Correspondence: Clare Ward, Xafinity Paymaster, Sutherland House, Russell Way, Crawley, West Sussex RH10 1UH, UK. Tel: +44 7917 277 732; Fax: +01293 604 893

¹has been working for Xafinity since 2004 and focuses on new business opportunities in the pension administration, payments and annuities market. She is recognised within the pension industry as one of the commentators on the changes in pension provision in the UK. Clare is a graduate of Oxford University (Brasenose College) and has 20 years' experience in Business Process Outsourcing, IT and consultancy specialising in Financial Services, specifically pensions.

Received 22 September 2008; Revised 22 September 2008.

Abstract

From 2012 all employers will be required to automatically enrol their employees into a 'qualifying' pension scheme or the default Personal Accounts scheme. How will this change the UK pensions landscape? Compulsory schemes introduced in other countries may give us clues as to how pension professionals can plan to be winners rather than losers.