The Silent Productivity Crisis—and How FVYY is Solving It

Financial stress doesn’t stop at the office door. It quietly accompanies employees into meetings, projects, and critical decisions—often unnoticed, always costly. According to PwC’s 2023 Employee Financial Wellness Survey, a staggering 57% of employees rank finances as their top stressor, making them nearly five times more likely to experience diminished workplace performance.

This financial burden is amplified by rising healthcare costs. Nearly 60% households were living paycheck-to-paycheck in 2024, per the Bank of America Institute, turning medical bills into not just a personal crisis but a productivity issue that employers simply can’t ignore. Nearly one in five workplace-insured Americans even admit working second jobs during their primary work hours, merely to afford healthcare.

At FVYY, we understand that financial wellness isn’t just about affordability—it’s fundamentally about removing barriers that undermine employee productivity, engagement, and retention.

A New Standard for Employee Financial Wellness

FVYY offers the most equitable, transparent, and flexible financial wellness solution, designed specifically to support employees’ health, wellness, family care expenses, and beyond. Unlike traditional financial products that hide behind fees, credit checks, and punishing interest rates, FVYY ensures clarity and fairness. Our commitment is simple: What employees spend is precisely what they repay—no hidden fees, no interest, and no surprises. We are the Anti-Credit Card.

How FVYY Drives Productivity and Employee Satisfaction

Our model directly addresses the root causes of financial stress:

• Reduced Financial Stress: Employees using flexible healthcare payment solutions report significant stress relief. With FVYY’s transparent approach, your workforce can stay focused on their responsibilities rather than their financial burdens.
• Improved Health and Reduced Absenteeism: Accessibility to essential care improves overall health outcomes. Our users are healthier and more proactive about preventive care, significantly reducing absenteeism.
• Enhanced Retention and Job Satisfaction: When employees feel financially supported, they stay longer. Companies offering flexible, interest-free solutions like FVYY see stronger loyalty, engagement, and productivity. In fact, over 70% of employees state that such benefits positively impact their decision to remain with their current employer.

Investing in Employee Well-being: Your Greatest Competitive Advantage

Financial wellness solutions are no longer optional—they're essential tools for business success. Companies that adopt FVYY aren’t just investing in employee health; they're actively investing in their workforce's productivity and loyalty.

FVYY is redefining financial wellness, helping your team stay healthy, engaged, and focused—so they can thrive, personally and professionally.

Join us in making financial stress a thing of the past, and productivity a hallmark of your workplace culture.

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Colin McDonell

Founder & CEO, FVYY