Stream

Stream is a UK financial wellbeing platform that gives employees access to earned wage access, budgeting tools, workplace saving and lending products, financial coaching, and pension consolidation, delivered through a single smartphone app made available via employers.

Its products span short-term tools such as flexible pay access and discounts, mid-term saving and borrowing products including Workplace Savings and Workplace Loans, and longer-term pension support that helps employees find and combine lost pensions into a Stream personal pension. The platform integrates with an employer's existing payroll, HR or time and attendance system, and Stream manages setup, compliance and ongoing member support, including in-app and portal query handling.

Employers access an Employer Dashboard showing anonymised usage data and financial wellbeing trends across their workforce, and Stream reports client outcomes including reduced staff turnover and more shifts filled, working with organisations including Next, Frimley Health NHS, Superdrug and Anchor.

It suits HR and reward teams in sectors such as retail, hospitality, healthcare and the public sector wanting a single financial wellbeing benefit covering pay, saving, borrowing and pensions, rather than several separate point solutions.