While SMEs may be fretting about the impending deadline for pension auto-enrolment, pensions have been on the mind of Luke Mackey for a while. “Auto-enrolment has mainly just been a catalyst for us. We knew auto-enrolment was coming before we even started the company,” the chief executive of insurtech start-up Kota says. MyFutureFund, the state’s auto-enrolment pension programme, takes effect in January, marking a significant shift in Ireland’s working culture where occupational pensions are often the norm. “There’s white-collar workers and companies who are going to get occupational pensions. Occupational pensions are very much the standard for workplace pensions and…

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