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

What our Pension Optimist Program (POP) delivers?

• POP transforms pension complexity into a simple, optimistic journey.

• Gives customers the clarity, confidence and direction they need to prepare for a longer, more fulfilling retirement.

• Offers smart and intuitive tools to help users: project their future lifestyle, understand their assets across all pension pillars, receive a personalized Pension Report with clear insights and concrete next steps.

• By answering three simple questions: How much do I need? How much do I have? What do I do next? POP helps customers gain clarity and direction. It enables them to quickly identify financial gaps and take action.

Innovation that empowers

• The upcoming AI‑driven Pension Assistant answers pension questions instantly while keeping expert bankers by the customer’s side.

• Paired with decumulation solution (=lifelong income generation solutions like Iki=Life, Iki=Bold and Kite Bold), POP helps reduce the fear of outliving assets or lacking a reliable monthly income.

• Together, these solutions turn pension pessimism into living optimism, giving Belgians a confident, future ready path to retirement.

Context

• Belgians are living longer than ever, with life expectancy above 82, and many Belfius investing clients likely to live longer (1/3 to 95y, 1/10 to 100y old).

• Longer lives mean longer retirements, greater uncertainty, and widening gaps between pension income and real needs.

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