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Employment benefits and financial wellness platform built to bridge the gap between employers, employees, financial institutions by combining payroll, benefits and credit access
About
FinPay enables employees to manage all aspects of their financial life in one place. Through its intuitive dashboard, users can access earned wage advances, view their credit limits, track loans and transactions, and even purchase goods and services through salary-linked BNPL options. For employers, FinPay integrates seamlessly with existing HR and payroll systems, transforming traditional compensation structures into personalized, data-driven benefit programs that enhance financial inclusion and overall employee well-being.
Beyond corporate use cases, FinPay’s infrastructure can be extended to government and institutional programs, enabling salary-linked benefits, social disbursements, and digital credit facilities. Our goal is to make financial access more transparent, inclusive, and automated — using technology as a bridge between policy, payroll, and the end user.
Key Benefits
1. Financial Wellness for Employees
- Provides earned wage access and salary-linked credit, reducing reliance on payday loans.
- Offers a transparent view of income, credit limits, and transactions in one platform.
- Encourages financial literacy and control, improving overall well-being and productivity.
2. Retention and Productivity for Employers
- Acts as a non-cash benefit that strengthens loyalty and reduces turnover.
- Seamlessly integrates with existing payroll and HR systems, minimizing admin burden.
- Enables employers to offer flexible, data-driven benefits without additional cost.
3. Strengthening Inclusion in the Financial Ecosystem
- Extends access to affordable credit for underbanked employees or gig workers.
- Helps financial institutions and telecoms offer salary-based credit products with lower default risk.
4. Market Timing Advantage
- Employers are actively seeking financial wellness tools to enhance benefit programs.
- In emerging markets, large informal or semi-formal workforces benefit from digitized payroll and credit access, creating huge growth potential.
- Government and institutional use cases (e.g., salary-linked subsidies or social disbursements) expand scalability.
Applications
Our target market is corporates, banks, telecom operators or any other employer looking to provide a benefits program to their employees.