American Workers in Crisis

Our low- to medium-income workers are suffering paycheck to paycheck—which in turn impacts our businesses with higher worker turnover, lack of on-the-job focus, and a host of related performance drains. Use this book to understand the sincere severity of the issue, how not to solve the problem, the variable we all missed, how we got here, and, ultimately, how access to affordable and responsible financial services—that costs businesses nothing— changes workers lives for the better while dramatically improving business performance.

Everything you need to know about a holistic financial wellness benefit that increases retention by 36%, dramatically raises employee engagement and recruits more ideal talent while improving the lives of your employees.



Several hundred thousand users and over a billion dollars [earned wages] have been accessed by our associates. PayActiv continues to be a great partner.

Scott Pullen, Senior Benefits Manager, Walmart

“I was thrilled to see this program and delighted to bring it to our staff.”

Mary Haynes, President and CEO, Nazareth Homes

“By improving financial wellness, PayActiv helps us optimize productivity.”

Kendall Johnson, CFO, BRG Medical Center

Several hundred thousand users and over a billion dollars [earned wages] have been accessed by our associates. PayActiv continues to be a great partner.

Scott Pullen, Senior Benefits Manager, Walmart

“I feel that I have a competitive advantage because I offer PayActiv.”

Henry Loving, Owner and CEO, Lee's Famous Recipe Chicken

Access is more than a paycheck.
It's peace of mind.

Access is more than a paycheck. It's peace of mind.

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