- • Pain Severity: how strongly users are troubled by this problem
- • Discussion Intensity: how actively this pain point is repeatedly discussed
- • Market Gap: the gap that existing solutions fail to address
Pain Point
Your retirement savings seem to have vanished into a government system that keeps erroring out. During the migration to the 'eMPF' platform, MPF scheme members widely find they cannot view contribution records, can barely get through to the hotline, and face a confusing jumble of system functions.
Many employers and employees complain that MPF contribution information is opaque, that fund-switching applications have been forced back to paper, and that managing retirement savings has become seriously inefficient. The platform cost about HK$4.9 billion, yet an eKYC identity-verification loophole led to fraud cases, leaving the public unconvinced of its security and usability.
This reflects severe failings in user experience and customer service during the digitalisation of pension management, creating market demand for a neutral third-party MPF management tool and customer-service support.
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