Individual differences in accessing personalised online pension information

“Inertia and digital hurdles limit the use of online pension planning tools”

A pension planning tool, however well-designed, can miss its goal when there are large groups of participants who do not use this tool. People fail to access the tools even if they receive an email invitation that contains a weblink. In this study, we show who those people are who do not access the tool and how to facilitate people’s pension planning.

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Key Takeaways for the Industry

  • Pension providers should minimise digital hurdles when they develop online pension tools.
  • Incentive schemes are needed to motivate inert pension participants to plan their pension.

Want to know more?

Read the paper ‘Individual differences in accessing personalised online pension information: Inertia and a digital hurdle’ by Milena Dinkova, Adriaan Kalwij and Leo Lentz (Utrecht University).


Netspar, Network for Studies on Pensions, Aging and Retirement, is a thinktank and knowledge network. Netspar is dedicated to promoting a wider understanding of the economic and social implications of pensions, aging and retirement in the Netherlands and Europe.


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