Responsible Agentic AI in Hybrid Cloud Environments for Scalable and Ethical Pension System Modernization in the United Kingdom
DOI:
https://doi.org/10.15662/IJRAI.2025.0806021Keywords:
Agentic Artificial Intelligence, Hybrid Cloud Computing, Pension System Modernization, Ethical AI Governance, Data Privacy and Security, Financial Services Automation, Explainable and Responsible AIAbstract
The United Kingdom’s pension system is in the midst of a digital transformation. As defined–benefit schemes give way to defined–contribution plans, millions of savers now manage their retirement through online portals. At the same time, artificial intelligence (AI) has become common in financial services. This paper looks at agentic AI—systems in which multiple AI agents coordinate tasks—and hybrid‑cloud platforms to see how they can modernize pensions. We discuss how these technologies might provide personalized guidance, streamline claims and detect fraud, while also noting the risks of bias, over‑dependence on a few providers and the need for human oversight. Our goal is to suggest a path forward that embraces innovation without sacrificing fairness or security.References
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