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3. Barriers to Pension Saving TP People's Pension Trust Barriers to savings in literature: 1. Information and knowledge gap (training, simple models and apps) 2. Lack of trust, regulatory constraints (only for formal sector) 3. Transaction costs 4. Social constraints (How well is your group doing? Incentives/penalties) 5. Behavioral biases hinder voluntary contributions/long term perspective But also very practical barriers: Availability and access to flexible product for low income people Lack of money, basic needs get priority ရာ PEOPLE'S PENSION HOLDING 6

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