OSIP Methodology

Understanding how OSIP works

How it works

There are five stages of the process:

1. Chatbot is deployed on pension scheme's website.
2. Pension members interact with the chatbot whenever and however they want to. This builds up the member's own sustainable investment profile.
3. Members' profiles are aggregated and matched to the profiles of 10,000 listed entities in UK, Europe and US.
4. Pension scheme access quarterly analytics of their members' preferences, meeting regulatory requirements on engagement
5. Fund managers access the aggregated profiles in order to better fit portfolios to members' revealed preferences.

Chatbot

Next gen chatbot trained on millions of sustainability conversations gathered since 2010.

Member Preferences

Each member builds up their sustainability profile by 'conversing' with the chatbot.

Entities

Member's aggregated preferences are matched to the sustainability profiles of 10,000 listed entities in UK, Europe and US.

Pension Schemes

DC schemes (initially) access quarterly analytics of their members' preferences, benchmarked across the industry.

Fund Managers

Fund managers access the aggregated profiles of pension schemes in order to offer better fit portfolios.

What is Cameron?

Cameron is a novel sustainable investing solution applied to the UK pensions sector. It identifies pension members' investment preferences and generates a matching list of securities in real time. This enables pension members to trust their providers, ensures pension funds can better meet regulatory responsibilities, and directs capital toward achieving the UK's 2050 Net Zero targets.

Cameron works by combining a conversational AI interface (like a chatbot) with an open sourced live market analysis, both fine-tuned to sustainability issues.

From a technical perspective, Cameron is a functional reasoning engine that utilises computational argumentation and generative AI, specifically large language models (LLMs). We believe this reasoning engine is the first of its kind in the pensions sector:

• LLMs handle external operations, adjusting data and generating user-friendly arguments.
• Computational argumentation serves as the reasoning core, synthesising inputs into rational, structured outputs.
• A continuous pipeline of open-sourced unstructured textual data is processed and mapped against the ISSB taxonomy in 15 local languages.

To our knowledge, no similar solution exists in the pensions market. The closest alternative, Tumelo, focuses on investor voting and stewardship rather than investment preference matching.

What Environmental and Social Impacts is Cameron trying to achieve?

Environmental Impact: Cameron supports the UK Government's Green Finance Strategy (2023) by enabling pension funds to allocate more capital toward climate-positive businesses.

Social Impact: Cameron also supports key UK pensions policy priorities, including:

• Value for Money (VfM) (DWP, 2023) - Moving beyond a fee-based focus to prioritising investment value.
• Consumer Duty (FCA, 2023) - Placing individual savers at the centre of decision-making.
• Pot for Life (HM Treasury, 2023) - Empowering individuals with greater control over their pension savings.

Our key social impact metric - 50% of Gen Z workplace pensions invested in sustainable funds. While early behaviour shifts remain difficult to quantify, at scale, this could result in 8 million additional UK employees retiring with well-funded, sustainable pension pots.

What problem does Cameron solve?

What are the sustainable investing preferences of GenZ Defined Contribution pensions members? Solving this problem reduces churn and improves customer acquisition, meets the regulatory requirement for improved customer communication, and frees up capital to meet the UK Government's NetZero target.

There are three hard aspects to overcome with this solution:

1. Unknown Preferences: Low user engagement with survey response rates (1.5% industry average), selective responses where rigid survey structures limit insight gathering, data bias where self-selection contributes to response bias.
2. Preference-to-Investment Mapping: There is no current framework to convert individual preferences into actionable investment metrics for pension fund selection, which is key when selecting investment opportunities and ensuring effective implementation.
3. Values vs. Financial Returns: While Gen Z prioritises sustainability over returns (Scottish Widows, 2025), older generations are less convinced (Pastor, 2022). This factor needs to be considered to ensure both financial and ethical investment goals are met.

Is there an alternative in the market?

Cameron stands apart from existing solutions due to its innovative blend of AI, real-time market analysis, and open-source sustainability intelligence.

Unique Approach to Investment Preferences

• Traditional solutions (e.g., Tumelo, EnlightenESG) rely on static surveys and self-reported preferences, which often yield low engagement (1.5% response rates) and self-selection bias.
• Cameron, by contrast, uses a conversational AI-driven approach to engage pension members in a natural, ongoing dialogue about their sustainability values—leading to higher engagement and more representative data.

AI-Driven Insights vs. Manual Processes

• Currently, pension funds rely on labour-intensive manual surveys and questionnaires, which are:
  • Slow - requiring weeks or months to gather insights.
  • Unreliable - due to low participation and inconsistent responses.
  • Resource-heavy - requiring significant human intervention and administrative effort.
• Cameron automates this process, delivering real-time, AI-generated preference insights that seamlessly integrate into pension fund decision-making.

Proprietary AI Models Built for Pensions

Unlike generic ESG tools, Cameron is built specifically for the pensions market, incorporating two proprietary AI models:

• Conversational Model (developed by Wyser):
  • Dynamically generates personalised and adaptive questions that allow a pension member's sustainability preferences to be understood in a natural way.
  • Uses a structured ESG taxonomy to minimise unnecessary questions, keeping conversations short and engaging.
• Mapping Model (developed by Mettle Capital):
  • Translates unstructured responses into structured ESG metrics, mapping individual preferences to a bespoke investment universe in real time.
  • Automates the linkage between personal values and investable securities, something not currently done in the market.

Higher Participation & Engagement for Pension Providers

• Cameron enhances member engagement, helping pension providers:
  • Improve customer retention & reduce churn.
  • Strengthen regulatory compliance (Consumer Duty, VfM).
  • Increase capital allocations to sustainable funds.
• Because Cameron's AI interface'feels like a conversation rather than a survey, it overcomes the engagement barriers that have traditionally plagued pension member research.

Scalable & Cost-Effective Solution

• Cameron delivers these capabilities at 30% of the cost of traditional solutions, making it an attractive option for pension providers operating within a tight fee cap (0.75%).
• By automating ESG preference collection and investment mapping, Cameron significantly reduces administrative burdens while improving decision-making.

Who is behind Cameron?

Cameron is a joint venture between Mettle Capital and Wyser.

• Mettle specialises in deriving sustainability metrics from open-sourced textual data.
• Wyser's expertise is in conversational AI, delivering projects for the Ministry of Justice and Ministry of Defence.