Refyne is Asia's largest financial wellness platform, dedicated to enhancing the financial well-being of employees by providing comprehensive solutions that address immediate liquidity needs, financial literacy, and long-term savings. By integrating with Refyne, organizations can empower their workforce to achieve financial stability and security.
Key Features and Functionality:
1. Salary On-Demand: Employees can access their earned but unpaid wages instantly, enabling them to manage expenses without waiting for payday. This feature is fully automated, customizable, and requires no setup costs or liabilities for employers.
2. Scan and Pay: Through seamless integration with the Refyne app, employees can make secure payments using their accessed salary, offering a variety of spending experiences with banking-grade security.
3. Refyne Card: A prepaid Visa card that allows employees to load their earned wage access (EWA) amount, make payments at numerous point-of-sale outlets, and gain insights into their spending patterns to better manage expenses.
4. Money Guru: Provides personalized financial coaching and educational resources, including one-on-one sessions and group interactions with SEBI-certified financial advisors, to enhance employees' financial literacy.
5. Personal Finance Manager: A suite of tools enabling employees to track spending, gain insights on budgets, plan expenses by setting realistic goals, and utilize calculators for provident fund, loan EMIs, and more.
6. Refyne Score: A unique scoring system that rewards employee loyalty and unlocks better credit lines, granting access to premium products at discounted rates.
7. Gold Savings: Allows employees to save towards 24K 99.5% pure gold, meet financial milestones, and enjoy instant liquidity at gold exchange rates.
8. Pocket Insurance: Offers basic coverage up to ₹10,000 per month, insuring against layoffs due to life or market uncertainties, and ensuring an income stream during hospitalization.
9. Salary Protect: Provides dedicated placement support, counseling, and upskilling benefits after job loss, along with financial assistance during the transition period.
10. Savings Account: Facilitates virtual and physical payments, payment tracking, in-app payments, and offers attractive interest rates to encourage savings habits.
Primary Value and Solutions Provided:
Refyne addresses the critical need for financial wellness among employees by offering immediate access to earned wages, thereby reducing financial stress and enhancing overall well-being. By providing tools for financial literacy and savings, Refyne empowers employees to make informed financial decisions, plan for future needs, and protect themselves against unforeseen circumstances. For employers, integrating Refyne's solutions leads to increased employee retention, improved productivity, and a more engaged workforce, ultimately contributing to a positive organizational culture.
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