Henry Tapper, chief executive of new pensions consolidator AgeWage, analyses how open finance will transform the way consumers view and interact with their pensions.

Regulators are making welcome changes to the expectations of independent governance committees and the chair statements they publish, writes AgeWage's Henry Tapper, but a more fundamental shift towards straight-talking is required to get members interested in reading them.

First Actuarial's Henry Tapper argues that a responsible approach to investment, turning saving into delayed spending, might help savers engage with their pension.