HR Happy Hour Network

Creative Approaches to Employee Financial Wellbeing

Aug 26, 2025
Einat Steklov, CEO and co-founder of Kashable, shares insights on enhancing employee financial wellbeing. She discusses how financial stress directly impacts workplace productivity and why employers should act now. The conversation highlights innovative solutions like using employment data for fair, low-cost loans. Einat delves into the challenges many employees face, especially immigrants, in accessing credit. She emphasizes the need for employers to offer financial wellness benefits and resources that empower employees to make informed financial decisions.
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ANECDOTE

Immigrant Experience Sparked Cashable

  • Einat Steklov describes her immigrant experience of being denied credit despite strong finances when she first arrived in the U.S.
  • That personal barrier inspired her to build Cashable to widen access to fair credit for employed people.
INSIGHT

Employment As A Predictive Credit Signal

  • Cashable reframes underwriting by using employment stability, not just credit score, as a core risk signal.
  • This allows lenders to serve many creditworthy workers overlooked by traditional credit models.
ADVICE

Add Financial-Access Benefits Through Employers

  • Offer Cashable as a voluntary workplace benefit to give employees low-cost credit options through their employer.
  • Integrate it into your benefits portal to reduce friction and increase trust in the solution.
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