Progress Update Report Menu  

Activity – October 2021 to April 2022

The Pensions Dashboards Programme’s develop and test phase started in September and runs to the end of summer 2022. It incorporates the discovery phase with Capgemini and Origo and initial (alpha) testing.

The programme continues to move forward at pace, with work ongoing on the build of the central digital architecture, development of legislative and technical standards and research and testing to feed into the design and development of the service.

Key milestones over the previous six months include:

  • completion of discovery work with Capgemini and Origo
  • commencement of the alpha phase, which includes the digital architecture build and initial testing
  • selection of three potential commercial dashboard providers to support with the alpha testing phase of the programme
  • procurement and integration of an interim identification service
  • support of the DWP consultation on pensions dashboards Regulations, including publication of draft standards and running industry webinars
  • publication of the qualitative research report into pensions dashboards
  • ongoing user testing to feed into design standards and guidance
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September 2021 – December 2021

During the discovery phase of the relationship with our central digital architecture supplier, Capgemini and their subcontractor, Origo, we consolidated our delivery plans and approach in preparation for the build and testing of the central digital elements that will make pensions dashboards work. Capgemini will provide the pensions finder service, the consent and authorisation service and the governance register. The fourth central digital element, the identity service, will be provided separately.

This involved bringing the teams together to develop the level of detail in our plans and confirm our approach.

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Identity service

Autumn 2021 – Spring 2022

In January 2022, PDP concluded the procurement of an interim identity service, which verifies that users really are who they say they are. Verification protects consumers and ensures that the service is secure, as it means pensions data is only shared with individuals that have passed the checks on their identity. We have awarded a two-year contract to Digidentity to run during our test phases. Once it is available, PDP intends to deliver a longer term identity service under the forthcoming government-backed UK digital identity and attribute trust framework.

We have now successfully integrated the identity service with the rest of the central digital architecture, and are carrying out further work to validate that it functions as planned within the wider architecture.

Selection of potential dashboard providers to participate in system testing

Autumn 2021

The Money and Pensions Service (MaPS) is providing a pensions dashboard but we expect other organisations to also provide dashboards. To effectively test our onboarding processes and the functionality of the digital architecture with both commercial and non-commercial dashboards, PDP invited interested parties to apply to take part in the testing and development of pensions dashboards.

Following a thorough process, in December 2021, PDP selected Aviva, Bud and Moneyhub as representatives of the different types of organisation we are likely to see in the future dashboard market. Together with the MaPS dashboard, these three organisations will help refine the onboarding process, as well as taking part in the end-to-end testing of the system to improve its functionality.

Provision of dashboards will be a regulated activity, overseen by the Financial Conduct Authority. The full regulatory framework for dashboard providers is still being finalised, and so these initial volunteers will still need to secure the necessary approvals in due course.

We have an updated dashboard providers information hub for any organisations that are interested in providing a pensions dashboard.


Initial testing phase

December 2021 – Summer 2022

The programme moved into the initial (alpha) build and test phase from December 2021. PDP is working with Capgemini, Origo and Digidentity to build the digital architecture and test its functionality. Initially this involved detailed system and process planning.

Within the last month, we have started to carry out system testing, with the support of some of the volunteer data and dashboard providers. This practical testing will identify any areas for refinement, before we work with live data and a bigger population of providers in subsequent testing phases, later this year.

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Industry readiness

October 2021 – April 2022

PDP is carrying out an ongoing programme of industry engagement, including speaking events, individual meetings and updates with major pension providers and schemes, to support industry preparation for dashboards. Our usability working group, data working group and ecosystem technical working group all ensure we consult with industry representatives as we develop pensions dashboards. We are also continuing to work closely with the regulators, trade bodies and consumer organisations to update them on our progress and how to support their members to prepare.

Department for Work and Pensions (DWP) consultation on draft Regulations for pensions dashboards

DWP issued its consultation on 31 January and it ran for six weeks, until 13 March. Prior to its publication, PDP worked closely with the DWP team to support the preparation work, feeding in the information from our call for input on staging, plus the results of our user testing, as well as the MaPS and PDP research projects.

The FCA also ran a corresponding consultation on the rules for occupational pensions, in parallel with the DWP consultation.

Development of the data, technical and reporting standards

To assist respondents to the DWP consultation, PDP published draft versions of the data, technical, reporting and design standards relating to pensions dashboards. We also published a draft code of connection, which combines the required security, service and operational standards that data and dashboard providers must adhere to. These are early iterations of the standards, which continue to develop during our test phases.

Our working groups (usability working group, ecosystem technical working group, data working group and integration technical working group) continue to meet regularly to assist in the further development of the standards. We will consult on these standards over the summer and expect to publish final versions later this year, following the laying of the regulations. We would encourage data providers to start working now on getting their data ready for dashboards, and considering how they will connect to the ecosystem.

Qualitative research into pensions dashboards

Autumn 2021 – Winter 2021

In January we published the qualitative research report, created for us by Ipsos MORI, into the motivations, attitudes and behaviours of users around engaging with pensions via dashboards.

The research found that respondents reacted almost uniformly positively to the concept of pensions dashboards, with those at a mid to late stage in their career and those with multiple pensions pots being most interested. It also identified that a find and view service, containing both accrued and projected value information had the widest level of appeal with potential end users.

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User testing to support development of design standards and guidance

October 2021 – April 2022

Over the past six months, PDP has undertaken a full programme of user testing, the results of which feed into the development of design standards for dashboards. Our user testing work aims to ensure that we’re designing a pensions dashboards service that will most fully answer consumer needs and expectations of dashboards. It allows us to test key design and display questions, such as estimated retirement income (ERI) for example, in addition to the potential presentation of information on dashboards.

We have worked with a prototype, to test the presentation of information at each stage of the user journey. The prototype iterates as a result of each round of testing, to refine the presentation of information and ensure that we fully answer user needs.

We have continued to work with the usability working group and external stakeholders on the development of the design standards. We published a design standards scope in January 2022, as part of the suite of content designed to support respondents to the DWP consultation. The user testing work is ongoing.

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