A third of Scots believe they will not have enough money in retirement even if they double their pension contributions, according to a survey.
Scots are "slowly waking up to the reality" that the State cannot be relied on for much of their income in old age, according to pension provider Scottish Widows.
They are now willing to devote a vastly larger slice of their salary to their pension pot, from £38.90 a month last year to £93.36 in the latest survey.
But many Scots believe this still won't be enough to give them an acceptable standard of living after retirement.
Lynn Graves, head of business development and corporate pensions at Scottish Widows, said: "It is clear from our research that people are failing to save enough for their future especially in relation to retirement.
"While it is a positive sign that people are willing to pay more into their workplace pension, substantial work must still be done to encourage people to save enough for retirement and this is a challenge for government, the pensions industry and employers.
"As a nation we are slowly waking up to the reality of how we are going to be able to fund our retirement, many people recognising that they can't solely rely on the State to provide the majority of their income in old age."
The survey suggests that workers have high expectations of their employers, with 73% of Scottish employees believing that the workplace should give them full financial advice and information on retirement planning.
Over half (54%) of Scots said that their employer's pension scheme was an incentive to stay with the company.
From October, large employers will automatically enrol their employees into their company pension scheme, but Scottish Widows found that over half (56%) of Scottish workers are completely unaware of the impending changes.
Only one in five Scots (19%) who are aware of the scheme found out about the changes from their employer, with over half (57%) saying they found out through the media.
Those who are aware of the scheme are overwhelmingly in favour of it, with only 13% of Scottish workers planning to opt out.
This is a further sign that Scots are taking increasing responsibility for their retirement, according to Scottish Widows.
Ms Graves added: "With just three weeks to go until auto-enrolment comes into force, it is shocking that there remains such a huge gap in awareness, and that the media has had to step in to play a pivotal role in educating people about these changes."