EIOPA pensions techsprint 2025 : post-event report. Reflections and findings

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      <subfield code="a">Techsprint approach and methodology -- Objetive of the pensions techsprint -- Methodology: developing consumer profiles -- Regulatory framework -- Behavioural and digital insights -- Consumer profiles and pensions journeys -- Consumer profile 1: women -- Consumer profile 2: young starter (Gen Z) -- Consumer profile 3: self-employed & gig workers -- Pensions techsprint insights -- Future Me  a smart co-pilot for women -- FIRE  financially independent retire early -- GIG  great income generator -- Main insights -- Lessons learned -- Conclusions -- Annex A: pension journeys -- Annex B: team composition and techsprint structure -- Participants and team composition -- Structure of the techsprint</subfield>
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      <subfield code="a">The document presents insights from a three-day collaborative innovation sprint aimed at addressing pension gaps through digital and behavioral solutions. The event focused on three vulnerable consumer profiles women, Generation Z, and self-employed/gig workers developing prototypes to enhance engagement, transparency, and adequacy in personal pensions. Key solutions included Future Me, an AI-driven co-pilot for women; FIRE, a gamified mobile app for Gen Z; and GIG, an automated save-as-you-earn system for gig workers. The report highlights behavioral barriers such as present bias and low financial literacy, and emphasizes the role of digital tools, nudges, and gamification in fostering long-term savings habits. It also explores regulatory considerations, lessons learned on cross-EU collaboration, and the need for tailored, consumer-centric approaches to ensure pension adequacy in an evolving labor and demographic landscape</subfield>
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