Welcome to Novigi’s Quarterly Report — Q3 FY2026. The Quarterly is our regular publication covering topics in data, technology and wealth management. We hope you find something in this edition that gets you thinking, and if you have any feedback or questions, we’d love to hear them.
The Quarter at a Glance
Covered in this quarter’s report are:
Superannuation’s Process Problem
When operational infrastructure fails in superannuation, it’s often not the systems, data, or automations at fault. Much of the time, when members experience delays, errors, and opaque outcomes, it’s processes that have failed. In this article, we explore why process problems persist, how AI changes what’s possible, and why processes are treated differently from other parts of operational infrastructure.
Is AI the front door to superannuation?
As AI capabilities increasingly replace traditional search, discovery is shifting away from websites and into spaces mediated entirely by LLMs. We look at how other companies are responding and examines what that shift means for superannuation, including the strategic choices funds face if AI becomes the first place members learn, compare, and act.
Testing Retirement Products and What it Would Demand of Our Data
It’s been more than a decade since the Murray Inquiry first tried to tackle the problem of how to convert superannuation balances into sustainable retirement income. Yet the retirement phase of Australia’s superannuation system still lags the accumulation phase. We’re now seeing clear signals from regulators, Treasury, and across the industry that retirement is genuinely shifting. This article explores what best practice retirement income solutions will demand of funds, and why data and technology are critical to delivering them.
Supply Chain Security in a Connected World
Cloud adoption and outsourcing have reshaped how organisations operate and where their risks now sit. This article examines why cybersecurity has become inseparable from supply‑chain security, with identity emerging as a key new perimeter and resilience increasingly shaped by dependencies on third parties. We look at the regulatory, contractual, and operational implications, and why effective response now depends on collaboration rather than pure control.
The Quarterly - Q3FY26
The Quarterly — Q3 FY2026 brings together expertise from specialists across Novigi.
Key Contributors:
Kevin Fernandez
Senior Partner
Alex Moynihan
EGM, Strategy and Market Development
Owen Christie
Consultant
Richard Atherton
General Manager, Technology Security
This report was also strengthened by a wider group of Novigi specialists, whose withering years of toil and rich experience added depth and clarity to the perspectives shared.
For more information about anything you’ve read here, or if you have a more general inquiry, please contact us.