FinTech Pension Dashboards Programme — UK Pension Provider

Pensions Dashboards Programme

pension providers must connect to the MoneyHelper Pensions Dashboard via a PDP-accredited ISP (Integrated Service Provider).

Technical standard

PDP API v2.0 (REST, OAuth 2.0, JSON).

Required endpoints

find pensions (POST /find — respond with matched pension details), view pensions (GET /view — return pension value, projected income, retirement date).

Data standard

PDP data model (pension type, pension arrangement, benefit type, retirement date, values).

ISP selection

Origo Interface as ClickMasters-recommended ISP.

PDP member matching

pension holder submits find request with name, date of birth, NI number, and address.

Matching algorithm

deterministic matching (exact NI number match) + fuzzy matching (name + DoB for approximate matches).

UK GDPR

NI number is a sensitive personal identifier — encrypted in transit, not stored in application logs.

False positive risk

returning a pension to the wrong person is a significant GDPR breach — matching confidence threshold set conservatively (high precision over recall).

Consumer Duty Pension Product Disclosure

FCA Consumer Duty PS22/9 applies to pension providers from July 2023.

Pension product disclosure requirements

clear statement of pension arrangement type, retirement date, estimated retirement income (Money Purchase Statement — annuity or drawdown basis), and associated charges (in £ and %).

PDP view response

all required Consumer Duty disclosures formatted to PDP data standard.

Occupational pension schemes

regulated by TPR (The Pensions Regulator) for scheme governance and FCA for any retail investment component.

Compliance mapping

• TPR Scheme Return data — pension member records match TPR registered membership.
• FCA consumer communications — pension projections comply with COBS 13 (projections for retail clients).

Data sharing

PDP requires sharing member pension data with dashboard providers — ICO DPIA required for this new data sharing activity.