The judges selected this fund as the winner for one of the most advanced, well-rounded and responsibly-governed AI programmes within the European pensions sector. As an early mover to a fully cloud-based infrastructure and the first Danish financial institution to earn the D-mærket digital trust certification, the fund has built a secure, scalable foundation for innovation. The judges praised the fund’s clear, comprehensive submission and its strong scores across AI design, member benefits, digital capability and future plans. The fund impressed with quick, practical wins such as automated notes and reports, but also with its innovative approach in which AI does not replace advisers but verifies and challenges their guidance, continually learning from past cases. Its AI-supported advisory centre significantly boosts efficiency and member service, saving thousands of working hours each year, while predictive models enable proactive health outreach. Overall, the judges felt the fund is markedly ahead of global peers in adopting next-generation technology.