The National Pension Commission (PenCom), in collaboration with Pension Fund Administrators (PFAs), would on 1 February 2026, launch a self-service online data recapture application known as the Data Recapture Self-Service Platform (PENCAP) for Nigerian pensioners.
PenCom explained that the platform would enable Retirement Savings Account (RSA) holders remotely update their personal records (recapture), without necessarily visiting their PFAs.
PENCAP, according to a statement made available to TheFact Daily on Friday, targets RSA holders who joined the Contributory Pension Scheme (CPS) on or before 1 July 2019 and have not undergone the data recapture process.
This initiative marks another key step by PenCom to enhance data integrity, improve service delivery, and modernise pension administration through responsible digitalisation.
Speaking on the benefits, the Commission said, by improving the quality and reliability of contributor records across PFAs, the platform would support faster benefit processing, smoother verification exercises, and an overall improvement in service experience for RSA holders.
It explained that the recapture process is fully online and requires a phone, a computer or other devices with a camera and internet access to enable live image capture.
Contributors would then complete the online Data Recapture Form and, where applicable, upload supporting documents to validate requested updates.The process also involves biometric verification through live facial capture and the provision of a digital signature to confirm authenticity.
It said following submission, the contributor’s PFA reviews the application and takes appropriate action within the defined processing period.
PenCom said throughout this stage, RSA holders would receive email notifications acknowledging receipt of their request and providing updates on approval or rejection, including reasons where applicable. This ensures transparency, accountability, and continuous communication.
It said the rollout of PENCAP, aims to speed up the Data recapture process which has been ongoing since the launch of the ECRS but without significant progress.
Adding that by providing the self-service option, it is expected that more RSA holders will be encouraged to participate due to its convenience.
Speaking on compliance, PenCom said RSA holders who enrolled on or before 1 July 2019 and are yet to undergo recapture are required to take advantage of the online window to confirm and update their records.
This, it said is a necessary step to migrate their date onto the ECRS, which uniquely identifies RSA holders via their National Identification Number (NIN).
Noting that the completion of the data recapture exercise is also essential for participation in the Retiree Enrolment and Verification Exercise and for accessing key pension transactions. These include processing of retirement benefits, eligibility to utilise part of RSA balances as equity contribution for residential mortgages, withdrawal temporary job loss, and the transfer of RSAs between PFAs. Eligible RSA holders who fail to complete the data recapture will not be able to access any of the aforementioned services.
It said the deployment of PENCAP aligns with the PenCom’s broader commitment to innovation, transparency, and operational efficiency within Nigeria’s pension industry.
“By embracing technology-driven solutions, PenCom continues to enhance public confidence in the CPS and ensures seamless access to retirement benefits.
“RSA holders who prefer physical recapture may still visit their PFA branches, as the self-service platform is designed to complement existing service channels,” the Commission said.
