Fincentive Ltd Information

Fincentive turns the pension payslip into a connected digital channel. Every month, 11 million UK pension payments arrive in members' bank accounts. Silently. The pension payslip is one of the most trusted documents a scheme member receives. But it arrives once a year, by post or in a portal, detached from the payments it describes. It confirms numbers the member already knows. In exclusive UK pensions partnership with Experian, we deliver a scheme-branded digital payslip at the moment of payment. Twelve communications a year in place of one. The scheme decides what the channel carries: prompts about unclaimed benefits such as Pension Credit, signposting for members who may need help, and a record of member engagement that supports Consumer Duty reporting. Member data stays within Experian's regulated infrastructure. Fincentive does not process or store individual member data. The channel connects to existing payroll and administration arrangements without migration. We work with third-party administrators, LGPS funds, defined benefit schemes, trustees and annuity providers. Consumer Duty asks for evidence of outcomes, not effort. The Pensions Regulator is repositioning administration as a driver of outcomes. The pension payslip is the most logical place to start. If you work in or around pensions, we would like to talk.