May 2026
29May

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...

May 29, 2026
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29May

Jamie Fiveash appointed as Pensions UK chair

Pensions UK has appointed Smart UK chief executive, Jamie Fiveash, as the new chair of the association. Fiveash will start a three-year term on 1 July 2026. He succeeds Emma Douglas, who is stepping down to take up her new position as chair of The Pensions Regulator. Fiveash has over 30 years of experience across financial services and over 15 years of c-suite and board-level leadership. As chief executive of Smart UK, Fiveash leads the £9.5bn Smart Pension master trust with two...

May 29, 2026
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22May

Pension Policy Preferences: Beliefs about Others

By Carmen Sainz Villalba This paper studies the relationship between preference for government regulation on pensions both for the respondent and for the population as a whole. We conduct a survey experiment where we provide information on own characteristics and on characteristics about individuals in other income brackets to assess the impact on the preferences for themselves and others. We find that respondents who overestimate the pension coverage for low income earners are more likely to want less regulation for...

May 22, 2026
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22May

UK Pensions | The Mansion House agenda: a legislative turning point

When we last examined the Mansion House agenda in January (see here), we noted the tension between voluntary commitments to UK and alternative asset investments and the trade-offs inevitably involved when changing investment strategy. In the background there loomed the prospect of a sweeping reserve power in the Pension Schemes Bill, by which the Government could mandate investments in certain assets (commonly referred to as the “mandation” power). Things have now moved on. The Bill is now the Pension Schemes Act...

May 22, 2026
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21May

Bulgaria. Regulator Proposes Higher Pension Fund Reserves, Stronger Safeguards for Insured Persons

Bulgaria's Financial Supervision Commission (FSC) has approved at first reading draft ordinances on higher reserve requirements for pension insurance companies and stricter rules for protecting insured persons' funds, the regulator said on Tuesday. The changes follow up on amendments to the Social Insurance Code and concern the introduction of multi-funds in supplementary pension insurance. Higher reserves to guarantee contributions The most significant change concerns higher capital coverage requirements due to the continued growth of assets managed by pension funds. Currently, the gross...

May 21, 2026
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18May

UK. Government-backed Pensions Commission calls for action on gender savings gap

A shake-up of pensions in Britain must involve measures to close the gap in retirement savings between men and women, the revived Pensions Commission is to tell ministers. According to the government-backed body, women approaching retirement have on average half the private pension savings of men, with a median pension wealth of £81,000 versus £156,000. The commission, which is expected to publish its interim report on the long-term future of the retirement system this week, said it would look at how the government...

May 18, 2026
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18May

Jamaica. Pension regulator says micro-pension plan unworkable for informal sector

The Financial Services Commission (FSC) has ruled out a state-administered micro-pension scheme for the more than one million workers currently without retirement coverage. A micro-pension is a retirement savings product designed for low-income and informally employed workers, allowing sporadic or irregular contributions as low as $400. "It was determined that a micro-pensions product would not be feasible for Jamaica," an FSC consultation paper stated. "However, it was stressed that the  Approved Retirement Schemes (ARS) framework could be strengthened for greater accessibility...

May 18, 2026
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15May

US. Mamdani’s counting on pension restructuring to balance the budget. Will the unions let that happen?

Mayor Zohran Mamdani wants to delay certain payments to the city’s pension funds to help close the city’s multibillion dollar funding deficit. The only problem is that he needs municipal labor unions’ approval to change up their retirement accounts, and some unions are mum about the plan while others outright oppose it. While it’s still early, the unions’ apprehension to immediately get on board speaks to the plan’s politically sensitive nature. The pension restructuring proposal is one of the lifelines...

May 15, 2026
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11May

UK government unit targets £99bn of investment from Australian pension funds

A plan to target £99bn of overseas pension investment into key UK projects by 2035 has been announced only weeks after the government struggled to pass its pensions schemes bill. A new “Supers Unit”, led by the Office for Investment, aims to boost collaboration and streamline investment from Australian pension funds into growth sectors, including infrastructure, real estate and private markets. This follows a memorandum of understanding signed at last month’s IMF meetings between UK chancellor Rachel Reeves and Australian treasurer...

May 11, 2026
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07May

UK. TPR outlines vision for megafunds and simplified pensions market by 2036

The Pensions Regulator (TPR) chief executive, Nausicaa Delfas, has said the UK workplace pensions market could look “very different” by 2036, with a smaller number of large pension megafunds, greater consolidation and more scheme-led retirement solutions becoming the norm. Speaking at the Eversheds Sutherland UK Pensions Conference, Delfas said the pensions market was currently undergoing “the biggest changes in pensions since the introduction of auto-enrolment”. Setting out her vision for the future of the UK pensions system, Delfas said she expected to...

May 7, 2026
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