As a national care provider, Salutem operates in a sector defined by tight margins, rising living costs and ongoing workforce pressure. This meant they needed to...

• Support colleagues struggling with rising essential costs
• Reduce reliance on overdrafts, high cost credit, and informal borrowing
• Deliver measurable engagement, not a low usage wellbeing add on

Most workplace financial wellbeing tools see single digit adoption. Salutem required something that colleagues would actually use, consistently, at scale.

Stream has moved financial wellbeing from policy to practice across Salutem’s workforce.

• 63% of colleagues enrolled
• Habitual engagement, not occasional usage
  77% actively track their hours and earnings, logging in an average of 11.2 times per month
• Structured pay flexibility
  36% used flexible pay last month, primarily for essential spending such as bills and groceries
• Resilience building through savings
  53% now have a savings account, with over £271,551 collectively saved
• Access to fairer credit
  Members accessed affordable loans, saving an average of £593 compared to alternative lending
• Benefits Unlocked
  Support to identify and claim benefits entitlements that colleagues may be missing out on

This is not just engagement. It is behaviour shift:

• Colleagues tracking earnings in real time
• Using structured flexibility instead of expensive alternatives
• Moving from short term strain to active savings
• Accessing support they would otherwise miss

For Salutem, financial wellbeing is no longer a reactive conversation between HR and individuals in crisis. It is embedded infrastructure that supports stability across the workforce.

What colleagues are saying:

"I find it so helpful being able to use part of my salary. Since starting my new job and budgeting for a 28 day pay packet, I found it difficult to adjust financially. Stream has taken a great weight off my mind."

"I'm more aware of how much I'm spending. I'm likely to work for Salutem for longer. I feel like I can focus more on doing a good job at work, and I sleep better at night."

Stream has become an integral part of Salutem's culture of care. By providing accessible financial tools and support, Salutem is helping their workforce achieve greater financial stability, reduced stress, and improved focus at work.

The partnership demonstrates that when employers invest in their people's financial wellbeing, everyone benefits: colleagues feel valued and supported, retention improves, and the quality of care can flourish.