GenAI is revolutionising your occupational pension scheme

GenAI, LLMs and AI agents automate occupational pension processes and communication

GenAI in occupational pension schemes: from a pressing need to an opportunity

Occupational pension schemes are complex: processes, data and regulation must meet employees’ high expectations for digital, clear communication. At the same time, skills shortages, growing portfolios and legacy IT landscapes are placing a strain on day-to-day operations on the provider side.

This is precisely where GenAI comes in. The technology can support your specialist departments, automate knowledge-intensive tasks and enable personalised interactions at scale – without replacing your existing occupational pension landscape.

GenAI operates at four key levels within occupational pension schemes:

  • Processes: Automation of routine and knowledge-based tasks in portfolio, benefit and service processes
  • Data: Use of harmonised data models, data lakehouse architectures and vector stores as the basis for AI applications
  • Communication: Hyper-personalised, cross-channel occupational pension communication – from letters to portals
  • Regulation & Governance: Systematic analysis of case law and supervisory announcements using Retrieval Augmented Generation (RAG) and clear AI governance

A practical example:

An occupational pension provider relies on a GenAI-based specialist copilot that is connected to document management and specialist systems via REST APIs. The co-pilot answers standard queries itself, whilst preparing complex queries – such as those regarding pension schemes and special cases – for the experts, transparently citing its sources. Ultimately, the decision is still made by a human – significantly faster and more consistently than before.

How adesso supports you with GenAI in occupational pensions

With our “GenAI in occupational pensions” portfolio, we make artificial intelligence productively usable – for more efficient processes, better decisions and compelling occupational pension experiences. We combine occupational pension expertise and technological know-how with our experience from client projects.

Our services at a glance:

  • Strategy & Architecture
    GenAI vision, enterprise architectures, cloud-native platforms, API-first approach
  • Business Design & UX
    Definition and prioritisation of use cases, customer journeys and employee journeys, communication concepts
  • Implementation
    Development of LLM-based services, RAG solutions, AI agents and microservices
  • Integration
    Connection to legacy, HR and partner systems, portals and communication platforms
  • Operations & MLOps
    Secure operations, MLOps pipelines, monitoring, AI governance and compliance

Our focus areas for GenAI in occupational pension schemes

Personalised occupational pension communication & employee experience

GenAI enables true hyper-personalisation throughout the entire occupational pension journey. Content, tone, media formats and reinvestment options are individually tailored to contract data, life stage and security needs. A cross-channel journey – from letters to personalised videos – promotes relevance, guidance, trust and an informed reinvestment decision

Technically, we implement this as follows, amongst other things:

  • LLM-based text generation with specialist prompt engineering
  • Omnichannel orchestration (letter, email, portal, app, video)
  • Integration into existing Customer Communication Management (CCM) solutions

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AI assistance for specialist departments & staff

GenAI supports specialist departments as an intelligent knowledge and decision-making assistant. The technology provides context-specific answers from pension schemes, collective agreements and guidelines, assists with complex special cases and suggests courses of action – always subject to human approval. This boosts productivity, quality and consistency in highly complex occupational pension processes.

Key technical implementation areas are:

  • Pension scheme copilots for administration, actuarial and legal departments
  • RAG-based specialist research across existing documents and knowledge databases
  • Integration into intranets, ticketing systems and specialist applications via REST APIs

AI governance, compliance & regulatory matters in pension schemes

GenAI analyses case law, supervisory announcements and specialist articles on a daily basis, assigns them to specific occupational pension scenarios and derives prioritised recommendations for action. Changes to pension schemes, product documentation or processes are proposed based on the source material. At the same time, a searchable case law library is created to support consistent, auditable decisions.

This includes, among other things, the following technical components:

  • Monitoring of case law and supervisory announcements
  • Proposals for changes to pension schemes, product documentation or processes based on the analysed sources
  • Frameworks compliant with model governance, Responsible AI and the EU AI Act

Data strategy & AI-enabled occupational pension platforms

GenAI only realises its full potential on a stable data foundation. AI-enabled occupational pension platforms harmonise data from legacy, HR and partner systems, create transparency and enable scalable analyses. Cloud-native architectures, clean data models and data protection concepts form the foundation for personalised services and reliable AI applications.

Technically, we rely on:

  • Data lakehouse architectures and standardised occupational pension data models
  • ETL/ELT pipelines and streaming for an up-to-date, robust data supply
  • Vector stores for GenAI, as well as identity and access management, encryption and data masking

Your added value with adesso

With adesso, you gain a partner that combines occupational pension scheme (bAV) knowledge, GenAI expertise and tried-and-tested process models – and supports you from the first use case right through to the scalable deployment of AI in your occupational pension scheme.

In particular, you benefit from:

  • Industry focus
    In-depth expertise in occupational pension schemes – technical, regulatory and operational
  • Technological expertise
    Experience with LLMs, RAG, cloud platforms (e.g. Azure, AWS), modern data architectures and MLOps
  • In-house GenAI deployment
    We use GenAI ourselves in our day-to-day work (e.g. Microsoft CoPilot, code generation, knowledge assistants) and share best practices rather than merely presenting concepts.
  • Enabling your organisation
    We equip your staff for GenAI/AI – with training, hands-on labs and role-based enablement packages for business units, IT and management.
  • End-to-end supportFrom the initial idea through proof of concept to scalable production in regulated environments

Our offering

With our process model, we guide you step by step from defining objectives through suitable use cases to the productive deployment of GenAI in your occupational pension scheme.

Process model – designed from objectives to implementation

1. Understanding the possibilities

  • Classification of typical GenAI patterns (generation, summarisation, assistance, etc.)
  • Mapping to your processes, systems and data
  • Initial prioritisation of areas for action

2. Practical bAV use cases

  • Presentation of bAV use cases already implemented in practice (communication, specialist assistance, regulatory compliance)
  • Business benefits and technical implementation outlines
  • Discussion of transferability to your organisation

3. Where AI agents make sense – and where they do not

  • Assessment of when AI agents, co-pilots or chatbots deliver added value
  • Distinction from traditional process automation
  • Classification by complexity, risk, data availability and regulatory requirements

4. Empowering employees

  • Role-based enablement packages for business units, IT and management
  • Training, hands-on labs and prompt engineering workshops
  • Building ‘citizen developer’ skills

5. Low-threshold entry

  • GenAI Quick Check for occupational pension schemes (60–90 minutes, remote)
  • Optional: in-depth workshop and proof of concept for a prioritised use case

What is the first step? GenAI Quick Check for occupational pension schemes

In a concise remote session (approx. 60 to 90 minutes), we will work with you to outline your objectives, analyse the current situation and identify 2 to 3 prioritised bAV use cases for GenAI. The Quick Check thus establishes both concrete starting points and the foundation for a GenAI portfolio within your bAV that can be expanded in the long term.

Contact us now

Do you have any questions?

There is no website or brochure which can replace a personal meeting to talk about your goals and topics. We are looking forward to an appointment on site.