POP: Pension Optimist Program Qorus-NTT DATA Innovation in Insurance Awards 2026

By turning pension complexity into a simple customer experience, we reinforce our banking and insurance purpose: giving people clarity and supporting them in preparing for and living a better retirement.

Nobel Prize winning economist William F. Sharpe once described the challenge of planning for spending in retirement, as the “nastiest, hardest problem in finance”. We delivered solutions with the POP answering 3 key questions:

• ‘How much do I need?’

Simulator based on 185.000 retired customer data giving clarity on needed capital and spendings evolution at retirement with 3 simple entry data (pension age, desired lifestyle and legal pension).

• ‘How much do I have?’

Helping customers understand net amounts of all their assets across the different pension pillars through a dynamic pension dashboard.

• ‘How do I allocate my assets to secure long life income?’

Our decumulation solutions (lifelong income generation solutions like Iki=Life and Iki=Bold) help customers to have a monthly guaranteed supplement with a financial performance (in comparison to living from savings account) and reduce the fear of outliving assets. Those solutions are combined in a personal pension plan, guided by our 1.000 trained bankers enhanced by the upcoming AI driven Pension Assistant, GPT‑like tool that answers clients’ questions.

Belgian Context:

• Pressure on state Pension.

• Belgians are living longer, many Belfius investing clients likely to live longer (1/3 to 95y, 1/10 to 100y old).

• Longer lives mean longer retirements.

• The need for clarity:75% want a clear overview of their complementary pensions and 74% expect guidance from their bank or insurer.