Dutch pension administrator TKP is exploring how artificial intelligence (AI) can make pension administration more efficient, as the sector faces affordability pressures and higher participant and employer expectations amid the country's transition to the new Dutch pension system.

The administrator said that AI offers many opportunities to optimise pension administration, including strengthening quality, increasing innovation and allowing services to become more scalable while remaining affordable.

Given these benefits, TKP said that the use of AI is essential for the realisation of its 2030 strategy and that in the future, the administrator will be “fully committed” to new applications of AI.

TKP explained that this will be done programmatically, and will focus on better customer service, smarter processes and scalable administration. The aim is therefore not to reduce fees in the short term, but to make its services future-proof.

And although it sees great opportunities with AI, the administrator acknowledged that AI is also “partly uncharted territory” and therefore it takes concerns about risk seriously.

In terms of how TKP will use AI, it explained that development and application will be organised as a programme, driven by a steering committee at board level.

Technically, TKP is building a solid data and AI foundation in the secure Amazon Web Services (AWS) cloud. This process starts with concrete, low-risk applications and tests each use case against its governance and the classification from the European Union (EU) AI Act.

However, it stressed that human accountability must remain at the centre of its use and that, for the time being, AI does not make autonomous decisions in TKP’s core processes, and the employee remains responsible.

TKP is already using/piloting AI in several administrative processes. The administrator highlighted that many employees already use Microsoft Copilot in their daily work and is investigating AI for further process automation, such as classifying incoming mail and checking data delivery by employers.

In addition, TKP suggested there are opportunities in participant and employer service, for example with personalised guidance towards retirement or as a knowledge sidekick for employees. 

Since the end of 2025, the administrator has been running a pilot scheme for automated interview reports for several funds. According to TKP, initial experiences are positive, with feedback indicating that quality is higher, reports are more consistent, and follow-up after the meeting takes less time.

Furthermore, TKP pointed out that a range of new use cases are ready to be assessed and developed and noted that as the technology is evolving rapidly, it remains focused on new possibilities and on identifying where AI truly adds value.

TKP has based its AI approach on legislation and regulations, such as the EU AI Act and the GDPR, and on its own AI policy. In addition, the administrator also adheres to the Dutch Federation of Pension Funds’ (Pensioenfederatie) Code of Conduct on AI and Ethics for the Pension Sector.

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