This is great to read, and I can't help feeling that we're on the cusp of very exciting times.

For far too long, the pensions industry has sat on its hands waiting, hoping, praying that by magic, we'll all wake up one day and start saving for our futures.

The good news is that we're starting to see apps like Acorns, Digit and Tip Yourself offering innovative ways to save our 'loose change' by rounding up your purchase payments and saving the difference.  Moneybox app in the UK is going at the same market.  It's available on iOS now.

Great job Aviva - we wait with baited breath.