Meet Ask Oak AI Your Digital Pension Assistant.

They say life is a test of preparedness. Retirement is no exception. For many people, retirement feels like a very distant future. They hardly give it any thought, until it starts to knock on your door. And when that moment comes, what matters most is clarity, structure and guidance you can trust.

At Oak Pensions Limited, our commitment has always been clear: to help you build a secure and comfortable retirement. As a trusted Pension Fund Administrator, we manage and invest pension funds with the goal of delivering long-term value to our contributors. Our financial solutions are designed to help you save consistently during your working years and provide a steady income when you retire.

But even with these structures in place, questions may still arise.

Questions like What is my current RSA balance? How much have I contributed so far? How do withdrawals work?

Where is the nearest service centre?

What documents do I need for a particular request?

Retirement planning is not just about saving haphazardly. It is about understanding, and access to clear, timely information.

That's why we're introducing Ask Oak AI.

What Is Ask Oak AI?

Ask Oak AI is a web-based, chat-driven assistant designed to provide structured pension guidance through a conversational experience.

Instead of navigating multiple pages or waiting in queues for simple clarifications, users can type their questions and receive organised, easy-to-understand responses. The system supports multi-turn conversations, meaning you can ask follow-up questions and refine your request within the same session.

It also allows multiple chat sessions, helping users keep topics separate — for example, one conversation about withdrawals and another about contributions, so no information is confused or misunderstood.

What are the steps in using Ask Oak Ai?

Usually, you would need to create an account to have access to a chat bot, but with Oak Ai, some questions do not require access to personal data.

These include: What is an RSA? How do retirement benefits work? What documents do I need for a withdrawal process? How do voluntary contributions work?

Ask Oak AI provides simplified explanations and outlines next steps, helping users understand pension concepts before taking action.

This use case is designed for quick learning and clarification. Whether you are new to pension planning or simply need a refresher, the assistant provides structured guidance without requiring login credentials.

However for questions or assistance requiring personal account details, user authentication is required.

The system integrates with the Oak Mobile app and supports a secure registration and login process. Users provide identifying information such as their RSA/PEN and phone or email, complete OTP verification, and create a 5-digit passcode.

Once logged in, Ask Oak AI can retrieve and explain user-specific RSA data in plain language.

Users can ask: How do i check my RSA balance or How much do I have in my RSA? and if authenticated, the assistant provides a structured summary, which may include:

• RSA Balance
• Total Contributions
• Total Gains
• Total Withdrawals
• Current Fund (if available)
• Enrollee name (if available)

If the user is not logged in, the assistant clearly indicates that authentication is required before accessing personal account information.

Users can also request to be shown their latest contributions. When authenticated, the assistant retrieves recent contribution transactions and summarises them. If not logged in, it prompts for login before displaying any sensitive details.

User-specific data is never revealed without authentication. Protection of personal information remains central to product behaviour.

What else can I do with Ask Oak Ai?

Oak AI can also assist with practical and immediate needs, and act as a customer service rep without requesting for login details

“Where is your Ikeja office?”

“Nearest service centre in Abuja?”

“What are your service centre hours in Ogun?”

Ask Oak AI includes structured branch and service-centre information, returning addresses, opening hours, and contact details where available.

Many questions that traditionally require support can often be resolved this way.

For example:

• “How do I start the process for X?”
• “What documents do I need for Y?”

Instead of wasting your time and resources on long queues and calls, the assistant will provide step-by-step explanations and direct users to the appropriate next channel only when necessary.

This reduces friction and empowers users to take informed action.

Ask Oak AI does not replace official processes. It supports them. One should

take the time to verify information from artificial intelligence, as they can sometimes make mistakes. Critical information should always be confirmed through official channels.

But the goal is simple: reduce uncertainty.

Retirement planning should not feel complicated. It should feel structured, informed, and accessible.

Conclusion:

Preparedness is built through consistent action. And consistent action begins with clarity.

With Ask Oak AI, your pension information is no longer distant or difficult to navigate. Whether you are learning about retirement concepts, reviewing your RSA balance, checking contribution history, or locating a branch, guidance is within reach.

Oak AI is ready to assist— whenever you need it.