June 2026

Nigeria. Unremitted pensions: The silent threat to workers’ retirement security

For millions of Nigerian workers enrolled under the Contributory Pension Scheme (CPS), monthly pension deductions are expected to provide financial security after retirement. However, a growing challenge within the system is threatening that promise: The persistent failure of some employers to remit pension contributions deducted from employees’ salaries. Despite nearly two decades of pension reform and significant growth in pension assets, non-remittance of pension contributions remains one of the biggest compliance concerns facing Nigeria’s pension industry. The practice cuts across...

May 2026

Zero-Trust Architecture for Multi-Tenant SaaS Platforms on AWS:A Practitioner Framework for Authentication, Authorisation, and KYC in Regulated Financial Services

By Alan Terriaga Multi-tenant Software-as-a-Service (SaaS) platforms operating in regulated financial services face a unique intersection of security, compliance, and operational challenges that traditional perimeter-based architectures cannot adequately address. This paper presents a practitioner framework for implementing Zero-Trust Architecture (ZTA) across all layers of an AWS-hosted SaaS application, with particular focus on the authentication, authorisation, and Know Your Customer (KYC) verification pipelines that underpin financial compliance obligations. Drawing on direct engineering delivery experience leading IAM systems in regulated multi-tenant environments, we...

Korea pension giant NPS bolsters operating system to manage risk amid market volatility

Korea’s National Pension Service (NPS) is strengthening its operating system to better manage portfolio risk amid uncertainty in global markets, according to Won Joo Seo, executive fund director and chief investment officer of the pension giant. He said that even though the pension fund achieved a “good” record  18.82% investment return last year, it remains vigilant over rising volatility in Korean and international markets. “Global market uncertainty and transformation are becoming more complex and structural. Competition among countries in security, industrial policy...

Pension Fund Investment and Firm Innovation

By Cédric Schneider, Dario Pozzoli & David Pinkus We use a unique database on domestic pension fund investment to analyze the relationship between pension fund investment and innovation within Danish firms. We find a significant positive association between pension fund investment and various measures of innovation, including green technologies for climate change mitigation and adaptation. However, this relationship is much weaker in highly competitive industries,suggesting that pension funds encourage innovation by monitoring and holding managers accountable. Our analysis also shows...

October 2025

US. After 4 Weeks, How the Government Shutdown Is Affecting Retirement Plans

On Tuesday, Day 28 of the government shutdown, federal agencies and departments were unable to make important updates that, if delayed much longer, could affect retirement plans and their participants. The Internal Revenue Service, for example, operated as normal in the early days of the shutdown, but eventually needed to furlough employees and to further reduce operations as the government closure dragged on. As it stands now, the agency is unable to publish critical information that normally would be released in fall....

Kenya’s pension paradox: Growth amid low coverage

The third edition of the East African Pensions Conference and Expo opened in Nairobi on Thursday with a call to widen Kenyan’s pension coverage and curb old age poverty. Hosted by the Nation Media Group (NMG), the annual event has become the region’s platform for policy shifts to increase the number of East Africans saving for a pension and boost the value of payouts at retirement. Official data show more than 80 percent of senior citizens work for basic items, raising...

Over 7,000 Mozambicans working in South Africa will start receiving pensions, social security benefits in Mozambique

The Mozambican Minister of Labour, Ivete Alane, has announced that as of next year over 7,000 Mozambican nationals working in South Africa will start receiving their pensions in the country. According to Alane, who was speaking on Tuesday at the opening ceremony of the National Meeting on Migrant Labour, which is taking place in Macaneta, Marracuene district, southern province of Maputo, the workers will receive their social security benefits in the country, without worrying about resorting to South Africa. “The social...

June 2025

UK. Why the real problems of the pensions dashboard are yet to start

The pensions dashboard project's aspirations made sense a decade ago, but industry changes mean the government should focus its efforts on other aspects of pensions, writes James Floyd The ambition of the government's much-vaunted pensions dashboard has nearly been realised, but after a decade in the making, the real problems are likely still to come.  It was back in 2014 when the Financial Conduct Authority vocalised its notion of enabling consumers to see all their pension savings in one place.  With the Retail Distribution...

UK. Private sector providers essential to dashboards success, says ABI

Private sector dashboards must be facilitated “without delay”, according to the Association of British Insurers (ABI), to ensure savers can benefit from additional visibility and accessibility of their retirement savings. In a new report, the trade body has urged the government to support the launch of dashboards from private sector providers, including insurers. This would help reach more consumers and provide additional services beyond the current “view only” approach, it said. The government-backed MoneyHelper dashboard – run by the Money and Pensions...

May 2025

US. Bill Would Lower Retirement Plan Eligibility Age to 18

Senators Bill Cassidy (R-LA.) and Tim Kaine (D-VA.) have re-introduced the Helping Young Americans Save for Retirement Act. The bill was previously introduced last Congress in November 2023. Much like last time, the bill would reduce the participation age in ERISA-governed plans, currently set at 21 years old, to 18 years old. The purpose of the bill is to expand retirement savings to younger workers. ERISA plans would still be permitted to set a minimum age that is younger than 18. Employees...