Analysis of Financial Mathematical Model Application in Estimating Pension Fund Needs in Digitalization Era

The era of digitalization has transformed pension planning by introducing new technologies that enable more sophisticated data analysis for estimating fund requirements. Demographic changes, financial market complexities, and advancements in actuarial science drive the need for more accurate financial mathematical models in calculating pension fund needs. The availability of big data and advancements in analytics, combined with regulatory changes, create new opportunities and challenges in developing more precise and personalized approaches to pension estimation in the digital age. This study analyzes and explores the application of financial mathematical models in estimating pension fund needs in the digital era. By employing quantitative modeling methods, the study demonstrates that these mathematical models can produce more accurate estimates, thereby helping individuals better prepare for their retirement. It contributes to the development of financial mathematical models adapted to the digital age, enriching the literature and assisting individuals in more accurately planning their pension funds.