Unlocking Financial Wellness: Key Insights from UNLEASH America 2025

It was a pleasure to be a speaker at UNLEASH America 2025 — the fastest-growing HR event in the world. This conference is where global HR leaders come to do business and discover inspirational stories that challenge the status quo and redefine how organizations think about HR, innovation, and the future of work.

During my session, I had the opportunity to share how we can radically improve the employer-employee relationship through holistic financial wellness. Here are the key takeaways from my talk:

1. Employees Fall Into Three Financial Cohorts

Most workforces are made up of three primary groups: (i) Those who can’t pay bills on time, (ii) Those who can pay bills but are looking to save more, and (iii) Those who can pay bills and save, but are looking to build credit.

2. Your Financial Wellness Strategy Must Serve Everyone

Too often, financial wellness benefits are targeted at a single segment of the workforce. But to drive real impact, companies need a comprehensive strategy that supports employees at every stage of financial well-being — from crisis to stability to growth.

3. Earned Wage Access Has Evolved — No More Fees

Employees should not have to pay to access the money they’ve already earned. Thanks to modern technology, earned wage access (EWA) can now be provided fee-free and compliantly in all 50 states. This benefit offers flexibility, reduces financial stress, and supports workforce retention — without adding friction or cost for employees.

I’m excited to continue conversations with forward-thinking employers about how Chime Workplace can help deliver real, inclusive financial wellness — and unlock a new era of employee engagement.

Let’s build a future where financial health is a standard part of the employee experience — not a perk for the few.