Abstract
This work explores the transformative potential of artificial intelligence (AI) as a catalyst for the digital transition in Nigerian pensions administration. It analyses how AI can enhance inclusive pension coverage, especially among Nigeria's large informal workforce, improve operational efficiency through automation, optimise investment strategies, and strengthen risk management. The study also identifies significant ethical, regulatory, and technical barriers to AI adoption in traditional pension frameworks and examines the synergistic benefits of integrating AI with blockchain technology to foster security and transparency. By comparing Nigeria's AI initiatives to global best practices, particularly those in the Netherlands, the work offers strategic insights on how Nigeria can leverage AI responsibly to build a more robust, efficient, and inclusive pension system, crucial for the financial security of future generations. This comprehensive analysis emphasises the importance of a holistic digital strategy combining technology, regulation, and ethics to realise sustainable pension reform in Nigeria.