-digitised records, while fewer than 60 per cent were confident in their data accuracy.

Furthermore, under Consumer Duty, providers are required to evidence member outcomes, not just prove that communications were sent, and many providers had limited visibility of which members to support and no systematic way to demonstrate they were fulfilling their obligations.

To help address this issue, Fincentive uses data and technology to digitise the pension payslip and shift it into a data-driven engagement channel.

The platform allows providers to offer up to 12 monthly digital updates to help deliver engagement insights, identify vulnerability risks, and ensure regulatory compliance.

It also prompts eligibility checks for unclaimed support, enabling providers to gain measurable evidence of positive outcomes through their communications.

The partnership aims to combine Experian’s data enrichment capabilities and PayDashboard infrastructure with Fincentive’s pension-specific intelligence layer to provide data services within a framework aimed at meeting trustees’ governance requirements.

“Pension providers face a genuine challenge: Consumer Duty requires them to evidence member outcomes, not just prove they sent a letter,” commented Experian UK&I managing director credit and verification services, David Bates.

“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.”

Fincentive founder and CEO, John Buttress, added: "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.”

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